You usually don't think about funeral expenses until you have to, like when you are diagnosed with a terminal illness. At this time in your life, you are ready to make end-of-life preparations and if possible, prepay for your funeral costs to take that burden off your loved ones. Making funeral arrangements and buying headstones are costly ventures. The average funeral can costs over $7,000 dollars, not including the monument. If you need money for your funeral expenses, you do have options.