Funeral arrangements are one of life's largest purchases. Unfortunately, a funeral is also one of life's biggest unexpected costs. Like any big purchase—buying a home, paying for a wedding, or purchasing a new car—a funeral will have a significant impact on your income and budget. Fortunately, you can shop smart and save money.

Here are four ways to reduce the cost of a funeral:

1. Limit Visitation Hours

It is not necessary to have a funeral that lasts for more than 2-4 hours. Although it might be nice to have an entire evening to view and remember your loved one, it is not necessary to spend all of that time at the funeral home. Many times going to a family member's house afterwards is just as soothing. 

If you want to save a significant amount of cash, limit the viewing hours to one day and only for a few hours at most. This will reduce your time in the funeral home, which will reduce the overall cost of the event.

2. Only Purchase Important Items

Shopping for a funeral is tricky. It's an emotional time and you may find yourself breaking out the big bucks to may for unnecessary items. You may also wind up paying for expensive versions of items that you do need, which again is unnecessary.

If you are going to go shopping, bring along someone that is close to you. They can ensure that you only purchase the most important items—and if you want to purchase something else, they can help pay for it.

3. Opt For a Basic Casket

There are several types of caskets, each with its own price point. The price of a casket largely depends on the materials it's made from, it's condition, and it's amenities. Other factors, such as the brand or model may also affect the price.

If you are looking to save money, consider getting a bare-bones casket without any fancy trimmings. You can always dress it up with your items, or drape a nice fabric over it to spruce it up.

If you are going to have your loved one cremated, consider renting a casket for the viewing. This will also save you money.

4. Supply Your Own Items

If you are having an open casket ceremony, consider supplying the clothing and other accessories yourself. Although you can get the clothing and other accessories from the funeral home, they will probably cost more.

If you don't have anything that fits the person, visit a thrift store or bargain store to find a nice suit or dress to fit your loved one.

Planning a funeral is an emotional and tricky time. It also takes a huge chunk out of your savings account. If you're on a tight budget, use these four tips to help reduce the out-of-pocket costs of the funeral. You can also speak to a funeral director such as one at Clark Funeral Home Inc about the options they may have available.