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Honestly, your mother won’t be at the funeral, or memorial service, or anything. These events are for the living, the deceased won’t know or be there. Honor your mother by doing something small, we had a small, outdoor funeral for my dad. It wasn’t what he’d planned but covid was raging and anything more wouldn’t have been appropriate. No need to explain any lack of services, just a simple announcement of passing with whatever is best said about her life
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Funerals are not for the one that died but the ones left behind.
You can respect her wishes and not have a funeral and have just a private burial. But if there are family members that would like to gather a light lunch or dinner at another time would be nice. This could be days, weeks, months later. This would also give people that live farther away a chance to get to your location with less expensive travel arrangements.
As far as an announcement in the paper you can make it brief and say that burial is or was private. (announcements in the paper have gotten pretty expensive anyway) If she is a member at a place of worship they can print an announcement in the weekly bulletin if they do that. and again mention that at her request the burial was private.
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During COVID most obits had that "a celebration of life will be held at a later date". I had the graveside service was private. I chose the people who attended and who were invited after the service. Me, I have told my daughter to cremate me, then go to dinner on my dime.

My MIL was cremated in Fla and brought up here. She was buried with her DH. I had our minister do her service at graveside. Afterwards a friend had us and family members over for a luncheon. We had her burial between their wedding anniversary and her 92 birthday.
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My husband was recently asked to say a few words at the funeral of our friend's very elderly father who passed at 94. This man was my husband's church youth group leader so he was happy and honored to be able to tell others about Howie's lasting impact on his life. Howie's wife has already passed and most of his contemporaries too. But when you have a gathering of the community I think it helps the remaining family to see the impact and influence our elders have had on others. Often the youth only remember a very senior person who does not represent the person they were, and the life they lived is not always apparent. I think having a gathering where people can write down or speak about how they were blessed by the deceased is a wonderful and memorable experience for all attenders. And it doesn't have to be lots of people. A small pebble can still make wide ripples.
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My parents pre-planed and paid for end of life - they are to go from funeral home to burial with no stops or services in between. Dad died a couple of years ago and I was willing to forgo any services as dad requested, however my brother wanted some kind of service so a "Celebration of Life" was planned. This occurred a couple of months after dad's death. Mom set up several pictures regarding dad's life and food was provided. Several family and friends came - but most of the family and friends of my parents age were either dead or unable to travel even a short distance due to their advanced age. Positive stories by family and friends were shared regarding their relationship with dad. It was very nice.

Now unless my brother again insists on some form of service, I will not plan any kind of service for mom - as far as mom is concerned - funerals, memorial services and the like are a waste of time as far as she is concerned.

On the other hand, dad's SIL died a few months after he did and my cousins had a funeral service - small town and my aunt was active in the church and the community (town of about 500).

I don't think there is any right or wrong answer. I do believe funerals are happening less and if any service the memorials or celebrations of life.
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Funerals are for the living, not the deceased so I would have no problem having a service even if the deceased stated they didn't want one in their later days. I had a simple graveside service for my parents followed by a meal in a hotel ballroom for those who attended, some from a couple of hours out of town (the hotel's restaurant ran a buffet we used for the meal). My parents had lived so long most of their contemporaries had already died and those that lived could only travel during the daytime and usually needed some help. Most of the attendees were children who had attended functions my parents hosted 40-50 years ago (family reunions and church group picnics, etc). Having a graveside service on a Saturday at 11:00 am allowed everyone to get into town, attend the service and the meal, and travel back home.
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Tell your “other family members” to plan (and pay for) ANYTHING THEY WANT, while you honor your mother’s requests.

You don’t do a funeral to please hanger on relatives or please yourself.

Your mother’s life, your mother’s death YOUR MOTHER’S CHOICE.
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A lot of people these days don't do a "formal" funeral service.(I personally think it's a waste of money) With a lot of folks being cremated, it's easier to simplify the process for sure.
When my husband died last year, and was cremated, I just put in his obituary that he would be cremated and his ashes scattered at his favorite beach, and that his family would be having a private celebration of his life. His "private celebration of his life" was just myself, my children and grandchildren all going out to eat at a nice restaurant the day we scattered his ashes.
So don't worry about what "other family members" think, as what is most important is the fact that you honor your mothers final wishes. And if you don't want to use the words celebration of life, you can just say that we're going to have a small family gathering to honor her.
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