Thank you, everyone! It really means a lot to read this thread again...*hugs*, and doubly so to those who've lost their moms also...
My sister and brother are handling all the details of the funeral, services, burial and headstone, since they lived in the same town (about 350 miles from me). None of us are rich, but thanks to a couple of dear friends these things aren't going to be a financial burden.
I never knew it was so expensive to die! Even cremation, which is the least expensive route, is pretty pricey! (We're looking at about $4k) I also learned there's really no good time to talk about money for this...people tend to be in denial of mortality and have a "don't worry, be happy" mindset.
For me, another life lesson learned.