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How to Pay for Your Big Day

by Guest Blogger: Amira Harris, WPICC of Posh Productions serving Calgary and the Okanagan Valley

Shutterstock_2406920

After the thrill of the proposal is over, and all the congratulations are accepted, every couple is faced with a very poignant question: how are they going to pay for their wedding. This is their first “big” test. And here are some options on how to pass it.

1.   Charge it. There are credit card companies still offering low to 0% financing for the first six to twelve months of opening a new account. Also remember that on the big day you will be receiving a large influx of money (namely cash gifts) from family and friends. If you work things out well (as in charging your expenses no more then six months prior to your big day) you can start your new life together relatively debt-free.

Just understand that your wedding day gifts will most likely NOT cover your expenses. Also, if you have bad credit, or are already saddled with large debt, it may be tough for you to open a line of credit.

2.   Loan / Second mortgage. This is another version of financing your wedding through credit. It depends on ownership of a large capital asset (a house / apartment for the second mortgage; something of considerable collateral value for a loan). Given how low interest rates currently are, this would make more sense then financing your wedding through a credit card (even if you get 0% financing, because that figure is only viable for a short period of time).

3.   Empty your savings. You can only afford to finance your entire wedding this way if you have the savings to cover the wedding. While it may be hard to imagine emptying out a lifetime's worth of savings for essentially a one day event, remember that there is a payback at the end of the (wedding) day.

4.    Save up for it. Once you have your wedding budget, calculate how much you could reasonably save up on a month-to-month basis. Then push the big day back far enough so that you can give yourself enough time to pay for it.

5.    Borrow. Borrowing money from friends or family is always tricky. While you can easily raise the cash interest-free, it can put a strain on your relationship with your generous benefactor, especially if it takes you awhile to pay them back.

6.  
 
Assistance from parents. There was a time when the parents of the bride would pay for the entire wedding. While that is not always the case anymore, parents do understand how expensive weddings can become. They may be willing to pay for one or more of the wedding expenses (for instance, the transportation or the flowers) or may pay for part of the larger expenses (such as venue).

In financing your wedding, chances are you will utilize some combination of the options above. At differing points along the wedding planning process you may charge expenses or utilize a portion of your savings to pay for certain expenses. The important point to remember is not to get into unnecessary debt to finance your wedding. The day will be special no matter what you spend on it. So set a realistic budget, a budget that you can afford. Do not start your new life together with swamped in debt. Remember that above all else your wedding day is supposed be a happy one. If you are stressing out about affording it, scale back the wedding.

Wedding Humour

Shutterstock wedding humour

I thought I would keep things light this week with a few popular wedding jokes:

A Flower Girl and Ring Bearer made their entrance at the bottom of the aisle…

The Ring Bearer stopped at every pew, growling at the guests. When the minister asked afterward why he behaved so wildly, he explained, "I was just trying to be a good ring bear."

————————-

A couple was getting married, and it was only
three days before the wedding. The bride calls her mother with some bad news. "Mom," she says, "I just found out that Dad's new wife has bought the exact same dress as you to wear to the wedding." 

The bride's mother thinks for a minute. "Don't worry," she tells her daughter. "I'll just go and buy another dress to wear to the ceremony." 

"But mother," says the bride, "that dress cost a fortune. What will you do with it? It's such a waste not to use it." 

"Who said I won't use it?" her mother asked.
"I'll just wear it to the rehearsal dinner."

———————–

A girl introduces her boy friend to her father, “Dad I told you about him.” 

Father asked the boy, “So,you wanna become my son-in-law?” 

The boy replied, “Not really sir, but this is the only way to marry your daughter!”

Bride and Groom Wedding Day Survival Kits

by Danielle Andrews Sunkel

Of course the ultimate Wedding Day Survival tool is your Professional Wedding Coordinator, but if you want to be almost as prepared as the Pro you hired, there are the Bride & Groom Emergency Kits by Mojuba.

For the Bride (or Bridesmaids) $165USD:
Bride1BIGBrideInside2BIG
BrideInside1.3BIG
Kit contains: Band-aids,
stain removal kit, hand cream, fashion tape, nail files, nail polish, nail
polish remover, rice blotting paper, hairspray, Bobby pins, tissues, eye drops,
Makeup remover, breath fresheners, toothpaste and a toothbrush, mouthwash,
disposable camera, pen and notepad, clear straws, lip gloss, Advil
®, sewing kit with
pre-threaded needles, hand sanitizer, feet cushions, Pepcid Complete
®, deodorant, Static Guard®, Scissors, Krazy Glue®, Lint sheets, sanitary
products
 



For the Groom (or Groomsmen)$165USD:
Groom1BIGGroom2BIG
GroomInside1BIG
Kit includes:  Shout® wipes, Shave kit with shave
cream and styptic pencil for nicks, hair comb, deodorant, Listerine PocketMist
®, file
folders for wedding documents, contracts and bills,
Advil
®,
disposable camera, pens and notepad, Poker-size playing cards, toothpaste and
toothbrush, mouthwash, shoe horn, shoe shine wipes, hand sanitizer wipes, lip
balm, lint brush, sewing kit with pre-threaded needles, Band-Aids
®, tissues, Pepcid
Complete

Both kits are available from Mojuba.

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