Michigan-Detroit

$$$

Hello ladies, Just thought I would bring a little $$ talk regarding all the wedding expences. On one of my Make up trials this weekend girls were talking how expensive things are and etc...then she was surprised that FI and I are paying for the wedding as it comes. We are not putting nothing on credit (so far). So I was thinking if I was the only one, because this is not the only time I've gotten this reaction from someone. She said she is still currently paying for her wedding, which was a year and a half ago!!  Will you be in big debt? small debt? or are you trying to avoid any credit purchases.

Re: $$$

  • edited December 2011
    The goal is 0 debt. We too are avoiding putting anything on credit. We are paying as things come up. Hopefully, there will be no need to put anything on credit, so we are really sticking to our budget so we won't be tempted.
  • edited December 2011
    FI and I have a savings account. We have money stashed there. As payments need to get made, I will withdrawal from that account and transfer into my checking so I can write checks. We are by no means using credit cards. If we can't afford it, then we aren't getting it.
  • edited December 2011

    I know we decided we won't be using any credit for our wedding (aside from putting things on the Amex which has to be paid off every month anyway) because we don't think starting our life together in debt is a good idea.  I understand though, that's not really any option for everybody, and you do what works. 

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  • Julz629Julz629 member
    2500 Comments Combo Breaker
    edited December 2011
    No credit for us -- just paying things slowly.  We figured out how much we currently are willing to spend, plus how much we can save between now and the wedding, and worked backwards from there.  Every month, we pay a chunk of something off.
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  • edited December 2011
    My parents gave us a set amount (about 1/4 of our budget), so that is in a savings account. His mom has said she is willing to give whatever we need...so I was hoping she would be able to give us at least part up front for the account, but he thinks it will be better if we just ask as it comes.  We are trying to just add our own money to the savings account as we can.  The goal is not to have to put anything on credit, but I'm nervous that if his mom is not able to help as much as she said we could end up in a little trouble...

    As for now though, we are just going to keep taking it out of the savings until that gets low.
  • edited December 2011
    No credit card for us. We agreed during our planning phase that it got to the point where we needed to start using our CC then we would have def cut.
  • edited December 2011
    Trying not too use credit cards but stuff happens (lay offs or a lovely fire) and we might have to. I'm over it at this point.
  • edited December 2011
    We just paid for things as they came up.  The only items I put on my credit card were decorations and such...nothing that I couldn't pay off easily. 
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  • edited December 2011
    FI and I decided up front it's not worth it to us to go into debt for the wedding.  So we're only planning the wedding we can afford, with ample cushion in case the budget grows unexpectedly.  Luckily we have some money saved up, so we're going ahead with the big wedding.  But if a big wedding required that we go into debt to pay for it, we would have just done something smaller and cheaper.  However, it's a personal decision and using savings/paying as you go isn't an option for everyone, so I certainly don't judge anyone who wanted the big wedding and had to put it on their credit card to pay for it. 
  • edited December 2011
    No debt is what's going to happen. We set a budget and are trying to come in under it but won't go over. I refuse to take on debt for a party.
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  • edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/local-wedding-boards_michigan-detroit_untitled-1?plckFindPostKey=Cat:Local%20Wedding%20BoardsForum:88Discussion:90878774-d37e-4694-87a6-2993443289dbPost:fcc9f698-d6f7-4030-919c-d88b9ee0e203">Re: $$$</a>:
    [QUOTE]My parents gave us a set amount (about 1/4 of our budget), so that is in a savings account. His mom has said she is willing to give whatever we need...so I was hoping she would be able to give us at least part up front for the account, but he thinks it will be better if we just ask as it comes.  We are trying to just add our own money to the savings account as we can.  The goal is not to have to put anything on credit, but I'm nervous that if his mom is not able to help as much as she said we could end up in a little trouble... As for now though, we are just going to keep taking it out of the savings until that gets low.
    Posted by allikl62[/QUOTE]

    Boy I'd want to know a more set amount then just 'whatever you need'. Because she could be thinking $800 and you could be planning on $8,000. Its not any of my business but maybe FI should ask her if she has a figure in mind (if you haven't already).
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  • sunkissed212sunkissed212 member
    1000 Comments
    edited December 2011
    We are "paying cash" for everything as well, and FI and I are paying for everything ourselves. We may "use" a credit card (to get frequent flyer miles or hotel points to help with the honeymoon) but it's a separate card just for the wedding and it will be paid off every month. I refuse to go into debt for my wedding. I want to enjoy my marriage...not spend it paying off the party on day 1.
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  • edited December 2011

    Cash for everything.  Luckily for me FI is a saver.  I think if we couldn't afford it, I def go with by ourselves on a beach in a resort in Mexico to keep it as cheap as possible.  (Sometimes as we are planning I still think about doing that.)

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  • edited December 2011

    Cash for everything.  Luckily for me FI is a saver.  I think if we couldn't afford it, I def go with by ourselves on a beach in a resort in Mexico to keep it as cheap as possible.  (Sometimes as we are planning I still think about doing that.)



    BTW - has anyone else ever gotten this error message?? 

    We restrict rapid posting of multiple forum posts for quality reasons. You have already posted a forum post within the last several seconds. Please try again later.

    Wedding Countdown Ticker Love one another and you will be happy. It's as simple and as difficult as that. --Michael Leunig-- Planning Bio
  • edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/local-wedding-boards_michigan-detroit_untitled-1?plckFindPostKey=Cat:Local%20Wedding%20BoardsForum:88Discussion:90878774-d37e-4694-87a6-2993443289dbPost:ea32709d-ac47-43bf-835c-789ac3c30a96">Re: $$$</a>:
    [QUOTE]Cash for everything.  Luckily for me FI is a saver.  I think if we couldn't afford it, I def go with by ourselves on a beach in a resort in Mexico to keep it as cheap as possible.  (Sometimes as we are planning I still think about doing that.) BTW - has anyone else ever gotten this error message??  We restrict rapid posting of multiple forum posts for quality reasons. You have already posted a forum post within the last several seconds. Please try again later.
    Posted by kellyandtim1[/QUOTE]

    Probably because theknot is stupid and posted your reply twice.
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  • Melgor78Melgor78 member
    Fourth Anniversary 500 Comments
    edited December 2011

    We plan on paying cash for everything.  I might charge some DIY items but that won’t be much.  Fi hates to charge anything and I’m the opposite I charge everything but usually pay it off every month.

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  • terbear_86terbear_86 member
    100 Comments
    edited December 2011
    We will most likely end up charging some small items, but that would only be to get the points as a PP said. We are both working on paying down debt at the same time that we each incurred before meeting each other, and decided to hold off the wedding for awhile (late 2011, early 2012) so that we can have all of the people near and dear to us come.
  • leeshab1982leeshab1982 member
    500 Comments
    edited December 2011
    We definitely are trying to do it without credit cards.  We're on budget so far and hopefully we can keep it up.  I'll be really proud of us if we can pull it off without using the CC's.  It sucks to save and pay for everything ourselves, but I know it'll be a good feeling after the wedding.
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  • edited December 2011


    We are paying for things as they come based on the expenses in the budget and the amount I told my father we would be able to have by our wedding date, which will take care of the we are taking care of the photographer, videographer, dj/band.  He's paying for the Reception venue. My Mom the invitations and decor rental items, my FI's mom will take care of the florals and his dad will add money if we come up short (which we will).

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  • Kimbus 87Kimbus 87 member
    100 Comments
    edited December 2011
    We are paying for everything our selves and we dont want cc debt to start off the marriage with. We have the basics covered and the "extra" things that might pop up if we can't afford we won't get.
  • edited December 2011
    In Response to <a href="http://forums.weddings.com/Sites/Weddings/Pages/Main.aspx/local-wedding-boards_michigan-detroit_untitled-1?plckFindPostKey=Cat:Local Wedding BoardsForum:88Discussion:90878774-d37e-4694-87a6-2993443289dbPost:fcc9f698-d6f7-4030-919c-d88b9ee0e203">Re: $$$</a>:
    [QUOTE]His mom has said she is willing to give whatever we need...so I was hoping she would be able to give us at least part up front for the account...but I'm nervous that if his mom is not able to help as much as she said we could end up in a little trouble... Posted by allikl62[/QUOTE]

    FI needs to ask his mom what her limit is. You can certainly ask for bits here and there, but like PP said, if you spend $8,000 and she only had $800 in mind, that's going to cause a bigger issue than asking up front!!

    I'm kind of in the same boat. FI and I can absolutely pay for everything, but my uncle offered himself & my Grandma to pay for everything the brides family pays for. I know for a fact Grandma is uncomfortable with that- and understandably so seeing as she got roped into it- and uncle refuses to give us the amount he's willing to spend. So we are taking Grandma to dinner to tell her to just give us what she's comfortable with- even if it's $20, and we are budgeting as if we were paying for the whole thing ourselves. Which may end up happening, because I don't want to be beholden to his wife for the rest of my life since she hates that he's paying up. No matter that she had an $100,000 wedding reception after marrying him. And he's her third husband. Bygones. Not to mention, he offered to foot the bill for me to go to college back in the day then reneged, so I'm not counting on him.

    I don't think it's worth it to go into debt for this one day- which is basically the bride and groom throwing a HUGE party for their nearest and dearest. It's about the marriage, and not enough people take the after the vows part seriously enough and just focus on the party. IMHO, of course.
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