Wedding Etiquette Forum

Opinions please. (SUPER SUPER LONG, SORRY!!!)

I’m going to start by apologizing because I know this is going to be a lot longer then I intended. I had an Issue with Fiancés’ Oldest Sister Saturday Night and it is now Tuesday and I am still steaming mad.  I need opinions as to If I am in the right, and how to handle going forward.

Just a little back story. We got engaged April of 2011. Set the date for 9/22/12. We ARE paying for everything ourselves. Almost immediately we started looking for venues etc. We were already in love with a local hotel for our reception, but we wanted to check out our other options just in case. Decided to go with original hotel we both wanted for both Ceremony and Reception. They require us to spend $9,000.  This is a total of food, drinks, alcohol, any decorations they provide, service fee, etc. basically everything we spend with them except for our guests sleeping rooms and tax. Ok fine that is do-able. I work 2 jobs (by choice) and Fiancé works too, we signed the contract in August of 2011. Well we had a payment of $4,500 due the end of March and we were short on it due to me being laid off from work last November and then 2 unexpected car repairs. We decided that we would take out a loan for the wedding. I know a lot of people are against this, but we knew once we got back on our feet financially we would have the loan paid off in 6 months. I went to the bank and was told I would be approved with a co-signer, but would need a co-signer due to my lack of credit history. Cool understandable. Well I spoke with my family who was unable to cosign so we asked Fiancés’ Mom. She was willing but unsure if she would be approved because she is not employed, she receives disability. So I called the bank to ask them if that would be ok and they said yes and they started to prepare the loan paperwork with me on the phone. Then they tell me they cannot approve me, cosigner or not, because I don’t much credit history. Well sh*t. So fiancé’s mom starts in on, just cancel everything at the hotel and get married somewhere cheaper, etc. so we tried and tried to explain to her we signed a contract, we would have to pay 75% if we didn’t have the wedding there so that would be stupid. Not to mention we are the bride and groom and this is where we want the wedding and we are paying for it. So we finally got her to sort of understand that canceling would be pointless but she just kept saying “it doesn’t seem right they get their money either way” ok well it seems fair to me!! So she tells us she has said nothing to anyone else in the family (he has 5 siblings, all older than him) but she thinks that she and the oldest sister, we will call her “R” could plan us a nice wedding at a small hall. No lady don’t you go saying you can plan things, with our money!!!!!

 

So fast forward to last week, and his mom texts me and says she would like to see our hotel contract and would we please bring it to the bar that we were all gathering at this weekend for his niece’s 21st birthday. So I told Fiancé absolutely no I will not bring this contract to a birthday party, at a bar, where all the family will be together. That is rude and not the right time or place! I see no reason she needs to see it at all but if she really wants to I can scan it and email it or I will bring it to her house myself.

 

So fast forward to this past Saturday night, we are all at the bar and his mom asks if he brought the contract and he said no and I jumped in and said, it was my fault I forgot it. So about 2 hours into the party fiancé and I were ready to leave and so we start saying our goodbyes when his sister “R” comes up and says that she will only be staying another hour and then she would like to have people over to her place afterwards to just hang out, etc. sort of makes sense because her daughter is the birthday girl. So we agree to hang for a while and then go back to her place. Then she says “plus I need to talk to you guys anyway” so she walks away and I’m like ummm ok?! So Two hours later we are still at the bar and we start talking to the other family members and it seems as if we are the only ones she invited to come over. Weird. So we deiced we are just going to go home, it was late etc. So I’m talking to the birthday girl and fiancé goes to say good bye to sister “R” all the sudden I look over and it looks like she is literally in his face yelling at him. So I walk over and the first thing I hear her say is “who do you think you are, what are you trying to prove, you don’t have any money” So I asked what was going on and she said “I need your contract from the hotel” and I asked why and she informed me that we cannot read it correctly and that there HAS to be a clause in it. What if we break up? And I told her just as the contract reads if you cancel by X time you pay certain percentage of the cost, etc. and she interrupted me and said I’m not asking you about that. There has to be a clause. Then she begins to tell me that the hotel is embezzling money from us, they are stealing from us etc…She then she says things like we are trying to be people we are not, why would we pick this location when the junky local hall would only charge us $250 and how rude it is of us to let out of town family members pay for travel to come to a wedding that isn’t going to happen because we can’t afford it. Then she says “and have you even asked your family?” and I couldn’t take it anymore. So I replied with the truth. “Yes, my aunt was recently in contact with my father who is giving her belongings of his and my mother’s that have been in a safety deposit box for years, so that I can sell them to help pay for the wedding. I’m not sure how this is any of your business but to answer your question, yes” at this point I stormed out crying and was ready to punch someone. I walked out to the car and took a few deep breaths. Fiancée came out after me and after a minute or 2 of calming down I told him I was fine to go back in and finish saying good bye to everyone else. So we go back in and were talking to other family etc. and everything is fine. So fiancé goes to say good bye to his brother who is talking to sister “R” and I stayed a few steps back. Well “R” pulls fiancée out the side door of the bar that they were standing by and again starts in, well I follow them out. This is our wedding you are not going to attack only him. So she repeats herself over and over again and then she asks me, “Do you think that by pulling this stunt you will be any more married then I am?” and I just said, my wedding is no contest with anyone. Then she said I was ridiculous and pathetic for selling things that belonged to my mother to pay for a wedding. And I said nothing. Then she just kept repeating, if you let me help you I can give you a nice wedding for $4,000. So what you’re saying is if I let you, you will spend $4,000 of our money, on a wedding we don’t want? How nice of you! So she went on and on about how we need to give up on the hotel, they cannot do what they are doing to us, we are being ridiculous and rude to our families for leading them to believe there will be a wedding when there won’t, we need to grow up and realize money doesn’t grow on trees. Then she asked Fiancé how much money we even have. Well I jumped in because I handle all the money. Fiancé cashes his pay check, gives me what is needed for bills, because I right the checks, then gives me what he can for the wedding, and then keeps money for himself. So I told her what our bank account balances are, that is none of her business. So the end of the conversation went, she is on vacation from work for all this week and weekend so at some point, we ARE going to go to her house, with our contract and we are going to work all this out with her. So I’m trying to get my head on straight and my thoughts in order before we hear from her about getting together.

 

My points are:

WE are paying for the wedding; please don’t tell me how to spend my money.

The contract for the hotel doesn’t matter, whether you see it or not, this is where we want our wedding and we have no desire to cancel, clause or no clause.

If you wanted to care or help or be included in wedding planning, that’s fine, but we’ve been engaged for 15 months, and now that we are 80 days away from the wedding you decide to care?

You are family, if we wanted or needed your help we would have asked.

You are HIS family, I understand you will be my family too, but you are out of line to tell me what I should and shouldn’t do with my mother’s belongings (obv my mother has passed away). My father who was my mother’s husband, gave these items to my mother’s sister, for me to sell to pay for the wedding, so how is it that my father, my aunt and myself are all ok with my mother’s items being sold, but you are not?

Again I’m feeling so guilty for posting something so long but I just need advice and want to be prepared!!!

 

Thank you all so much for taking the time to read all this and I appreciate any advice you may have!

 

THANK YOU!!!!!!!!!!!   J

«1

Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)

  • harpsdesireharpsdesire member
    500 Comments
    edited July 2012
    My advice is to just disregard who's right and wrong, call your venue and ask if they will set up a payment plan for you so you can spread the payments out over more time.

    Then if there's anything optional you haven't bought/reserved yet, like maybe favors or professional makeup, cut that out to save a little money to put towards the things you really need like venue and food.

    Most vendors can set up payment plans in fact if you need it.

    Just give your future sister some space and time and try to focus on making things happen and not on her.  I believe that your mother would have wanted to help with your wedding and it's no business of anyone else that you sell a few things she left to you.
  • Reading this is totally not going to happen.

    image
    Everything the light touches is my kingdom.
  • I don't think you can say that they don't have any business in the finance part of it because you asked them to co-sign a loan for it.  You directly involved them in that. 

    Also- you're upset that she said something to you about it and then you mention how you keep getting involved because your FI shouldn't take all of the heat?  If you jump in, you're opening yourself up to comments.
    imageVacation
  • Mrs.B6302007Mrs.B6302007 member
    Seventh Anniversary 5000 Comments 25 Love Its Combo Breaker
    edited July 2012
    I ditto Duds.  It's now their business because by co-signing they are committing to cover the expenses if you can't.  Even if they haven't or won't co-sign (and co-signing is something I would never do but that's not the point really), you asked about it so yeah, it's now fair game for discussion.
    The Bee Hive Est. June 30, 2007
    "So I sing a song of love, Julia"
    06.10.10

    BFAR:We Defined Our Own Success!
    image

  • Duds - I totally agree with you on that. 
  • Wow I must be really bored beacuse I read this whole thing.

    CN: She and her fi asked his mom to cosign a loan to pay for venue. Fmil and fsil are now all up in her business about money and that they think the venue is screwing OP over. OP wants to "Work it out" with fsil by showing her contract.

    To OP- You don't need to get their permission to do anything. Don't show anyone the contract that is not paying for it. Totally nobody's business at all. Let fi handle his sis and mom and let it all blow over.
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  • we asked fiance's MOM to co-sign. not his sister. and weve had no problem telling his mom anything regarding our fiances, she deserved to know that if she was going to cosign.
  • Maybe I misread, did she cosign? I thought she didn't.
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  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:f48de303-f4fb-4f10-abeb-f9f9af48530e">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]My advice is to just disregard who's right and wrong, call your venue and ask if they will set up a payment plan for you so you can spread the payments out over more time. Then if there's anything optional you haven't bought/reserved yet, like maybe favors or professional makeup, cut that out to save a little money to put towards the things you really need like venue and food. Most vendors can set up payment plans in fact if you need it. Just give your future sister some space and time and try to focus on making things happen and not on her.  I believe that your mother would have wanted to help with your wedding and it's no business of anyone else that you sell a few things she left to you.
    Posted by harpsdesire[/QUOTE]

    the thing is, we don't even need the venue to take payments, we have already paid like 75% of the costs!!!
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:8df00806-3a99-433f-aae4-845d485d5f80">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]Reading this is totally not going to happen.
    Posted by J&K10910[/QUOTE]

    You made my eyeballs hurt
    !
    How about using paragraphs?
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:9f3c4a85-d9e6-4119-8f67-92ccf611fa21">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]Maybe I misread, did she cosign? I thought she didn't.
    Posted by coopsbaby[/QUOTE]

    no she didn't because the bank wouldn't allow it, but she was willing too!
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:cddc71b8-b52e-44ae-bd26-69331f356ce8">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : the thing is, we don't even need the venue to take payments, we have already paid like 75% of the costs!!!
    Posted by shanliann[/QUOTE]


    Are you short on the remaining 25%?
    The Bee Hive Est. June 30, 2007
    "So I sing a song of love, Julia"
    06.10.10

    BFAR:We Defined Our Own Success!
    image

  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:30108682-ea12-4e7c-8172-bf05e67bc740">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Opinions please. (SUPER SUPER LONG, SORRY!!!) : IMO, the minute you asked family to co-sign a loan for you, you opened yourself up to judgement on your finances and overall wedding budget. Don't want comments?  Keep your financial problems to yourself.
    Posted by ILoveMilkDuds[/QUOTE]

    <div>Ditto this. Also, I could not sell a loved ones belongings to pay for a wedding. But that's just me. It does appear... cold.</div>
    image
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:519171f4-fd3f-42d7-9338-1d3694c5c9ad">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : no she didn't because the bank wouldn't allow it, but she was willing too!
    Posted by shanliann[/QUOTE]<div>
    </div><div>Okay, then my answer stands. If they aren't cosigning, stop talking to them about it. End of problem!

    </div>
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  • ootmother2ootmother2 member
    Tenth Anniversary 5000 Comments 25 Love Its First Answer
    edited July 2012
    The bank refused because disability is not seizable should there be a default.

    I'm amazed that you didn't know that

    ETA: not sizable, sorry
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:1f2c12e5-b73c-4033-b1b7-64a8eaa7904b">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : Are you short on the remaining 25%?
    Posted by Mrs.B6302007[/QUOTE]

    its not even due yet and no i dont think we will be!
  • Well, then I'm confused.  If you've already paid 75% of the costs and aren't going to be short on the remaining 25% then why did you ask for her to cosign?  I must have missed it somewhere.
    The Bee Hive Est. June 30, 2007
    "So I sing a song of love, Julia"
    06.10.10

    BFAR:We Defined Our Own Success!
    image

  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:18534bf8-3c6b-44a5-89d4-e14f75b7561f">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]The bank refused because disability is not sizable should there be a default. I'm amazed that you didn't know that
    Posted by ootmother2[/QUOTE]

    nope the bank refused me, because i dont have anough credit history, i was given in correct information by the bank the first time i contacted them. they never got his moms info or anything.
  • MmorayMmoray member
    10 Comments
    Wait--I thought she wasn't approved even with the co-signer? 

    At this point, the only people's finances involved are the OP and her FI.

    Or have I misunderstood something in the jumble?
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:5b8bca0a-a64e-4c48-aa7d-ed20e5e1880e">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : Ditto this. Also, I could not sell a loved ones belongings to pay for a wedding. But that's just me. It does appear... cold.
    Posted by runpipparun[/QUOTE]

    i get that, but what she didn't ask, well what no one has asked, is what of my mothers i am selling. ALOT of what was in the box was coin sets, collectors coins, etc. Nothing that I ever even knew she owned. I have kept plenty of personal things, things that are important and have memories for me.
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:53b3dc96-f4fb-4123-87a7-dd718bf12a94">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]Wait--I thought she wasn't approved even with the co-signer?  At this point, the only people's finances involved are the OP and her FI. Or have I misunderstood something in the jumble?
    Posted by Mmoray[/QUOTE]

    you've got it right :)
  • So wait...you have paid 75% of the cost, you have the other 25% covered...so what's the problem?  Why can't you say "Mom, Sis, thanks for being willing to help out when we were in a tight spot but as it turns out we are financially able to cover the wedding we'd planned from the beginning.  Here, have some bean dip!" and then refuse to discuss it further?
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:cfe8ce36-b5b7-4516-9336-e981a91dd608">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : its not even due yet and no i dont think we will be!
    Posted by shanliann[/QUOTE]

    <div>I am confused, but I have to admit I couldn't make it through the wall of text (though not for lack of effort).  I read that you needed the money because the final payment was due and you had lost one of your jobs and had two unexpected car expenses.  So you asked someone to co-sign on a loan with you.  No one did co-sign because the bank wouldn't allow it, but you also... don't need the money because you can pay it all yourself???  I probably missed some details, so forgive me, but the bottom line for me is that if no one provided you money for the wedding and no one helped you out with a loan for your wedding by co-signing, then I don't see why anyone else should be asking for your contracts and such.  It's your money and you can spend it how you want to, even if that means spending it in a way that is not wise.  However, if you take contributions from anyone else, even by co-signing on a loan, it then DOES become their business.</div>
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  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:18534bf8-3c6b-44a5-89d4-e14f75b7561f">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]The bank refused because disability is not sizable should there be a default. I'm amazed that you didn't know that
    Posted by ootmother2[/QUOTE]

    <div>This may not be necessarily true.  When someone is on disability or social security it is based on their DTI just like anyone else with an income.  Someone isn't automatically turned down because they're on disability. </div>
    imageVacation
  • When we discussed his mom co-signing, we answered all her finacial questions, even provided her with more information then she wanted about our finances because well she deserved it and i saw nothing wrong with that.
  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:b84611b4-885d-4661-ab7e-45ba2e6597db">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]When we discussed his mom co-signing, we answered all her finacial questions, even provided her with more information then she wanted about our finances because well she deserved it and i saw nothing wrong with that.
    Posted by shanliann[/QUOTE]

    <div>
    </div><div>And that's fine, but now stop.</div>
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  • Ok.  So, don't take the contract over to your FSIL's house.   You and your FI both tell her "thank you for the offer, but we have figured out a way to handle and plan our wedding ourselves.  We really don't want to have further discussion about it"

    And, then. DO THAT.  figure out a way to pay for it.  Both you & your FI get second jobs at walmart or starbucks or whatever for the next 80 days.  Cut out anything you haven't already paid for... cut back on liquor if you were planning to serve it.  Talk to the venue about a payment plan or possibly changing your meal choices to something cheaper.

    You opened yourself up to judgement as soon as you asked FMIL for help.  She spread the news to FSIL, now you need to remove both of them from the discussion.   You do NOT need to show her the contract unless you are asking her for help in getting out of it.  If you want your wedding at the hotel.  Work your butt off to figure out how to make that happen by yourselves and tell her that you won't be talking to her anymore about it.
  • I corrected the spellling.  I meant seizable and without collateral, the mother would be turned down because of the disability being the only income she has.

    You're mistaken on this, sorry

  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_opinions-please-super-super-long-sorry?plckFindPostKey=Cat:Wedding BoardsForum:9Discussion:890d15ca-955c-419a-9e5e-47e120637910Post:b7256873-8a7e-4e58-a4ed-58e56f570142">Re: Opinions please. (SUPER SUPER LONG, SORRY!!!)</a>:
    [QUOTE]In Response to Re: Opinions please. (SUPER SUPER LONG, SORRY!!!) : I am confused, but I have to admit I couldn't make it through the wall of text (though not for lack of effort).  I read that you needed the money because the final payment was due and you had lost one of your jobs and had two unexpected car expenses.  So you asked someone to co-sign on a loan with you.  No one did co-sign because the bank wouldn't allow it, but you also... don't need the money because you can pay it all yourself???  I probably missed some details, so forgive me, but the bottom line for me is that if no one provided you money for the wedding and no one helped you out with a loan for your wedding by co-signing, then I don't see why anyone else should be asking for your contracts and such.  It's your money and you can spend it how you want to, even if that means spending it in a way that is not wise.  However, if you take contributions from anyone else, even by co-signing on a loan, it then DOES become their business.
    Posted by angelsong21[/QUOTE]

    you've basically got it! No one has given us money, or helped us in getting money, but us!!!!
  • i never started discussing finances with his sister. She came guns a blazin at us. At a bar. At her Daughter's Birthday.
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