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Wow, MrsBell2B... I'm so sorry you're having to deal with all of this on top of your mother's passing! I can't say I've ever been there, but I definitely feel for you!
Sounds like the prenup isn't a bad idea, not because your FI sounds untrustworthy, but because his family does... No need to have them all relying on you someday in the event things go sour. :(
Would you say FI is aware of how his mother has been acting? He was obviously there for the flower girl fiasco, so that might be a good place to jump into the discussion - "I know I can trust you, but sometimes your mother's attitude towards our/my fianances makes me uncomfortable. etc etc etc, and I've been thinking a lot lately about the practicality of a prenuptial agreement." It sounds like something YOUR mom would have been in favor of - she made careful sure that you would be provided for, and would hate to see that disappear. Hopefully FI will take it well.
Hope it gets better soon. :)
First of all, I'm so sorry to hear about your mom. I can't even imagine how difficult that must've been for you.
Second, the more I read your post, I found myself becoming angry toward you FH's family. I can't believe they are assuming that you are and will pay for everything. Unbelieveable. Let me ask you this, does his family go out to eat at all, etc? I mean, your FBIL could save $80 and buy his daughter's dress since you ARE paying for practically everything else.
Do you think it's because they know you have this trust fund that they are acting like you will pay for everything? Your FMIL sounds like a real gem and perhaps you might consider sitting her down and having a conversation with her. I'd run this by your FH first. Maybe he can sit with you and her as well.
Another question, how old are his sisters? Old enough to have jobs and pay for their own dresses? Just curious.
I would seriously think about the pre-nup. If his family still had money, would his mom require her son to have a pre-nup drawn up for you? Something to think about.
It just sounds like you have so much on your plate. I hope you have an outlet for your stress and can find some time for you.
Hang in there and keep us posted.
I'm so so sorry about your mom, I lost my dad to cancer and I know how horrible it is. I second getting a prenup for the same reasons that the pp's had. Your FMIL sounds sort of money-hungry, so if I were you I would not discuss your financial situation with her any further. Try to keep her out of it as much as possible, as it's really none of her business.
You should also research the specific laws in your state. In my state, money that comes into the marriage and is held separately during the entire marriage is not community property. So you should always keep your trust accounts separate from your joint accounts, and not add your husband as a trustee or person who can access that money.
I will keep you in my prayers. I can't even imagine what you must be going through. I'm sorry your mother in law seems like a nightmare. I wouldn't worry about being a bridezilla in this situation. It seems like you've got a great fiancee who sticks up for you. If they are going to be so rude as to imply that you should pay for everything..which is ridiculous with or without you having a trustfund...then maybe you should be so bold as to set a clear boundry early on..so this doesn't continue for the rest of your lives together. Just let them know one good time what you will and will not stand for...what your limit is in terms of what you will pay for with YOUR money and then even if they are mad, they will get over it, and they will think twice before disrespecting you anymore. Again, I'm sorry.
Wow that is tough - I am so sorry you have to go through this!
You do know that you are not required to pay for all that stuff right - you can draw the line (an will have to draw the line) somewhere!
I am sorry about your mom and I want to commend you for your maturity and level headedness in dealing with all this stuff!
I second everyone regarding your prenuptial agreement and I do think you need to draw the line on what you are going to pay for and talk to your FMIL and stick to your guns!!!!
Thanks guys for all your kind & supportive words! I spoke to my financial advisor today and he agrees that I should get a pre-nup, but that since he's not a family lawyer - that I'll need to check with one to be sure about Georgia law.
Now comes the hard part - actually talking about getting one to the fiancee..*deep breath* I just know that no matter how I approach the subject, I'm keeping it between me and him, because if she found out she'd fly off the handle.
To answer you guys' questions, his family does go out to eat occasionally but only when they've managed to save money in other areas. His sisters are 21 and 36, one of which works full-time.
@stephinPA: That's what I was thinking. Instead of looking at it like "She's paying for so much, we could pay for something small," they're looking at it more like, "Well, she's able to pay for everything else-why can't she pay for one more thing?" It's so ridiculous.
Tomorrow I'm going with the fiancee, his brother (his BM), and his friend/co-worker (a groomsmen) to look at tuxes. He has one other groomsmen + a ring bearer who won't be able to make it tomorrow but will be going soon. The FMIL also brought up the ring bearer's outfit, asking if I was going to cover the tux rentals & the ring bearer's rental. *rolls eyes*
Not to mention, me, my fiancee, his brother, and his sister have tongue piercings. I've considered the idea of clear tongue rings or to take them out before the wedding so they don't show up in pictures. She also wanted to know if I was going to pay for a new, clear tongue ring for everyone if I went that route? *sigh*
So far I've figured out that I'm paying for:
My dress + veil & blusher - $1,322.98 + alterations + shoes?
My undergarments: ?
Bridesmaids dresses - $397.50 + alterations + shoes?
Deposit for ceremony/reception site: $1,200
Wedding package deal (so far w/ flowers, DJ, reception food for 40 people, wedding cake, groom's cake, photo package, decorations & honeymoon suite for one night):
$4,335.95 + tax (subject to change depending on additions)
Lodging for 3 days, 2 nights @ 130-acre compound which sleeps 22 people for me & my fiancee (we're spending our wedding night @ the resort & then coming back to the compound the following morning), my grandfather, his mother, his oldest sister, his younger sister & her boyfriend, my friend from college, his brother and his fiancee, their five year old daughter, the ring bearer, the ring bearer's father & mother and younger brother, and 2 other groomsmen (and possibly their girlfriends): $550/night + $200 cleaning fee + tax + additional anemities.
Flower girl dress: $80 + shoes? + hairpiece?
My tiara: $30 on eBay.
Save the dates (50): $78.45
Tux rentals for my fiancee, his brother, his two other groomsmen & the ringbearer: ? (Hoping to get group discount at Men's Wearhouse).
Wedding Invitations: ?
Rehearsal Dinner: ?
Food & alcohol for breakfast, lunches, & dinners at compound other than rehearsal dinner & reception for 19 people: ?
Manicures & pedicures for Bridesmaids & myself: $120
Jewelry for myself & bridesmaids: ?
Gifts for bridesmaids, groomsmen, ring bearer, & flower girl: ?
Silk rose petals for flower girl to carry: $20
Hair & make-up for myself & bridesmaids: ?
Gas to actually get there (it's a mountain destination wedding): ?
Honeymoon: ?
Wedding Favors: ?
Party supplies for rehearsal dinner: ?
Engagement pictures: ?
Announcement in newspaper: $95
Not owing my future FMIL a damn thing: Priceless.
LOL. I'm sure there's a bunch of stuff I'm leaving out and will remember as the days go on, but off the top of my head - there's my list. I refuse to go over $10,000 if I can help it. Luckily I've been able to cut corners (without jeopardizing style) by getting some of the smaller stuff off eBay, at Michael's Craft Shop, & low-end bridal shops. Thankfully, I managed to find the package deal that I found, which saved me quite a bit in the long-run.
I'll keep y'all posted.
I'm sorry about your loss and the drama you've been going through. I don't know if I would do all the things you've been doing. If my FI had sisters that age, I would not pay for their dresses. I know that some places have payment plans, and would suggest that. I would also ask them to save some money and maybe purchase the dress in January. There is time.
I know times are tough and you want to help out his family because you love him, but you may want to think about cutting back because all those expenses to begin to add up. Besides if his family loved him, they would make a sacrifice to save a little here and there to pay for at least their dresses and tux.
Oh my goodness... how stressful for you! You seem to have a pretty good attitude though. Is your FI contributing anything? I know his family is having financial issues, but is he as well? That is a lot for one person to be paying for! I definitely think a prenup is the way to go. You need to protect your future. Does his family know you've been paying for everything from your personal savings & not the insurance money? Seriously... how frustrating.
May I ask why you are paying for everyone's lodging & their outfits? If there are so many people staying at the compound, can't they split the cost or pay a portion of the cost? Truthfully, if I were you, I'd be eloping. You don't have a large family & his family is sucking you dry... I'd go to a warm, breezy location and get married. Just the two of you.
I'm so sorry you're dealing with all of this at once! You seem to be a fairly level headed, strong woman... keep on smiling. :)
Wow. I'm sorry about the loss of your mom. She seems to have taught you how to be independent and take care of yourself which is something you can pass on to your daughters!
For someone that is 21, you've gone through a lot of life experiences in such a short amount of time and yet you've dealt w/everything responsibly and in a level-headed way. I think it's been very generous of you so far to pay for most everything wedding-related. It's wrong of your FMIL to treat you like an ATM just to have her family participate in the wedding. She may be more sensitive of your wealth since you mentioned they used to have some money.
It's reasonable of you to want a pre-nup and to not mention it to FMIL since it is between you and your fiance anyway.
Congrats and best of luck!
I'm very sorry for your lost. Your mother instilled you with great values and made you such a strong character.
However, I think ur FMIL sucks! If they expect u to pay for everything, then u must make them work for it by doing some DIY project so at least they know u have no money to burn on everything. Make them run errands for u.
Does ur FMIL also expect u to buy her dress? Have u discussed the guest list with her? What if she invites tons of people? And is ur fiance supporting u at all with any of the wedding expenses? If he can't support u now coz he's supporting his family, i think that kinda paints the picture of what ur life would be. U will be supporting ur family (u and him) while he supports them.
I don't even know where they get the courage to think that ur trust fund or even ur savings can foot all the bills for a wedding. I really hope that u end up getting a pre-nup. Ur mom didn't make u the beneficiary of it just so other ppl can take advantage of it. Shame on them...
That is awful! I'm so sorry to hear about everything you've had to go through - at only 21, no less! That woman should be ashamed of herself. On one hand, I want to tell you to make them pay for the things they're expected to, but on the other hand, I completely understand you're desire to not "feel like you owe them anything." I, personally, would have made the bridesmaids, groomsmen, etc. pay for their own attire, as that's traditionally expected when they accept that position. Now, they your FMIL probably feels like she has free reign and will keep pushing you, knowing that you'll allow her to. I, personally, would gently but firmly remind her that your paying for the attendants' attire is a courtesy - a gift from you to them - not something you're required to do, so she should be grateful. I don't neccessarily recommend that you react that way because I'm sure you aren't as brash of a person as I am, and it would certainly only make things worse. :P I agree with ShoeHunter: "Your mother instilled you with great values and made you such a strong character." I find it amazing how strong and determined you are; it is admirable. I can't even imagine how hard that all must be to deal with.
As for a prenup, that sounds like a really good idea. Hopefully your fiance will understand, especially since he's been around to see the way you've been treated. It's also really good that you aren't dipping into your trust money. It was a very kind of you to foot the bill for even the things the couple isn't expected to pay, and it's a shame that they don't appreciate it.
Good luck, girl; I do hope everything works out fine for you.
I beg you to get a pre-nuptial agreement.
And to keep all trust-fund money completely separate from your household money -- do not use it to pay for shared assets, do not put it into any account that has both of your names.
I beg you.
Agreed on the pre-nup. It can be a tough thing to bring up, but it's important! This is part of your mother taking care of you, and his promise to take care of you and make sure nothing happens to you.
I think it's time to sit down with your bridesmiads, NOT your FMIL, and your FBIL, etc. and talk finances. Make it clear to them what you are and are not paying for, and check in about whether that is okay with them. Honestly, it is none of your FMIL's business whether you are paying for their tongue rings or not! You need to set boundaries now, not later.
I'm sorry for your loss and for the stress your FMIL is putting you through.
As everyone else has said, please, please, please get a prenup. Especially with all the immediate outlay associated with the wedding, I can see how FI or his family might get the idea that the money you've got now is there for all sorts of expenses, when that's not at all what your mother intended. Family is family and all that, but you're young and that money is meant to ensure that you can continue your education and chase after all those itneresting dreams you might have for the future without worrying about whether you can afford it.
If your mother had wanted her money to be used paying off FMIL's bills she'd have left the money to her instead!
(Random: You're getting married the day after me. Wheee!)
I am so sorry to hear about your mother. My father died from pancreatic cancer, so I know exactly what you are going through. Please make sure to take some time for yourself now. You deserve a few moments of peace where you can be by yourself and reflect. Your FMIL sounds like a wreck. It is absolutley none of her business (or anyone else's besides your FI and financial advisors) how much money you have and what you are paying for.
I think that you are being very generous paying for the BM dresses. Personally, I would ask your FI to pay for the tuxes. It is only fair, and that can be your gifts to the BMs and groomsmen. Additionally, I don't think you are responsible for lodging. You can pay for your room, but you don't have to pay for anyone elses. You can block off some rooms for everyone, and see if they will give your guests a deal but that is as much as you are responsible for.
I think it is really sad that they are all relying on you to pay for everything. You are pretty young, so be careful, people may try to take advantage of you. Do you have a minister or a counselor or even a mentor who you could talk with about this. I think that it may be useful to you to talk with someone you can really trust about this situation. Being able to talk with someone other than your FI or FMIL about this whole mess may provide you with an unbias perspective that will help you in the long run.
You should not have to take on this burden alone. Your FI should be helping you pay for this. If you are using your savings to pay for the wedding, he should be willing to chip in as well. This is not your burden to bear alone. Marriage is a partnership and he should be doing his part. I also think that a pre-nup would be wise. It is not meant to hurt his feelings, but to protect you and your assets.
Sending much love your way.
I am so sorry about you losing your mom, my mom is my best friend too and if she were to die I wouldn't be doing as well as you. Unfortunatley your new in laws sound awful. I too vote for the prenup. Both your inlaws and your fiance seem to be taking major advantage of you, advantage that I doubt they would have taken if your mom were around. This sounds like a bad situation that is going to get worse. Take care and good luck
I'm very sorry to hear about your mom. That's a lot to deal with so early in life. I really commend your mom for looking out for you and making sure you have financial support as you begin your adult life.
With regards to your wedding and the expenses/responsibilities you're taking on, I can't help but notice that you've made no mention of what your FI is contributing. Is he paying 50% of the wedding expenses, or are you paying for the entire wedding?
Regardless of how much you have in savings (vs. trust), it is not a good idea to spend at this level -- weddings are ridiculously expensive -- when you're still a student and don't have steady income to replenish your savings account. The reality is that you and your FI are standing on your own now (your mother left you what she could, and his family can't be counted upon to give you financial support should you need it), so you need to think about the future. It is a nice gesture to pay for this person's dress, that person's tux, and this family's accommodation, but you are going way overboard (IMHO) and quite frankly you need to stop and take a step back from all of this wedding stuff to think about what's lingering on the horizon ...
It is much, much, much more important that you think about your long-term needs and what your financial responsibilities will be as you begin your married life than it is to splurge big on your wedding day.
FMIL aside, you and FI need to have an heart-to-heart about how you're going to combine finances and responsibilities, and make sure you're both comfortable with the other's contributions.
I agree 200% that you should get a pre-nup. I realize it may be an uncomfortable subject to bring up with your FI but it is the right thing to do. Blame it on the lawyers if you must! Or blame it on me! Your mother wanted to make sure your education was taken care of and that you would have a jump start when you finish school (believe me, most people do not walk into well-paying jobs straight from college). The best way to honor her wishes is to protect the money she set aside for you.
I wish you the best of luck. I'm sorry if I sound a little preachy -- obviously I don't know you or your situation well enough -- but it worries me that you are marrying into a family that sort of views you as a golden goose.
I just want to give you a hug, you're obviously a very generous, strong and thoughtful woman. Please ignore her, don't let her blemish your happiness.
On a practical note, please get a prenup. Prenups should happen in the BEST of circumstances, because it shows that you will respect each other, no matter what. Keep us posted!
Sorry about your Mom. You sound like such a nice person!! Perhaps you could bring up the subject of a prenup soon just to get it out of the way. If you guys talk it through, it shouldn't be uncomfy, it'll e ok! Sorry about the FMIL...I feel your pain! Good luck with this!
I am so sorry to hear about your loss. I just lost my father unexpectedly about a month ago and watched him take his last breaths as well so I can understand the level of pain you must be in right now. I find it very selfish that under the circumstances they are not being as compassionate, but have you on a shopping spree instead. I agree with all the women here who have suggested that you get a pre-nup because it's hard enough dealing with your loss and having to make so many decisions in such a short span of time.
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So to make a long story short, I have never gotten along with my FMIL. She's never satisfied no matter how hard I try, extremely fickle, and two-faced. Always has and always will be. Since my fiancee and I have been together almost five years (I'm 21, he's 24), I have literally been to hell and back with this woman.
She suffered a stroke last year, and seemed to calm down pretty well with only a few snide comments thrown in here and there, so things seemed to improve.
About three months ago, I lost my mother (and best friend) after a 10-month long grueling battle with pancreatic cancer, so I'm still pretty involved with handling her estate & getting everything in order. Since she was a single parent and I'm an only child, (with the exception of my 83-year-old grandfather) I have no other family and have been pretty much left to fend for myself when it comes to bills, handling her debts & creditors, meeting with lawyers, making funeral arrangements, transferring property deeds, taxes, insurance, etc. I was there, looking into her eyes and holding her hand when she took her last breath under hospice care. Naturally, I'm heartbroken and devastated that I've lost my best friend in the whole world (and that she won't be at my wedding), and I feel so lost, but I'm trying to stay busy. Since my mother was terminally ill, his family was a great help and his mother seemed to cut me a large amount of slack.
However, I recently acquired a substantial amount of money from her life insurance which has been placed in a trust fund (with me as the trustee) to help me survive while I finish school and until I can get a steady well-paying job. My fiancee and his family has known about this since she was diagnosed and they were there throughout the whole illness. His family has struggled since her stroke to pay bills, although at one time - they were quite wealthy. But, before she passed, my mother instructed me what to do and what not to do with the insurance money.
Then, my fiancee proposed about four weeks ago (we'd been talking about getting married for about a year, & he promised my mother on her deathbed that he would take care of me) and since then, it's been a complete whirlwind. Of course, everyone got excited and started giving me ideas about the wedding, which I listened to and added my own touches.
I honestly thought our engagement would be a bit longer, but since the venues around here fill up fast, his mother made some suggestions and wanted me to call them. I called them and visited a couple on the weekends (with her and the rest of his family in tow), and found one I really liked. The venue I picked had a package deal which would save me a ton of money (and stress) compared to some of the other venues I looked at. The coordinator however advised that I put down a deposit for a date since they tend to book fast. So, I set a date (April 24, 2010), paid the deposit (out of my own savings, not trust fund) and figured the rest could fall into place as the weeks go by.
Then, his younger sister suggested I go look at dresses with her, her mother, and his older sister. Although I wasn't planning on it, I went and found my dream dress. Naturally, I was afraid it would get away and went ahead and paid for it out of my savings. Then the lodging (for everyone in the party & family on a huge luxurious 130-acre farm), then the tiara and veil, and the save-the-dates.
Since I have no other family & his family is really struggling financially, I'm paying for my own wedding out of savings. A lot of my friends have found that to be odd, but I figure that if I talked his family into paying for it, they'd cut a lot of corners and I wouldn't really have much say in things. So, like my mother would've wanted, I am ensuring that I get exactly what I want for our wedding, while being mindful of my budget. Also, since I have only a few close friends that I feel I can depend on, I asked his two sisters to be my bridesmaids in addition to one of my friends from college.
I picked out some bridesmaid dresses that were a little pricier than I would've liked, but didn't order them, since one of my bridesmaids wasn't there to get fitted. Once she was able to go with us, we all went back and ran into my FBIL and his fiancee, who were looking at flower girl dresses for their 5-year old daughter (I'd already asked her to be our flower girl but we hadn't discussed who was paying for what). Since they knew that I knew that there was no way his sisters would be able to pay for their dresses, I had already transferred money from my savings to cover it that day. And since I was paying for their dresses, I assured my close friend that I could cover hers if need be.
However, when we unexpectedly ran into my FBIL, his fiancee, and their daughter, we all went in together and the flower girl tried on some dresses. I picked a favorite and then asked for everyone's opinions, and they all agreed with the flower girl dress that I liked best. The dress was approximately $80 and I figured I was paying for that as well. But, the wedding's not until April and she's going to grow, so we didn't order it that day. We had the consultant write down the style number and I paid for the bridesmaids dresses - no questions asked.
Then, earlier this week, I could sense my FMIL's displeasure with something, but couldn't figure it out. She finally came out and asked me point-blank who was paying for her granddaughter's dress, since I didn't come right out and tell anyone and everyone that I would be happy to cover it. She instead went on and on about how my FBIL's fiancee is going to buy a professional photo lense for her camera to take pictures with and how those are so very expensive (not even touching on the fact that I'm paying for everything else) and how if I pay for one person's dress, I should pay for everyone else across the board. I told her I would be fine to pay for it, but if my FBIL and his fiancee felt more comfortable paying for it for themselves, that would be fine as well. Everything seemed settled.
Then my fiancee comes to me yesterday and tells me that his mother is upset that I didn't completely offer to pay for the flower girl dress. He defended me of course and smoothed things over, but I'm getting pretty preturbed with her and the situation. She's always been like this, so I should've known better, but I can't help but to feel cornered.
Ever since he proposed, it's always been assumed by his family that I was paying for everything and no one except my fiancee and friend from college has offered to chip in on little stuff. It just seems like that they assume that it should be no problem since I have a trust fund, that I can handle every last thing, even though I told his mother point-blank that the money for the wedding was not coming out of my trust fund no matter what. I've even considered getting a pre-nup, but I'm not sure how to approach the subject with the fiancee.
*sigh*
Sorry, I know this was really long, but I just needed to vent. I'm trying so hard to please everyone (including me and my fiancee) without any major drama or having a bridezilla moment, but I guess it's unavoidable. I just kind of wish my mother was here to help guide me through all of this.
Has anyone else had similar issues?