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honestly i would skip the limo. maybe rent a van if you have a lot of people, or just caravan with your own cars. it sounds like you'll have ot skip the videographer too...i would just buy a flip camera and ask someone to record for you.
make sure you're sticking to a budget for your montly expenses so that you can save a little for the wedding each month until may. cut out everything that's not vital -- restaurants, mani/pedis, etc.
I agree with Kitzy. It's time to look at your plans and see what you can cut back on or DIY. A wedding is not worth potentially going into debt.
We cant cut the limos out they are half paid for already we owe the rest...We have already cut our list down the the bare mininum! And all Fi tax money will pay off honeymoon and mine will to bills and the rest to wedding! I wish i would win the lottery tomorrow! lol
"Do yall this is is possible for us to pay off before our wedding???"
Well, since you only have 4 months, its not going to be easy. Do you have any additional savings you could throw at it? Items you could sell? If you’re looking to pay off this remainder solely on an additional PT job, even without a videographer, you’ll need to save over $1600 a month, which works out to having a PT job that pays over $25/hour. How much are you currently able to save per month, and what sort of deficit do you need to cover?
I would say, whatever you do, don't go into your marriage in debt. Sit down and go over every line item in your wedding, that isn't already paid for, and see where you can cut. Is it really that important to have a limo, or more than one limo? Can you change up your reception menu with less expensive options? Can you cut down on your flowers? I know you want a videographer, but have you asked what type of service they can offer at a lower price? maybe 3 hours instead of 4 hours of filming, or whatever. Having a less expensive wedding, won't make it any less special, I promise.
If you can get a part time job, I highly recommend it.
For the videographer, I would consider hiring from a school to keep costs down.
@SandyThePoet:we cant possible cut anymore then we already are. Our reception hall is one price all food included there is no cutting back there and the limos is a must no changing that.
My mom is making my invitation, flowers, thanks you cards, centerpieces, Anything that can be made my mom is making it. LOL No im in search of a part time job.
Do you both already work or are you students? We're paying for our wedding by just cutting back on everything we buy. Eat more macaroni and cheese!
I think 4 1/2 months is doable!
We both work full time! I also dance for a Arena football team and practice on tuesday and thursday nights...but im looking for a job on the other night and weekend just so we can get this paid off. We own a house so we have other bills and neither of us are in school.
Our date is about 2 months after your's but we still have about $6500 or so left to come up with. It can be done! Tax refund will obviously help but I have the exact amount we need to save per month calculated and I'm sticking to that. Transfer a certain amount per paycheck to savings on auto so you can't spend it on other things. Also cutting out little things like Starbucks can really add up. Good luck!
There are always ways to cut back. I would skip the limos. Even though you said you've already paid half, you still owe $900. In my mind, if money is super tight, I'd swallow whatever you put down on the limos so you don't have to pay that $900.
Are you doing extra desserts for an additional cost? you can skip them and just serve cake.
Skip chair covers, programs, favors. Choose a different, less expensive bouquet.
Good luck!
I have a tiny tiny budget. No family members have or can contribute. I would nix the limo. :( Sorry... I would also suggest a job as a bartender or waitress at a high scale place. Cash tips should go right into your bank. Look on Craigslist for anything you can. Good luck....
I agree, nix the limo. You will be out some money, but you're not out yet another $900. Spending money is not saving money.
There is no way we can cancel the limos we already put down half and the other half is 900...so thats totally out...my mom just told me that all of her taxes will go to finish paying everything off and fi just told me he doesnt want me to get a second job that we will figure this out somehow.
I was able to save three thousand in just a few months working weekends at a high end restaurant, still wish Ted Turner would not have closed it.
I recommend this to a lot of brides - but it seriously is a great pt job - babysitting. Get on SitterCity.com and Craigslist and try to pick up some weekend babysitting jobs. The extra $$$ will help!
@blondebride2:With regard to the videographer.. I understand, I really want one too! Do any of your friends/family have a high def video camera? You can always have them shoot critical moments (ceremony, first dance, etc) and then pay a professional to edit the footage later. This is a less expensive option, and it will allow you to wait until you have more cash after the wedding to pay.
In my area professional videographers start at $3000..
You should look through your house and decide what you can sell. If you're in a major city, you'd be surprised how much you can sell for free on Craig's List or even have a garage sale.
Find other ways to cut back in your budget and save every cent. Do you use coupons to food shop? If not, try it. It doesn't take long and can save you a ton. You can even get electronic coupons put on the card for the stores you use, so you don't have to clip anything. Eat meals that you can have for days (like chilli or spagetti) and that are cheap. Don't buy any snacks out. Bring food everywhere. Can you carpool instead of drive a few times a week, etc.?
I would also nix the limo, even if you're going to loose money. It doesn't seem worth it. Or try to work out a deal with the vendor for less time based on what you've already paid.
If you already have a f/t job and you dance a few times I week, I wonder how realistic a part-time job is for you without you feeling too burnt out. I would suggest something like babysitting, dog walking, etc.
Also, you may try online surveys. They don't pay a lot, but you can often get Visa giftcards you can use for other things (like groceries) so you don't have to spend your money.
So, can you clarify... why are the limos out? Do you still have to pay the additional $900 if you cancel? If it's just the money that you already paid, and you wouldn't have to pay the additional $900 then I'd still cut them.
If you really can't find a way to pay for this wedding before May, I would consider cutting the honeymoon.
We owe about the same on our wedding (same date)...I have a strict savings plan set up right now though...We're saving 864 a month from our regular budget til May, using our tax returns towards the wedding (est around 2 grand) and my fiance is also committed to working overtime every weekend til the wedding (worth another 1800). Whew.
It just means we can't eat out, buy new clothes, spend much on valentine's day, take any trips, or buy any new stuff for a while. And I'm ok with that because we won't owe anything on our wedding and can enjoy being happily married :)
Is it possible? Sure, but I think that you need a budget, pure and simple. Sit down and calculate what comes in and what goes out. Then figure out what you can change.
-You can save: clip coupons, take the bus, pack your lunch, cancel the gym membership and go running, make your own coffee, drink tap water, turn down the thermostat, consolidate your debt (if you have any), give up overdraft protection, get a library card instead of Amazon and Neflix. Also, forcing yourself to pay for everything with cash will also help you cut down on your spending (just make sure you know where all your bank branches are so you don't pay ATM fees!)
-You can earn: babysit, dogwalk, tutor, temp, have a garage sale, sell your things on ebay, sell your body to science (sign up for psychology studies and the like)
-You can make some changes to what you want for your wedding, such as: biting the cost on the limo (you'd still save close to $1K), hiring a student to shoot your wedding or even asking a tech-savvy friend to do it, and/or postponing your honeymoon and using the tax refund to pay for the wedding.
I'm a huge believer in avoiding wedding debt as much as you can. A wedding is one day. Your marriage is--one hopes--forever, unless it cracks under the same financial pressure that ends a lot of marriages. So I don't agree with your FI with the whole "it'll work itself out." We're talking about $6,500 here. You need a concrete plan as to how to do it.
I am going to speak out in a totally different direction. So far, my FI and I have been able to pay for everything with a debit card/cash. We had been planning a super tiny rehearsal dinner, with possibly drinks afterwards. But now, many of my elderly or super distant relatives are going to be coming to the wedding! So now, even though we can't afford it in the moment, we are going to shell out more money for a nicer, sit down, rehearsal dinner. It will probably set us back another one or two thousand dollars, but I am willing to continue working and saving to pay it BACK after the wedding.
I don't advocate going into debt for your wedding, but if something is really really important to you (which seems to be the case with the limos) do EVERYTHING you can to pay for them in the moment, but also consider how you can pay it back quickly after the wedding is over.
(I'm already cringing! I don't advocate debt, but I think sometimes getting your friends and family together in one place for one weekend is worth a liiiiiiiiittle bit of extra money).
I really don't think there's any way for us to know if it's possible for you to save it before the wedding since we don't know what your income is or what your regular monthly expenses are. If you have a surplus of $2k every month, then yeah, easy! If you have a surplus of $50 every month, maybe not.
I'd HONESTLY consider cutting the limos and seeing if they can refund some of the deposit since you're still 4 months out. They might give you back some of it, and even if you don't get it all back, you're still not stressing about coming up with that additional $900 in the meantime. That's almost a THOUSAND dollars you wouldn't have to worry about right there.
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So FI and I are tring to figure out how we are going to pay for the rest of our wedding...We still owe around 5500 on the reception and 900 on limos and I still want to hire a videographer! Im looking into getting a part time job. My dad is unemployed and our familys have contributed as much as they can. I think i just want to know im not the only bride not done paying for their wedding. Do yall this is is possible for us to pay off before our wedding???