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I've noticed while looking through this board that a lot of bees mention paying off the wedding well after the actual wedding. How are you all doing this?? Loans, credit cards?? Are you vendors allowing payments?
I'm very intrigued because we're already over budget and haven't even considered the cake as well as a few other things yet!!
I had some shares to sell, some money in savings, and my parents are giving us some money. Hopefully having all the money already saved will mean minimal use of the credit cards. :)
I dont think taking out ANY type of loan (credit card, loan, line of credit) Is ok to pay for a wedding unless its no intrest and you can pay the TOTAL amount before the rate goes up. If my parents wernt paying we wouldnt have a wedding
We got some parental donations, used some of our tax refund, and also had a bit already in savings.
I think it's a common trend (in my area, at least) to pay for the wedding with the monetary gifts you receive at the wedding. That's a big risk, though, and not something I want to depend on.
We're paying for it from work paychecks and all my vendors offer payment options so I just pay a little each month and will have the entire wedding paid off on the big day.
My parents will be paying for the wedding. Otherwise, we'll be going to the courthouse to get married.
Our parents are giving us cash in installments leading up to the wedding. That contributes to about 1/3 of our budget. The rest is all on us, and we are paying cash for everything. If we use a credit card, it's only to earn rewards points, and we pay it off immediately to avoid financing fees. I am a firm believer that a wedding celebration shouldn't put you into debt.
We've planned to pay for the entire wedding ourselves. We've started saving before we got engaged and should be comfortably in budget by the time we have the wedding. If we get any help from our parents, then it will be a bonus, and will most likely be put towards our first home.
our parents are paying for most of it, but we are shelling out a few g's. luckily, i have a 0% interest credit card that we put everything on so far (my parents are paying for almost everything that's on the card now..getting the cash next month).
my zero interest is up in august, so im card shopping to find another one (i have excellent credit) and we plan to put everything else on that card. at the rate we're saving, it will take about 4 months after the wedding to pay everything off, if we get zero cash gifts. we are okay with that.
i know some people think credit cards are the devil, but if you are careful and know what you're doing, then it can be fine. if we wanted to not use the credit card, we would have to completely nix the honeymoon. not gonna happen.
:)
edit: we've also already racked up $150 in rewards points..we anticipate another $450-$600 by the end of the wedding...and WE DON'T PAY INTEREST :) i bet our credit card companies hate us.
We're paying for the entire wedding ourselves, which is one of the reasons we have a year and a half engagement. We save as much per month as possible so we can pay for everything in cash.
My mom gave us about 1/3 of our budget, his mother took a loan against her 401k that we are paying her back for, I also have enough disposable income to buy things as we go along and we should both get decent enough bonuses next February to pay for the honeymoon in cash
I'm with a few others. My parents are paying for it. And if they weren't.. courthouse we would go!
I paid for the wedding, reception and pig roast while hubby paid for the honeymoon. I worked on it bit by bit, making several purchases with every paycheck. I hunted and scoured the net for the best prices.No loans, and nothing was put on a credit card. But then again, the wedding, reception and pig roast came in at a little over 5K.
Our parents and us are paying for it...but I don't get people who can pay off the wedding after it takes place (unless they mean by using credit cards...). For us, all our payments are due before the wedding or on the day of. So we don't have the option to spread it out over a longer period of time.
Our parents are giving us $5,000 each. We are paying for everything else with savings and paycheck to paycheck. our wedding, with honeymoon, and rings will cost us around 25,000. So we are kind of proud of ourselves for coming up with 15,000 all on our own and with me being unemployed!
we are paying for it all ourselves. We have saved all out tax money plus been saving while we are working. We can't afford much, which is why we're having a small wedding, but it will be beautiful and we are proud to be doing it ourselves :)
We paying for it between the two of us with no help from family. We've put down our deposit on our venue/catering and each put an equal amount away each month so the balance of what is due will be paid two months before the wedding.
The honeymoon is same as above. We are planning for a honeymoon in the States, but we have enough of a cushion that we are shooting for Tokyo once we get some wiggle room by the end of the year.
The other expenses like photographer and DJ we are putting deposits on this month and will piece together the rest from our spending money (we're using a photog friend and a friend of a friend DJ so the deals are great)
My dress and BMs' dresses are my solo expenses as are his tux and GMs' tuxes.
The invites, place cards, centerpieces, STDs, guest book and cocktail hour decor has been bit by bit as I find what I want on sale or online. Anything else that comes up will be dealt with in the same manner.
Our plan will have everything except photographer and DJ paid two months before the event.
Fortunately I just got a nice raise with another nice one due the week of the wedding. FI is being promoted in September so that helps as well.
We are having a long engagement (26 months) and saving up on a monthly basis since we are paying for it ourselves
our parents are helping with 50%, the other half we are paying with what would be our monthly savings.
i started a new job right when we got engaged that gave me substantially more than what i was making at my last job so it's enough to cover the bills and pay for the wedding.
all of our vendors take deposits and payments so it's helped us to allott fi's cc's to get rewards and paying it off the next month.
this is only possible because FI had enough saved for my ering/band, downpayment for our house, and a lil nest egg that would cover us for about 8 months. between the 8 months worth of savings, wedding money, and our ability to start saving again come september, we're hoping we'll end up being comfortable again.
We're paying for it using our debit or credit cards. FI parents are paying for the reception. We've put a few things on the credit cards if they get us lots of points (like the honeymoon and rings) but pay them off. We made a rule that we weren't going into debt over this wedding and we've stuck to it :)
Our parents are both giving us a good amount of money. The rest we are saving up ourselves over our almost two year engagement! Our vendors thus far all want their money in installments before the big day! We don't plan on putting anything on our cc. I don't want to be paying for my wedding after the fact.
I'm guessing that those who are stuck paying there wedding after it are those who used credit cards or took out loans. I know someone who took out a huge loan from an Uncle, assuming that they would get it all back the night of the wedding--they were wrong. All vendors that I'm working with expect the entire payment before the wedding.
Paying for it ourselves and not taking out loans or going into debt. Especially in this economy, we would not have a wedding if it meant going into debt. I kind of feel guilty now for spending the money we are, but we shopped around & negotiated on our venue & catering & I am DIYing centerpieces and cocktail hour decor. I have found that florists, planners and caterers are quite willing to work with us as they'd rather get your business and make a small profit than get no business and no profit at all.
Wow. Fair play to all of you! We will be borrowing pretty much all of the money for our big day. ca 15k. It just wouldn't be happening otherwise. We won't have the option of parenta money for it, although assorted family members have offered to help out on smaller stuff - 1 FSIL is offering to buy the Unity candles, for example, while his mom is gonna help me do all the flowers. Just hoping our financial situation improves over the next few months to avoid us having to borrow quite so much!
We are in a bit of a unique situation as well... we have sold our current home (moving into a new one after the wedding!) and have about 60k coming to us at the closing of the house 4 weeks after the wedding. Given the new house build and all teh deposits needed for that.... all our wedding savings has gone to new house! So, the wedding will be put on credit until the house closes 4 weeks later, and then paid off in full :) and we will have our new DREAM house on the river, our wedding and no debt :) ohhh how I can't wait for those days hahaha!!
We've paid a lot of stuff "as you go" with putting down deposits for things and buying smaller items (shoes, cake topper, invites, etc). Probably spending 200-300 extra per month if you average it out. We'll have the big payments due in the last month before the wedding. The money will come from my parents, and from our savings account. We may put some things on credit cards just for convenience, but will pay the bill in full the next month when it comes due.
My fiance and I are paying out-of-pocket by credit card so we can obtain rewards points, then paying off the card at the end of each month. I would prefer not to put anything on credit, so my wedding spending has been curtailed to once per month and will continue through May of next year. We've fully paid our venue and my dress. Next up is stationery including Save-the-Dates and invitations. Photography will be our next huge spend and that will probably be at the end of summer.
Me and the DH paid for 90% of our wedding on our own. My parents and his parents gave us about $1000. As for everything else, I did borrow about $3k from my brother and $2k from my sister and turned around and paid them back with our gift money. My wedding cost us about 11K and I saved up about $3k for the wedding specifically. I didn't save us as much as I hoped so I actually bought a lot of the stuff before the wedding so it wouldn't all happen at once. It all worked out.
My parents are paying for the wedding. FH's parents are paying for the rehearsal dinner, OOT guest reception following the rehearsal dinner and the brunch the morning after the wedding. FH's parents also gave us $$ towards our honeymoon.
We are putting a lot of things on a credit card which earns us a ton of airmiles and paying it off immediately. I don't get people's fear of using credit cards when it comes to a weeding. I use them as I would any other time, i.e I only put things on them when I know I already have the money to pay it right off. I actually hate it when vendors want cash, because all I can think of is all the lovey airmiles I am missing out on!
We are marrying in 9 months. We are saving up already, want to pay ASAP for reserving our venue and lodging (out of state wedding). Everything else we will just "pay as we go" from our regular budget... definitely cutting back on things in our budget to free up wedding money though. NO MORE STARBUCKS! lol There's a lot we can cut back on (like my thrift store shopping addiction)... it's just a matter of looking closely at what is truly necessary.
Also quitting smoking, once and for all, which will pay for almost a third of our entire wedding ($5000 budget)!!
We are also planning on using our income tax refund for part of the cost, and I am in love with that can recycline idea I just read about here, so we will do something like that. Going to sell a lot on ebay and Craigslist too. I used to sell on ebay full time so I know it can be done again to help out.
We are in our 30s with 3 kids and a mortgage... no parental help... and full time students, but we want this so badly, we'll figure it out!
We are paying ourselves. It would be nice if one of our parents would offer to pay for something...anything...even a small thing. Nope neither has contributed to the cause. Well my mother will be flying down to the wedding so that is her contribution ( I guess). As for his parents, nothing at all...so sad. But oh well we have done well so far. It is so worth it!
Well, we are paying for almost everything ourselves. We've saved about 1/3 of our incomes for the last ten months. My mom bought my dress and the cake. His parents paid for the church and half the photographer. Everything was almost paid for, venue, vendors, coordinator, decor, dj...and THEN...
Somehow, from the 130 invites we sent out, we ended up with 195 (and counting) positive responses. All of our math was for 150-160. Now that we've busted our guestlist and are We're nearly 50 ppl over, We will be forced to borrow money from someone to handle the exra ppl.
this is both our 2nd wedding and we are paying for this one all on our own...hence why we are having a super small wedding on a tuesday morning! lots of savings there.
My fiancee and my parents are paying for it. Luckily my mom is amazing at pulling of champagne taste on a beer budget. Plus my fiancee 'gifted' me a wedding planner since I was too stressed and not enjoying the wedding planning, so we'll save more money there.
We're paying the majority. My parents haven't really said anything certain about contributing, just that they'll contribute in some way. I feel like they put me through school so to ask them for wedding money too is a bit selfish and rude. So I'm planning on paying the majority.
FI and I aren't in a hurry to get married (we already live together and have lived together for around a year and a half). I love the idea of getting married on our four year anniversary (9.15.12) which would give us a ton of time to save money!
I don't like the idea of going into debt over a wedding and I hate the thought of entering our marriage with zero in savings. I'm hoping to stick to a $10,000 budget.
We are paying for our wedding ourselves also. We got engaged Sept 2009 and are getting married on Oct. 2, 2010 so we've just split the cost of everything through our paychecks in the last year. We did an excel spreadsheet of everything and the cost and then split that between both of us and our pay periods. That way, when the big day is here (and it will be very soon!) we go into it w/o being in any wedding debt and have nothing to pay off.. so far it's worked very well and we are on track with only about $3000 left to pay before Oct. 2nd.. =)
For anyone paying for their own wedding i suggest trying this if your budget allows =)
Engaged August 19, 2009; Wedding August 20, 2010. We are paying for everything. EVERYTHING. We also created a spreadsheet of all our expected cost. I asked him to pay for the Venue and Food, which is a huge chunk. He also, of coursed payed for the honeymoon and my E-ring.
I'm paying for everything else; cake, dj, linens, chargers, decor, gifts, jazz band, favors, invites, dress, flowers, ceiling drapery, lighting, etc. It pretty much evens out, with the exception of the honeymoon and ring purchase added to his total bill. Every other check goes toward the wedding cost. We have managed to not use credit or loans, which I am happy about.
i'm a lucky girl, and my parents paid for my entire wedding, mind you my budget was $5000, and they had been saving for over a year :) i am blessed!
We are refusing to go into debt for ANYTHING wedding related.
There will be no loans, and VERY minimal credit use (we hate credit cards, and interest).
For the most part we are putting a little money aside every pay check, and will be 'paying as we go,' spreading out deposits & etc as to not get in over our heads.
We've both said from the very start that if it gets to financially overwhelming we're just going to go to the court house.
ETA:
Niether the IL's or my parents are paying for anything, nor do we expect them to. In fact, we're not even going to ask.
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