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Stressed And Sad

posted 2 years ago in Emotional
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    Ruby Hummingbyrd    September 19, 2010   Toronto

    Hi everyone...

    Just hoping to vent a little bit if it's okay.

    My husband and I got married in July of 2009. I wanted to wait until we had enough money to do a beautiful wedding, but we were already living together and since we both come from traditional families, we both felt a bit guilty about it; him more than me I guess, but long story short, he convinced me to forego a wedding and do a civil ceremony - we agreed that we would do a wedding later, and set a date for Sept 19, 2010. It would give us more time to save, since he was trying to straighten out his finances after a few bad breaks from investments gone wrong and serious debts, and we wouldn't be "living in sin" so to speak.

    Because it's always been my dream to have a wedding, I started saving. But one thing after another kept happening, all involving finances, and his family. One of his relatives was about to lose their home and needed $2,000.  Since my hubby was still strapped, guess who had to dip completely into her savings? I don't make a lot of money, so this set me back considerably. But I knew his personal financial situation when I married him, and I believe in keeping my vows - his family is my family - his problems are my problems, and I also know that had it been me I would appreciate the help.  So I bit down on the loss and started saving again. 

    $5000 of scrimping later and about to try for a deposit on a venue, trouble comes again.  Here I guess I need to give a nutshell of our history.  Before getting married, we'd known each other for 9 years. 7 years out of that 9 was of an 'off again /on again' nature, with us seeing other people and him even getting engaged to and buying a house with someone else.  Things didn't work out there, and I got my happy ending i.e. he decided that our love was worth it.

    Fast forward to the present and the house he'd owned with the ex, which was a major financial burden to the both of us, is only just getting sold. In a down economy, the best that could have been done until now was to rent out the house, and when the last tenants moved out, he was left in a bind.  Finally though, the house gets sold, but NOW, there are penalties for getting out of the mortgage early.  $8,000 to be exact.  I believe the ex will have to come up with half, but he has no way to come up with $4K on his own in such a short space of time; closing is in 2 weeks.

    As a spouse, I feel obligated to come to the rescue. I can't watch him struggle. The trouble is, it's my wedding money! So far, all I've managed to buy is my dress.  When I look at the situation from a distance, all I see is me giving money and not being able to save for the thing that I want most, while he hasn't given me a dime towards the wedding. I have been understanding and tried not to nag him because as I said, I was aware of the situation going into it, but the agreement was always that he would help whenever he could, and he hasn't. I've been fighting the growing suspicion that I would end up paying for this wedding all by myself - which might even be alright if I could just do that. 

    But it's always something.  And now it's looking more likely that the wedding won't happen this year...and my worst fears about doing that civil marriage will be closer to coming true.  I was always afraid that if we got married that way, that I would end up not having a wedding at all as time passed.  Having a  wedding after you've been married for 2 years seems so pointless.  I've been crying a lot about this, and I'm very frustrated.  I've decided to just air this out anonymously because I haven't been able to talk to my family about what I've been going through...they were NOT his biggest fans in the beginning because of our history, and I did a lot of lying to smooth things over.  I can't disclose that he's not helping because that would mean revealing his true financial situation, and I don't want to embarrass him...but at the same time I'm so tired and sad right now...it almost seems as though I don't deserve to have a dream of mine come true; like I'd be selfish to insist on a wedding anymore. 

     

    Anyway...I apologize for the long read...thanks for listening.

     
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    noritake22    March 31, 2011   Seattle

    I am so sorry you are having to go through this, but what about doing a vow renewal at your 3 or 5 year anniversary. You could still do it wedding style and it would give you both an opportunity to get to where you need and want to be.

     
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    MissAsB    June 6, 2009   Married in CO, Living in AL

    I'm so sorry.  Honestly, I'm hoping that there aren't other things out there that you will have to bail him out of.  It is sort of ridiculous how many bad things are following your husband around.  I'm just hoping that his mistakes are behind him and that you two can move on and save TOGETHER for the wedding.  You might want to consider delaying the big wedding until his finances are in better order since you will be in just as bad a situation if you pay for an expensive wedding and then something else happens.

    Also, there are a lot of ways to cut costs, just check out posts on here for how to throw a great wedding for very little.  I wish you two the best and I hope this doesn't sound harsh!

     
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    mrsmurraytobe    June 11, 2011   Atlanta

    Don't ever say that you don't deserve a wedding! You do deserve one and I'm so sorry that other financial strains are draining your wedding savings :( Please don't give up. It's not uncommon for couples to do the civil ceremony and then have their wedding later. What all were you wanting to do? Were you wanting to do the ceremony as well as the reception? Maybe you could just have a reception and there are many ways to do a lovely one on a small budget. I'm guessing your family isn't willing to help chip in?

    I'm sorry you're so upset about this and you have every right to be! Maybe it would help if you talked it out with your hubby, explain your feelings. Just don't give up!

    *hugs*!!

     
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    mrsmdphd    April 17, 2009  

    First of all ((((HUGS)))).  I'm so so sorry you're feeling stressed and sad, it's completely understandable.  Second of all, have you had a serious conversation with him about this?  As in, sit him down with no other distractions and say: "Honey, I love you and I will help you through any and everything, but I'm hurting and sad, and I'm not sure you understand how much this wedding means to me.  This is how much money I have saved, and this is how I would like to use it--what urgent things might I need to spend it on instead?  And if I spend it on those things, when will we be financially ready for our wedding?"  Obviously, you two have to stick out the tough times together, and you have been wonderfully understanding; but I hope he fully understands the toll that this has taken on your dream of a beautiful wedding and understands how lucky he is to have a wife who so unquestioningly gives up what she wants when he or his family needs something.  Good luck, and if it doesn't happen this year, it WILL happen, because you deserve it! 

     
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    Ruby Hummingbyrd    September 19, 2010   Toronto

    Thanks guys.  My family has already given us $2,000, which in my opinion is more than I could hope for seeing as my father was laid off last year.  I would not ask them for anything more.  HIS family is actually not much better off, except they own many expensive things, so it appears that they are rich when in actuality they are struggling to make ends meet.  When we talked about this wedding, we agreed on 2 things:

    1 - that we would pay for this ourselves and not put additional strain on our families

    2 - that we would NOT under any circumstances go into any further debt

    mrsmurray, I really wanted our wedding to be blessed by the church, so yes, I wanted a ceremony and proper reception.  I haven't been trying to go overboard with the spending I don't think; we had a budget of $15,000 and I was prepared to save for that. I figured that between the two of us, a year's worth of saving would have taken care of it.  Most wedding payments are done in installments anyway, and so we agreed we'd handle what we could as we went along.  Except it's turned out it's been ME handling this and every other little expense outside of it.

    I would talk to him about this, it's just that when I bring up money he feels badly because he knows he hasn't been pulling his weight.  And when he feels badly, he shuts down and withdraws.  I really don't want to deal with additional tension on the outside - I hate conflict...I really do.  But at the same time I'm feeling very strained by all of this.  Helping him is the mature thing to do. But the little girl in me who never had a chance to be a princess really wants my wedding.  I guess you guys are right. It'll have to go on the back burner. Again.

     
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    Janna19    June 7, 2008   New York

    @Ruby - have you considered joint financial planning help?  It might be worth developing a solid plan together, especially given that it seems he has made some poor investment decisions in the past.  This might be a way to develop a plan together and not make him feel badly.....then you can be realistic about all the obligations out there and set a date for the wedding that works.  Who cares if its 2 years away? You still deserve  a wedding!

     
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    ejs4y8    June 20, 2009  

    I guess I don't understand why you are saving for a wedding when you technically have a lot of debt due. It's something I struggle with but something I know lots of people do. I just wouldn't feel comfortable spending 15K if there are debts/loans/requirements to be paid. Sometimes life gets in the way and we have to adjust accordingly.

    His debt is your debt, too. And saving for the wedding instead of paying that off only means the interest gets higher and you pay MORE for it in the long run. That can cripple you.

    You say that "you" are paying for a lot of this. What is your SO doing with his money?

    You're basically a team and need to act like one and tackle issues together. You definitely want your finances in order. Sometimes what we want and what we can have don't necessarily go hand in hand. The 'dream' isn't worth putting you and your husband in financial troubles. You'll regret it when it's done, so just be careful!

    And get your money back from those relatives. I bet the 2K was a loan, not a gift. I don't believe in taking money without paying it back.

     
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    teaadntoast    04/23/2010   New York, NY

    Agree with ejs, per usual, but am troubled by the fact that you seem to be shouldering all of the financial burden right now.  Is your husband making any sacrifices in order to dig the two of you out of debt?  As for maturity, he needs to, for lack of a better phrase, man up.  He madea bit of a mess, and the adult thing, the right thing for him to do is work on cleaning it up, not shut down and sulk whenever he's reminded that he made some poor decisions or exercised less than stellar judgement.

     
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    Sarah71710    July 17, 2010   Colorado

    What would it look like if he got a second job on the weekends to in essence "pay you back" so you can continue wedding planning and paying down that debt?

    BTW - I consider you unbelievably blessed to sell this home. We were able to sell FH's condo earlier this year, also at a loss, and I cried at how awesome it was to find a buyer in this market. It's so bittersweet isn't it?

     
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    Ruby Hummingbyrd    September 19, 2010   Toronto

     

    ejysy8  I understand that his debt is my debt, but he does have his pride and asked for time to clean up his own messes.  He's pretty much done clearing his debt. It's the HOUSE that has been crippling him; since the tenants moved out, he's had to pay the mortgage.  We live elsewhere; when the whole arrangement began, he and the ex split and rented out the house to tenants - he moved in with me.  While the tenants lived there, he'd been paying off his consumer debt. The tenants left a few months ago, and the house is now being sold. With helping out at my place, and handling the expenses for the previous property, his finances have been pretty much tied up.

    The wedding means a lot to me, and I suppose part of me just felt as though it isn't fair.  I understand the situation. It's just a bitter pill to swallow is all.

    I've given up trying to hound the relatives for money. They couldn't afford to keep their house in the first place, which tells me they probably don't have that $2,000 right now either.

     

     
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    mrsmurraytobe    June 11, 2011   Atlanta

    Wow, well I understand you're wanting the wedding, ceremony and all, and I just hate that it's getting more and more difficult to make happen! I wish I knew something else to tell you but I can tell you that if you want this, don't give up. It may not happen when you want it to but you do deserve one.  I did like the idea of the 3 or 5 year vow renewal, maybe you could have your "wedding" then? And this may sound harsh but as to not wanting to upset your hubby and make him feel guilty by talking to him, that's not right. He's a big boy and sometimes, you have to hear the bad, not just the good. And I'm sure it would make him feel worse knowing that you won't talk to him about this because you're afraid of how he might feel. He's your best friend and that goes both ways. Be honest.

    Hang in there!

     

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