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Stressing out trying to figure out how to pay for everything

posted 1 year ago in Emotional
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    FireflyT    June 2011  

    I feel upset because many of my friends/cousins etc have had their families pay for almost their entire wedding. My family and also my fiances family are only offering to pay for a small amount of the wedding which will probably only be about a third of the total cost. I don't want to sound ungrateful about that, but its hard to afford a wedding. Because of that we are planning a budget wedding. We are trying to keep the guest list down, having it in the day time since thats cheaper, and not having an open bar.

    The problem with that is both our families have a long list of people they went to invite.  On top of that friends I barely ever see and haven't talked to in like a year are popping out of the wood work saying they want to come to the wedding, expecting they are invited. Friends have told me they find it tacky if people have to pay for their drinks. My DF and I are going to have wine, soda and punch for everyone but we can't afford to pay for the mixed drinks. The venue we picked offers a bar option where people can pay for their drinks but I don't know if people will find that tacky.

    Others keep asking and suggesting a theme wedding and other stuff like a photo booth, candy buffet etc. All nice suggestions but I just see them as costing more.

    I guess the bottom line is I don't want people to be disapointed in the wedding. My Mom has suggested getting a credit card to help pay for extra things but I don't want to be paying off wedding debt once we are married.

     
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    Lindsay05    August 21, 2010   Canada

    We had to pay for our wedding ourselves. Between mortgage, student loans, it was hard to find extra cash to pay for all of it. We found that whenever we booked something we paid as much as possible on it at that time, rather than only paying just the deposit. For lots of it, they don't require you to pay until the wedding night or the end of the weekend (that's how it was for us). This allowed any money that came in on the wedding day to pay for the other services. Try to DIY when possible, and don't worry about the small details because most people don't notice. If you have food, music and booze, then the guests will be happy!

     
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    amnystik    April 9, 2011   Texas

    JUST BREATHE!!!!!!!!

    It is soooo possible to have a GREAT wedding on a budget!

    My FI and I are paying for the majority of our wedding (UNDER 7k) and immediately cut our list ESPECIALLY the Parent list... which they didn't get. FI and I made the WHOLE guestlist to our perrogative

    My mom was totally supportive.... she actually prefers elopements for this VERY reason!

    CONSTANTLY remind yourself of the REAL reason behind the wedding.... Getting MARRIED!

    As for the assumption people... just let them know it's small and let THEM KEEP their offense.

    I had an AQUAINTANCE that I hadn't seen in a year get upset about not getting an invite... PFFFFT... that's HER problem... not mine!

    Search for ways to make any ideas you have easier or cheaper to do AND remember that seeing all the awesome things on boards like this (as great as it can be) doesn't make them NECESSARY for an AWESOME Wedding Day with Friends and Family!

    It WILL work out and fall in to place.

    Just Love your Soon to Be and keep that in the front of your mind b/c THAT'S what it's all about ;)

    P.S. DO NOT GO INTO YOUR MARRAIGE IN DEBT THAT COULD'VE BEEN AVOIDED!!!!!!!!!!!!!! Weddings are NOT necessary for a Marriage BUT good financial stability IS!

     
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    PizzutiStudios       Boston Area

    We paid for most of our wedding ourselves as well. A ton of DIY and bartering went a long way. As for the guest list we made some rules and stuck with them. The first we created the list we wanted. Budgeted everything out like food, rentals, drinks, cake etc and divided it by how many people were on the list. If any of our parents wanted to add someone they had to cover the cost, above what they were helping us out with, to include that person. Explain that your original budget included what they had already promised you and the extra people take you over that, things add up quick. As for friends we had a rule that unless we have talked on the phone in the last year they were on the B list or cut all together.

     
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    GirlWithARing    September 5, 2010   Living in NYC, marrying in Philadelphia

    We paid for everything ourselves too. I totally understand how it can seem so unfair when friends get a whole fancy wedding paid for by parents. But all you can do is work with what you've got! 

    I agree with you - going into debt for the wedding is not a good idea. Instead, I would limit the guest list - that's really the #1 way to keep costs down while still having a nice wedding. Figure out your total budget - what you can contribute and what your families are helping with. Then figure out how many people you can afford. Split the guest list fairly and if your parents are unhappy with the number they get, show them the budget so they understand why you can't afford to invite more. They can always pay for their extra guests if they want to.  

    In terms of having a "nice" wedding that people aren't disappointed with - you don't really need extras like a photobooth or a candy buffet! Just feed your guests well, and if open bar is the norm in your area, maybe you can consider making that a priority? If it's tough to afford the kind of wedding you want even after you cut the guest list, maybe wait a little longer so you can save up more?

    Good luck! 

     
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    qui40067    July 3, 2011  

    *hugs* it hurts to be stressing about money for your wedding when everyone around you seems to have things handed to them.

    I think the PP have all had good advice so I won't repeat it but remember: you will never, ever be able to please everyone. That's probably the hardest thing to really cope with, but once you've got that down, other things somehow tend to fall into place.

    Best of luck and remember-no matter what, you will have a gorgeous, memorable wedding no matter the budget and that you will be married at the end of it :)

     
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    sorrycharlie    July 2011  

    I'm going to tell you the opposite of what you will probably hear from anyone.

    Here's a little background..FI is an electrician's apprentice - he'll be licensed one year after our wedding - and makes about $20/hour. I am a full time student and I nanny 10-20 hours a week for 12/hour. Sounds decent, we have tons of bills, here's the kicker - we have serious amounts of credit card debt. However, I have never missed a payment (even though once in awhile I had to only pay the minimum if something came up), and I've never accrued any late fees. Debt, while not ideal, sometimes is unavoidable. I agree to do everything you can to avoid it, but do not  feel like a bad person if you must resort to it.

    I have spent many, many nights lying awake hating myself for our credit card debt - but while that number is there, we're paying our bills and have a roof over our head. I am just thankful that I did not lose a home to foreclosure with small children, or have to drop out of school, etc etc. Again, it sucks but its doable for sure. At least if you are very organized about it. Write a spreadsheet of bills and when they are due, and plan ahead - I have every bill for the given month written into a calendar, along with their amount and the last 4 digits of the checking acct they're paid out of (we have personal checkings and a joint checking).

    I'm not trying to condone overspending what you cannot afford, but please don't feel awful if you must use credit. It happens to the best of us. Just because you might be entering your married life with debt does not mean your relationship is set up for financial failure - we are entering with debt but we are both committed to paying it off. Just don't go crazy and buy things you wouldn't have in the first place Smile

     
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    DesireeAnne    October 13, 2012   South Jersey

    I'm in the same boat as you (regarding your title).  I had a minor freak out a few days ago.  I even questioned as to if we're in over our heads.  But I know it'll work out somehow.  As will your problem.  Most couples seems to be in our sort of situation.  It's not rare anymore.

     
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    bhs133    September 3, 2011  

    You do NOT have to pay for their liquor drinks girl! That is so stupid if people say it is rude if you dont. If you can't afford it then you don't pay for that piece of it! 

    We are paying for our wedding too and I am NOT paying for the liquor and beer either. There is wayyyy tooo much more important stuff than the beer. If they want to drink then they can pay. :) 

     

     
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    sorrycharlie    July 2011  

    @bhs133: I totally agree! we are not ashamed to admit we're cash bar =)

     
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    AJoy77    June 25, 2011   Brooklyn, NY - Wedding in Arlington, VA

    @FireflyT:

    I'm right there with you. Had a major freak out a few days ago after getting a few catering quotes at over $100 a person. This is on top of the $2k venue fee. Our families are only helping a bit and we are trying to keep things at around $8k if possible. I refuse to pay $19 per table to rent white linens that I could easily buy or sew myself! I have to remember that I will not be MORE married with a 3 tier cake, fancy china and an open bar. Gah. We decided we are going to DIY as much as we can and if we don't NEED it, we won't do it! :)

    Hang in there!

     
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    Babeeb mom    July 2, 2011   Illinois

    I would never think a cash bar is tacky.  Yes, it is ideal to not have to pay for liquor at a wedding... but I would be more upset if I wasn't given a choice to buy it myself or if there was only one alcoholic option.  As far as decor, favors, and everything, I don't really care what a couples wedding looks like as long as they are enjoying themselves on their special day!  I know it's hard not to stress about these things but it's your day, so do whatever you feel comfortable with!

     
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    Lee_Ann    October 20, 2012   Pittsburgh

    I guess this is the week for freak-outs.  I had one two days ago about money because I have to start paying another student loan off and that put a serious dent in my wedding savings plan.  But it will all get figured out in the end.  And we both have a year and a half to save up. 

    We did both agree that we are not going to spend any money we don't have.  So i think this long engagement is ideal in a way.  We can pick up things here and there, save money every week from our paychecks and put deposits down when we can. I really don't know if our parents are going to help out yet. We need to have that Talk ASAP. 

    If you want a big wedding, maybe push the date back so you can save more $$?

     
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    bhs133    September 3, 2011  

    @sorrycharlie: Cool

    It would be awesome to pay for it but liquor and beer gets exxpensivve. My friend ended up paying over $15,000 just for the bar! WHHAT? Yeah right, no way. I can't even have my wedding be over 10,000 total and praying we can go somewhere for a honeymoon. 

     
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    Scottielass    July 3, 2011   Westerville, OH

    I so feel for you.  We actually just canceled our venue and moved the wedding to the family farm 1 1/2 hours away.  We cut our invitation list down from 200 to 75 (only immediate family and our closest friends. No cousins, no friends of family, etc.).  We are doing a gourmet bbq instead of catering. It was a shock to face giving up what we had been planning for months, but now I have embraced the small, less expensive wedding (with a lot of emotional support from the hive.  thanks bees :).

    What is most important is the marriage.  While a wedding is an amazing celebration, it is only the first day of the rest of your lives as a married couple.  Do what will make you both happy and what you're comfortable with $-wise.  It's your day and no one else's.

     

     
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    blu77    October 2011  

    You are right to not want to take on additional debt if you can help it. 

    Did your family give you the money thinking they were entitled to add guests? some do. It's time to have a talk with both sides and explain exactly what this wedding is costing. I completely agree with the person who said you should make a list with all cossts and then divide per person. Present that to your families, it  may open their eyes. 

    And no matter what you do, someone is not going to agree. Hold your  head high and say "we're having a small, intimate wedding. it's what works for us" and don't let them get you down. 

    OH! and cash bar for sure. I've never been to a wedding where I didn't expect to pay for my drinks!!

     
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    Miss. Meeps    May 11, 2012   Pittsburgh

    we are paying for our wedding and both decided we should get small part time second jobs during the week.

     
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    Ginger123    March 19, 2011  

    We are admittedly getting some help from my grandpa to pay for the wedding, but we started the whole process expecting to pay for the wedding ourselves.  Despite grandpa chipping in, I have largely stuck to the same budget and kept the same ideas.  The only thing we've added is a few paper goods, some professional bouquets, and a few hours of videography to gift our grandparents with (who couldn't make it because of their health).

    We are having a small wedding of about 60 people.  We both come from families with big extended families who expect to be invited - especially FI's fam.  But we were able to limit the guest list by telling everyone we were "pseudo-eloping" and it was just for immediate family and friends.  Then we made an A list and a B list.  A list people got their invitations first, with verbal requests that they RSVP as soon as possible.  A few weeks later, based on the A list responses, we sent out B list invites in priority order.  

    I'm not going to lie, it was uncomfortable.  In my culture, weddings with 500-700 people are not uncommon.  But I'm in law school and he was studying for the Bar Exam and its what we had to do.  Whenever people tried to hint about the wedding, we would just say we were basically eloping with our family and that we had a very small guest list.  Usually they would just drop it at that point.

    We are only doing beer and wine and champagne toasts.  And we're totally okay with that. Remember, its a daytime wedding. We're serving lunch and a little cake and dancing and everyone should be headed home at 4pm.  You can tell people a full open bar just seemed unwise, given that its in the afternoon and it will just make them feel like lushes.  Don't even offer a cash bar - just offer what you want and stick to it.  Wine is PLENTY.

    In fact, maybe you can offer a lighter meal too.  Not less food, just something that isn't so heavy and dinner-like.  If you offered salad, rolls, a ham/turkey carving station and some simple sides (think brunch or picnic food), then it just wouldn't make sense to drink so much.  Punch and iced tea would totally be more appropriate for that menu.

    One last thing.  With regards to parents wanting to add a million people to the wedding list.  We told our parents that they were welcome to host their own receptions/brunches/open houses.  They could do whatever they wanted and invite whoever they wanted and we would show up, but we couldn't do more on our own dime.  Initially, both our moms took us up on the offer until my own mother realized what a nightmare planning a guest list was.  Once she realized how many people she'd have to invite and how much it was going to cost, she cancelled her reception.  HA!  We are still having another reception in FI's hometown 2 weeks after our wedding that his mom is planning and we are happy to show up.  Perhaps this is an option for you?

    Good luck!  And yes, like PP's said, pay as much as you can towards each thing early on.  All the money snowballs in the end and its way better to have paid as much down on everything as you go along.  Also, keep a "buffer" in savings in case you go over at the last minute.  

     

     

     
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    yassim    January 1, 2011   CALIFORNIA

    I have to pay for my own wedding too, and it's tough because I'm laid off! I still do work for my old company and receive unemployment. Basically I don't spend a penny.

    Also we had to move our wedding date to about 6 months from now to accommodate one of my parents who is ill. So there's not a lot of time.

    Basically here's what I'm doing... picked a venue with a WEDDING PACKAGE that includes everything even the tax and tip! Includes everything besides photographer and music!
     

    Don't spend a penny if you don't need to. I mean it-- don't even buy something that's $1 if you don't absolutely need it. It adds up so fast. Look around you and sell things you don't need. Offer your skills for money if you have any skills. I'd advise against a loan but if you need one for a few thousand I don't see what's so bad about that, but be prepared to pay it off with the money you receive as gifts so it would be out the door!

     

    And don't be discouraged by the suggestions for "oh have a photo booth" and this and that, you really don't need those kinds of things to make it special. It's the finer details that do, and fortunately those finer details can be hand made to save lots of money!

     
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    CanAmBride    September 25, 2010  

    Have you picked your venue yet?

    One of the best things we did is chose a venue that could only accommodate 110 max. This really cut down on any arguments about guest list size. After we invited immediate families (grandparents, aunts, uncles, first cousins), it only left us space to invite 60 more people (6 tables). It became really easy to see who is "in" and who is "out" from that perspective. DH and I each got 2 tables of friends (10 close friends + dates), and our parents each got one table of friends (closest family friends only).

    After that, we were maxed out. It put into perspective who was important to have there and who would have only been extras to fill space.

    Just a side note: our parents paid for the entire wedding and we had no budget to speak of, but DH and I decided early that we only wanted the closest people in our lives at our wedding, and this was the best way to do that. Also, I was still extremely frugal throughout the whole process just because I hate spending unnecessary money, even if it's not mine.

    We left out a bunch of things that some people would feel are "must haves" because they weren't important to US. I think that's where you need to start. Figure out what's important to YOU and cut out everything else!!!

     
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    HappilyEverAfter54    June 23, 2012   Central Pennsylvania

    I feel for you, no one is helping us either and we live very very paycheck to paycheck! I think my grandmother offered to pay for my hair and nails for the wedding day, thats all the help I'll be getting period.

    Our budgets $5000 and Im still at a loss of how were going to come up with all that even with a year to do so... 

    I'm scared people are going to hate our wedding because it's not fancy =( were positive we want liquor so we HAVE to find a venue where we can bring our own because open bars are a money suck!

    With 100 people left on a guest list originally closer to 170 I'm really get flustrated by people inviting themselves as well... I wanna yell "look I already cut people who I actually see once in a while". 

    I feel like im turning into a bridal nightmare but I just get sick of people offering up clever ideas especially about venues 'that are oh so beautiful' and only $2500 for everything! Psht... everything but the food, the attire, the decor and the entertainment! People really don't understand the huge costs of everything that comes after the venue...

    The credit card deal is a tough one too... we took out a card with my fiances awesome spotless credit and we still got a $500 limit... sigh I don't want to be paying that off forever either.

    If you figure out an easy sollution please share it with me XD

     
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    Mrs. Louboutin    July 2010  

    First, if your parents or FI's parents are not heavily contributing financially, they do not get much of a say in the guest list.  Aside from that, I want to share with you what I learned from my own wedding in hope that it might help put to rest some of the feelings that you may be having. 

    Looking back on my wedding, I realize that so many of these things that the girls on this board post about debating on back and forth prior to their wedding are completely insignificant. 

    I was married last summer and had a $100,000 + wedding that my parents paid for completely.  Here is my advice.  Unless someone is paying for that kind of thing for you, don't even think about it or feel jealous, since it doesn't matter.  Looking back, while I liked my wedding, none of the details mattered.  The only part that was truly special was when we said our vows and our honeymoon, which was much needed after all of the stress leading up to the day. 

    No one remembers your decorations, no one remembers what shoes you wear, how many appetizers were served during cocktail hour... no one remembers the details.  They remember whether or not they had fun and how happy you two looked together on your special day. 

    The worst thing you could possibly do is to go into massive debt for a wedding or give up something as important as your honeymoon (or scrimp on it) because you feel like you have to in order to please everyone around you.  It just simply isn't worth it.  During the planning stages, when you read through this site or Stylemepretty.com, etc, you see all the pictures of the decorations and little details.  This isn't realistic.  Sure, brides who spend top dollar want pictures of the decorations and details such as these, but these are not the pictures that are framed.  The pictures that are framed are of those PEOPLE and MOMENTS (not decorations) who are most special on that day.  The decoration pictures are only used to then show off on blogs and sites like this.

    I totally understand how wrapped up you can get when planning about the details, how envious you feel when so many others you know get lavish weddings that they don't even need to contribute a dime to, but in the end none of it matters (unless you get stuck with a big bill to pay off for months and months later).  I wish I had someone who could have told me this and get it through my head before my wedding if only to alleviate some of the stress.

    It is YOUR day.  YOUR one day to start your new (hopefully debt free) life with your soon to be husband.  Nothing else matters. If family is pressuring you to do something you don't want to, kindly let them know that it is your day and while you appreciate their opinion, you will decide what you want to do on your own. 

    I cannot emphasize enough that all the time spent planning the little details simply just doesn't matter after your wedding.  That isn't what you remember.  It's funny how we can get so wrapped up in the details for the reception, but in the end, the most memorable moments are actually during the ceremony.

     
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    babydollgirl    January 20, 2012  

    Whatever you do, DO NOT go into debt for 1 day!!! It's you wedding day, it's supposed to be about 2 people declaring their love not about the guests having a good time. While we all want people to have fun at our weddings there has to be a limit where you say no I don't care. Go with the cash bar and spend only what you will not regret later.

     
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    FireflyT    June 2011  

    Thank you to everyone for your input!  It has helped me to put some things into perspective and I appreciate you all taking the time to reply here :)  Thinking to past weddings I have been to I agree that I mostly remember the bride and groom themselves and being with family and friends more than I can remember the decorations and food they had.

     

    My fiance and I decided we don't want to take on debt for the wedding so it has really has been about cutting the guest list. When a friend or co-worker that isn't going to be invited starts asking me about the wedding I immediately tell them it is going to be very small with mostly just close family. A few have seemed a bit hurt but I think they understand for the most part. I've decided its best to just not bring up the wedding with people I don't plan to invite, and to try and change the subject when asked about too many details of it.

     

    We have come up with a plan involving working overtime, selling some stuff we have and not buying a lot of "extra stuff" like clothes, electronics etc until after the wedding. I worked out the calculations and as long as we can keep up the overtime we should be able to afford everything out right.

     

    Today we went cake tasting at a bakery that is very well priced. The cake tasted fairly good and although the cake design is on the simple side I think it will be pretty. I know if we spent a ton more we could have got a nicer cake but in the long run I don't think it would have been worth it. We are mostly going the middle route, something nice but not over the top fancy and lavish, I think it will be ok.

     
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    Ginger123    March 19, 2011  

    Atta girl!  

    We did the same thing with regards to going middle of the road.  The things we splurged on we offset with cheap other things so that it would average out. (i.e. I got pro bouquets from a florist I adored bc they would be in all the photos, but am going with DIY centerpieces to average out).  

    You're going to be SO happy at the end of the day if you stick to your guns.  Nothing sucks more than spending all that time, money and stress on something you didn't feel was true to you.  

    Also, like the PP said, even if its nearby and not very long, DO go on some kind of a honeymoon.  We're driving an hour away to wine country and staying at a relatively inexpensive timeshare for 4 days.  I said we could skip it and save the money, but the fiance was right - if we don't give ourselves a few days to just be alone and relax and let everything sink in, we will regret it.

    Good luck girl!

     

     
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    FireflyT    June 2011  

    Thanks Ginger123 :)

     

    I saw you are from Davis, I am a UCD Alumni :)

     

    Yeah I hope we can do a small honeymoon. Wine Country has also crossed my mind (we are in the Bay Area) or Hearst Castle or Monterey.  So I hope we will be able to do one of those things.

     

     
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    Ginger123    March 19, 2011  

    @FireflyT: How funny!  Yeah, I'm finishing up law school at UCD.  I loooove the Central Coast! We're getting married in Marin, so it made sense to just nip up there after the wedding.  But I love the area near SLO and its so affordable (well, compared to the Bay Area).  Laeticia Winery on the 101 near Pismo Beach is my favorite winery (their Pinot Noir is to die for).  Cass House in Cayucos is a tiny restaurant inside a beachfront B&B and they have one of the best tasting menus I've ever had for half the price of Bay Area restaurants.  And I love the Cliffs Resort for accomodations - it has amazing ocean views.

    Hmmm, now I wanna go to THERE for my honeymoon!  :)

     

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