Post # 1
These last few weeks have been pretty stressful for us money wise. Now that we’re just about 3 months out from our wedding, a lot of our larger payments are coming due so we’re trying to figure out ways to pay everything. We can cover the payments but by doing so we’re seriously depleting our savings. I’m not too worried about it since I know that we’ll be getting money for our wedding (I know we shouldn’t assume we’re getting anything but I know for a fact that a number of family members are giving us generous gifts) but it’s hard not seeing those funds in our accounts right now.
My parents are paying for our ceremony and reception but they haven’t given us the money yet. Apparently when my mom was married (like hundreds of years ago) my grandparents didn’t give her their contribution until right before the wedding. It worked out fine for her so she assumed it would be fine for us, too. I’m not angry that they’re waiting to give us the money. I’m thankful that they’re giving us anything to begin with but it is stressful having to pretty much pay for everything upfront only to get “paid back” weeks before our wedding. Because of this we’ve really had to prioritize the things that we have to pay for.
Our wedding bands have always been that one detail that I seem to leave off of the budgets that I make. I don’t know why I always forget about them but I do. We’re not getting anything extravagant by any means. My e-ring is big to begin with so my wedding band will be on the smaller side and FI’s want a simple, cobalt band. Combined, I’m hoping to keep the bands under $500. When we bought my e-ring it took about a week for it to be ordered, sized and in FI’s hand so I’m assuming our wedding bands will follow a similar schedule. We’re thinking about holding off on buying our bands until the month before our wedding when we get my parents contribution. I realize $500 isn’t that much money but when we have to pay a decent sized chunk to our venue as well as pay off our Honeymoon all in 1 month, $500 seems like thousands.
Has anyone else held off on buying their bands until right before the wedding? Did it work out in the end or were you chasing down your jeweler?
Post # 3
We are 5 weeks out, picked out our bands lastweek, and they were finished yesterday, if that helps. If you’re not getting anything complicated, bands don’t really take long at all.
The money situation sounds frustrating – could you talk to your parents and let them know about the money stress? Do you have a line of credit or credit cards you can lean on?
I know it will all work out for you…. 🙂
Post # 4
Can you maybe find bands you like now and put them on layaway?
I’ve never used layaway before, but we did this with our bands since a) they are a big expense, b) we didn’t want to have them at home until JUST before the wedding c) we didn’t leave it until we could afford them in full.
It worked out great for us. We put down $50 -$100 a week. They sized them for us before picking them up too.
At least this way you can get the ball rolling and pay at the last minute w/out trying to look for rings @ the last minute.
Post # 5
This is what my Future Mother-In-Law is planning on doing also (waiting til right before to help with anything) so I understand some of the stress. Can you maybe ask your mom if she can give you a portion before because of all the deposits that are coming due? Maybe just like a quarter of it or something so that way you aren’t so stressed.
Personally, I wouldn’t chance waiting til the last month to get our wedding bands. I’m too much of a pessimist and I’d be in a constant panic that they wouldn’t come in on time.
I bet, if you just explained to your mom that everything is due before the week of the wedding she might be understanding and at least give you something to help out…maybe? lol
Post # 6
Could you ask your parents to pay you the money in installments? Perhaps she doesn’t realize how stressed out you are. Just have a simple conversation with them about it. They are your parents 🙂
This is what my parent’s did. They told me they were going to give me about 4k total for the wedding, so now, whenever we have a big expense that we need to pay, I jsut g ot to my dad, and ask for another installment. So far, he’s given me half. I’ll ask for another one in about a month, when my last payment on the venue is due, and then probably 2 weeks before the wedding, when I need to start paying vendors.
Post # 7
I realize there is some stress, but I wouldn’t be comfortable telling someone when to give me a gift
Post # 8
Can you get a credit card? Since you know 100% that you’ll recoup the money that seems to make a lot of sense in this case. You’ll have enough up front money and then can immediately pay it off after the wedding.
Post # 9
My wedding band took two weeks to be sized, I would rather get the rings earlier and not have to worry about them. Do you have to pay all your vendors in full right away? Alot of my vendors accepted a deposit and didnt expect full payment until 2 weeks before, is it possible for you to just pay partially for some of your vendors so you can get the ring sooner and then pay the vendors closer to the wedding dates
Post # 10
I’m at work so I apologize in advance for my lack of specific replies…
Unfortunately, the money that my parents are giving us is in CD that doesn’t come due until September. If they try to draw on it early they’ll be penalized which is something that my mom’s not willing to do. I plan to talk to her about my stress level this weekend but I doubt it changes anything. Maybe they could help out with a few things here and there and then just deduct that from the total we’re being given but I’m honestly not going to hold my breath.
I like the layaway idea. Maybe we’ll do that. I mean, $500 really isn’t very much. We could pay it now but with everything else coming due, I’m really trying to pick and choose the things I shell out for.
On a sort of related note, anyone know of any sales happening in mall jewelry stores in the next few months? I’m just looking for a simple, preferably ½ ct prong wedding band in white gold.
Post # 11
@UpstateCait: Have you looked at Zales? I was looking at really simple white gold bands with the small diamonds around it, and they were in the $250 range. The Fiance looked at plain white gold bands that were about the same price.
Post # 12
We’re pretty strict when it comes to using credit cards. Basically, we don’t use them unless it’s an emergency and this isn’t an emergency. It’s been really important to us to not go into any kind of debt for our wedding and we plan to keep it that way. Using credit would definitely be the easy way out but I can’t bring myself to do it.
As for the vendor deposits, most of them are due either 2 weeks before or the day of but we have a lot of other things that we have to pay for too. Ugh, I was really hoping to get through this experience with minimal stress but the whole money thing totally sucks.
Post # 13
@Bostongrl25: I haven’t looked recently but thats where my e-ring is from so we’ll more than likely get our bands from there too. Hoping they have a sale soon!
Post # 14
My wedding is next week and we bought our bands this past weekend. Everything should be to us on Friday. I think it should be fine.
Post # 15
I think layaway is a great option. Or even just if you find something you like in a store, talk to them, explain your situation. Maybe you can pick it out and have them tell you how long it will take to come in. Then either when that time comes or you have the money, they can order it.
Not sure your ring size but I was able to walk out of the store with my ring since it’s a pretty common size (6). And we ordered DH’s ring from http://www.TitaniumKay.com and it arrived less than a week later.
Post # 16
At Zales, you can actually just put down a deposit and your next payment isn’t due until 60 days later, which means you could reserve them at least, and then have a little less stress surrounding it.