(Closed) Need help with budget!

posted 8 years ago in Money
Post # 3
Member
8353 posts
Bumble Beekeeper
  • Wedding: March 2011

Congratulations on your upcoming wedding and welcome to the bee 🙂

I don’t suggest taking out a loan or using credit cards. You don’t want to go into your marriage with extra debt. weddingchannel.com has a great budget calculator. They are currently doing maintenance on their site, but I suggest checking it out. Also, Quicken has a great money management program. They have a free one, but I use the deluxe one. It has helped us immensely.

Post # 4
Member
101 posts
Blushing bee
  • Wedding: March 2011

Maybe you can hire an officiant/someone ordained to marry you on 11/11/11? A friend of mine hired someone to marry her and her Darling Husband and they’ll be having their “real wedding” next sept. 

Post # 5
Member
369 posts
Helper bee
  • Wedding: April 2011

As the other posters wrote, hire an officiant or ask a friend to become a licensed officiant (that is even kind of trendy among the wealthier folks.)

Or . . . forgo the fancy date. What’s wrong with 11/12 or 11/3?

Post # 6
Member
1871 posts
Buzzing bee
  • Wedding: February 2011

A few suggestions, but first, I’m with Noritake22–I wouldn’t want to start a marriage with a bunch of credit card debt. I don’t think a wedding is worth that. First of all, forget about what your friends had or did because you don’t know their financial ins and outs (and even if you THINK you do, a lot of people lie about that stuff–especially if they did, in fact, take out a loan or have new cc debt).

By the way, we had our wedding in a public park instead of JOP because we wanted 10.10.10, which was a Sunday. The officiant was a friend (whom we paid for to get liscensed with the city–I forget how much, but I want to say somewhere around $50); the cost was $30 for the permit and it was a beautiful setting. So you don’t need to do it at City Hall.

You can do a wedding under $5K in a major city, but you will have to change your overall conception of what it will be like. A 300-person affair at NYC’s Tavern on the Green is not happening. But a cake-and-punch reception for 75 in a friend’s backyard is doable. The things that tend to have the greatest effect on budget are: 1) guest list 2) venue 3) food. So compromises in one of those three areas will generally save you the most–slashing your guest list by 20%; having lunch instead of a sit-down-dinner; looking into getting park permits and/or using state/municipal recreation centers and parks will be cheaper than a hotel. And restaurants sometimes are cheaper because they give you two things for the price of one: venue and food. You will have to make sacrifices in some areas to achieve what you want in others, so establish early one 2-3 things that are the most important to you and commit to putting your funds into those things and taking them out of others.

There are many blogs about there about people planning their weddings with modest budgets, but here are a couple that I really liked:

http://2000dollarwedding.com/

http://tenthousandonly.blogspot.com/ (she ended her blog, but all the posts are still there. She had a budget of $10K, but there’s still some good info on there)

Post # 7
Member
3526 posts
Sugar bee
  • Wedding: August 2010

If you are thinking the courthouse route and won’t bend on the 11/11/11 date getting a friend/family member ordained is a great idea. We had a friend get ordained and marry us and it was one of our best wedding decisions honestly.
She got ordained online through Universal Life Church Monastery and it’s completely free!

There is always room in everyone’s budget to cut down and save a couple bucks a week/month.

I think a 5K wedding is totally possible. But it’s dependent on what kind of wedding you want. If you want a huge lush extravagant wedding with 200+ guests then I will say 5K is probably not possible. But if you have a more modest guest list, something a little smaller and intimate.

What I’m trying to say is the first step in us helping you achieve a wedding for 5K is knowing what kind of wedding are you envisioning?

Post # 8
Member
232 posts
Helper bee
  • Wedding: December 2010

You can save maybe $10 here or there. Thats how we got the little stuff for our wedding. Also. you can ask family members to pay for certain items instead of giving you a gift. Like my grandmother paid for our flowers instead of giving us a wedding gift. Good luck and congrats!

Post # 9
Member
806 posts
Busy bee
  • Wedding: August 2010

You can hire a Justice of the Peace to marry you in a very small ceremony (even just the two of you at home) the same as they’d marry you at a big wedding.

Might cost more than the court house, but they should be able to do 11/11.

Credit card debt or a loan sounds like a very bad idea.  If you have nothing left after bills to save now, where will the extra funds come from to pay the monthly debt bills later?

People who pay for their weddings without going into debt are usually doing some combo of –

  • money gifted from parents / family
  • the couple’s savings account (that they tuck into for big bills like to pay the photographer or the venue)
  • the couple’s monthly income (buying little things here and there during the months of the engagement)

If none of the above are realistic for you- I think it’s very smart to do something smaller and more low key rather than trying to put on a $5k event.

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