(Closed) Unforseen Circumstances…how to pay for wedding?

posted 6 years ago in Money
Post # 3
Member
3261 posts
Sugar bee

I think the things you proposed are a great start (asking FIs parents instead of a bank, putting a few things on the credit card, asking vendors). How much is it going to cost to be a bridesmaid in the other wedding? Is there a way you can bow out if its too much financially?

Post # 5
Member
1446 posts
Bumble bee
  • Wedding: May 2012

@Miss Orchard:  I think your plan sounds like exactly what I would do. Are you guys getting a tax return back? Can you donate plasma? That may be extreme, but where I live you get $200 a month. I sell CDs, DVDs, and books back to used book stores sometimes for extra cash. I also babysit on the side which brings in a little extra money. I’m so sorry you guys are going through this!

Post # 7
Member
8 posts
Newbee
  • Wedding: June 2012

I would speak to your bank than use credit cards. You should pay less interesst and it will help your credit file for when you want to buy a house. I had to take out a loan to pay the rest of mine off (We saved more than half on our own) as it was becoming a big strain each month to give every single penny when we could spread the cost over a longer period.

Honeymoon wise I have asked my guests for holiday vouchers for a specific holiday company or cash gifts and Im going to book a late deal 2 days after im married. It means your choice might be limited but will definatly help your budget!

Also why dont you look for your Bridesmaid or Best Man dress on ebay? I paid for my Bridesmaid or Best Man dress’s and for some of mine I found the dress they were going to wear  in a shop and looked on ebay until someone was selling the dress I wanted in each size (April time would be perfect to start this as the wedding season would have started. And then after you have worn it sell it back on ebay!!)

You can also do Mystery Shopping for extra cash. It doesnt pay brilliant but if you do it on a food place then you have eaten and gained some cash! Google GAPBUSTERS, I have done work for them in the UK but I know their world wide and should operate in the US 🙂

Good luck!

Post # 8
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

We were in a somewhat similar situation. All the contracts had been signed, everything was good to go, but then my father was laid off. I was no longer comfortable taking the original amount he had offered us for the wedding, I just couldn’t do it.

We sold all kind of things on Amazon: books, dvds, random things laying around the house we never used. I think our DVD collection (really, how often do I feel the need to bust out 8 seasons of family guy?) alone netted us almost a grand. In the end, we put about $4K on my credit card. I paid off most of it with our tax return and transfered the rest to another card with 0% interest balance transfer offer and should have it paid off soon.

Post # 9
Member
663 posts
Busy bee
  • Wedding: June 2017 - Vegas Wedings

I was going to say what Redhairedbride:  said about the personal loan from your bank or credit union. It will give you a lower interest rate and be better for your credit. PLEASE please dont use your credit card unless that is your only option. Those rate are not competive compared to small bank loans.

Post # 10
Member
2854 posts
Sugar bee
  • Wedding: May 2012

I have a few friends who go to yard sales and buy lots of movies, etc and then sell them on ebay/amazon. 

Talking to vendors to change options is a good idea – maybe you can cut a food or drink or linen option. Is a second job completely off the table per your injury recovery/compensation?  Can you cut back cell phone plans/cable/etc?  cut back on insurance coverage (ONLY) if you’re no longer driving your vehicle?  Even a few hundred $$ will be less that has to be paid back.

Post # 11
Member
786 posts
Busy bee
  • Wedding: December 2014

I think its a good idea to ask your FI’s parents or your parents for a small loan, as opposed to going to the bank or credit cards. That way you would not be paying interest and (hopefully) there would be more flexibility in paying them back (i.e. you wouldnt have to start right away with payments if it wasn’t feasible…if you were struggling one month, they would be able to give you a break on the payment until you could pay it…etc).

Post # 12
Member
2584 posts
Sugar bee
  • Wedding: June 2012

It sounds like you’re already doing a lot to make things work. If his parents or yours can afford to give you a bit of a loan, I would explain the situation and ask.

Also, you mentioned being a Bridesmaid or Best Man… how much do you think that will cost? My BMs are spending $200 on their dresses and they won’t have to pay for anything else at all, I’ve told them I don’t want them to. If the bride in that wedding expects you to pay for the shower and bachelorette or anything, maybe explain to her the situation as well and tell her you can’t afford to do more than buy the dress and show up right now. I think most brides would be understanding and helpful if their friend is in a tough spot.

Post # 13
Member
3461 posts
Sugar bee
  • Wedding: May 2012

Good previous suggestions.  Cut back on the grocery budget – look at threads here regarding coupon clipping.  Boston doubles coupons, so it can be worth it to pay attention to this.

Donating blood for money is illegal here in Mass I think 🙁  But you can do research studies for cash. 

Also talk to a temp agency to see if you can get a few weekend hours maybe?

Talk to your friend, she may be more understanding than you think and be able to cut back on what is expected of you.  Maybe you can host the shower at a house/apartment instead of a restaurant or snag some groupon deals for the bachelorette party.  Ask her if you can do your own hair/makeup/nails.  Every bit helps!

Post # 14
Member
6124 posts
Bee Keeper
  • Wedding: August 2012

I am so sorry you were hurt.

 

Are you pretty set on continuing with the tpye of wedding you have planned as is?  I’d have to reconsider my venue, my guest list and maybe even go to a restauarnat for a reception or even a private wedding, but that is me.  I would not go in the whole for my day.  That is a significant amount without having any back up funds either for another unexpected expense.

Post # 15
Member
1271 posts
Bumble bee
  • Wedding: June 2012

I know you said that you are out of work because of an injury.  Does that leave you incapacitated?  If not, I would consider registering with care.com for housesitting/petsitting/babysitting jobs.  I have hired providers from that site and it is a fantastic resource (and they get paid very competitively in cash).

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