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Accumulating debt can come in a number of ways, but couples can
sometimes create their own problems by blowing their budget on a
wedding.
Couples often justify the extra debt as being part of the one day they
will remember the rest of their lives. But there are ways to stay on
budget and not skimp on your wedding day.
Here are a few tips:
- A rule of thumb is to spend two months' salary on an engagement
ring. But for most people, two or three weeks of salary will buy very
nice jewelry. Or you may have a relative who has a nice piece of
jewelry they don't wear and may be willing to give it to you as a
wedding gift.
- Wedding gowns can cost hundreds of dollars for a dress that will be
worn once. Wedding gowns rentals begin at about $100. For a few
dollars more you can rent a much nicer gown than you can buy.
- Photography can be expensive. If you don't have a friend or relative
who is a photographer, consider hiring a professional for only the
formal shots and have friends take reception photos. Or have
disposable cameras at each table and let your guests be the
photographers.
- Schedule the reception during the day. People tend to eat and drink
less during the day. And brunch food costs less than dinner.
- DJs cost less than live bands and can provide a wider range of
music. DJs are also accustomed to working receptions and can serve as
the Master of Ceremonies.
- Decide in advance what your wedding and reception budget will be and
vary as little as possible from that number. Be wary of aggressive
sales people who say it's okay to splurge.
Consumer Credit Counseling Service is a non-profit agency that can
help clients manage debt by setting a budget and payment plan. CCCS
helps thousands of its clients decrease interest rates, stop late
payment charges, stop over-the-limit fees, extend credit terms and
stop creditors from calling their home. For more information, contact
CCCS at (800) 821-4040 or visit www.cccssavannah.org.
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Don't get the Wedding Woes
Accumulating debt can come in a number of ways, but couples can
sometimes create their own problems by blowing their budget on a
wedding.
Couples often justify the extra debt as being part of the one day they
will remember the rest of their lives. But there are ways to stay on
budget and not skimp on your wedding day.
Here are a few tips:
- A rule of thumb is to spend two months' salary on an engagement
ring. But for most people, two or three weeks of salary will buy very
nice jewelry. Or you may have a relative who has a nice piece of
jewelry they don't wear and may be willing to give it to you as a
wedding gift.
- Wedding gowns can cost hundreds of dollars for a dress that will be
worn once. Wedding gowns rentals begin at about $100. For a few
dollars more you can rent a much nicer gown than you can buy.
- Photography can be expensive. If you don't have a friend or relative
who is a photographer, consider hiring a professional for only the
formal shots and have friends take reception photos. Or have
disposable cameras at each table and let your guests be the
photographers.
- Schedule the reception during the day. People tend to eat and drink
less during the day. And brunch food costs less than dinner.
- DJs cost less than live bands and can provide a wider range of
music. DJs are also accustomed to working receptions and can serve as
the Master of Ceremonies.
- Decide in advance what your wedding and reception budget will be and
vary as little as possible from that number. Be wary of aggressive
sales people who say it's okay to splurge.
Consumer Credit Counseling Service is a non-profit agency that can
help clients manage debt by setting a budget and payment plan. CCCS
helps thousands of its clients decrease interest rates, stop late
payment charges, stop over-the-limit fees, extend credit terms and
stop creditors from calling their home. For more information, contact
CCCS at (800) 821-4040 or visit www.cccssavannah.org.
