I have a car that i owe money on of which the APR is 27% and i owe $7,800 (i know my credit was bad when i got it but it's way better now). I spoke to someone from the credit company & they told me i could pay off in Sept with $6,600. My future husband owes $5,000 on his car & i'm planning on paying off either one of the cars. Note: my car payment is $260/month & his is $420/month but his APR is 5%. Which car would be smarter to pay off?? We're getting married in Sept but because we want to pay off debt we can't afford to spend alot on the ceremony. The most we can spend is $2,500 aside from the help that both our family's are willing to help us with. What would be the best way to plan the ceremony?? what are your suggestions?? Our budget is limited but my family is willing to pay for the food & decorations & his family are willing to pay for entertainment so at least we want to have pictures taken & a video at least. Wdding will be for party of 50. HELP!!
2007-05-21 07:56:04 · 8 answers · asked by Anonymous in Family & Relationships ➔ Weddings
Because cost is such a high consideration and weddings in general are notorious for skyrocketing budgets, keep your budget number one. If you've set aside x-number of dollars for the wedding, don't go a penny over -- you have your whole future to consider, after all! Consider trade-off's -- for food, do a buffet over a sit-down; don't bother with favors (no one really remembers them anyways); pay for a professional photographer, but have a friend do the video (or vice-versa if video is more important). If you're having it at a rented venue, pick a place where September is an off-season month, and look at doing a daytime wedding on either a weekday or a Sunday; weekends and evenings are most expensive. If your hubby-to-be has a nice suit, have him use that instead of renting a tuxedo -- I've seen beautiful weddings where the groom just wore a lovely dark suit and a white silk tie. Instead of getting a traditional wedding gown, department stores have lovely, simple dresses in their formal wear area that are a fraction of the cost of a dress you'll only wear once. If you've had your heart set on that satin ballgown, go to consignment stores or look for trunk sales by wedding dressmakers. Online is an option as well; try on a dress at a wedding gown store, make note of the size, designer, etc., and then look online for it -- my friend saved over five hundred dollars when she did just that. Make your own bouquets of flowers that are in season, or choose something different, like a single calla lily. Instead of elaborate centerpieces, use gatherings of tealights -- you can buy the holders and tealights in bulk online or go to IKEA. Don't get an elaborate wedding cake; pick a simple, tiered cake that doesn't taste like cardboard and use flowers in your color scheme to decorate it simply and elegantly. Don't hire a DJ -- make playlists on an mp3 player, use/borrow good speakers, and just have that as your DJ for the reception. Weddings are so overdone and laden-down with excess; the simplest ceremonies and receptions have been the most memorable and enjoyable because it didn't make it all feel like a big floor show. And just remember, whatever you have to sacrifice for the sake of budget, put it on the list for the real celebration down the line: anniversaries!
2007-05-21 08:26:26 · answer #1 · answered by denise25 3 · 2⤊ 0⤋
Hey, I hear you! I am planning my own wedding. We have went from an invite list of 500 down to 225!
We were suppost to be married this summer, but decided (a few days ago) to postpone until next summer so that we will have more money AND MORE TIME!
I have found ways to get my minister and ceremony site free
my photographer is charging me $600 for 3 hours, 125 picture in an album, and the proofs on disc so that I might edit and print more myself (always ask for your proofs!)
My Dj is free, I just have to rent some equptment and that is only costing around $100
My food costs are quite low as well, and my reception hall cost isn't bad either!
My bar, with bartenders and alcohol will only cost me $100
(although I am not sure I am going with that because I have been given an idea that is MUCH cheaper than that for alcohol)
If you would like to chat with me about htis I would LOVE to give you some pointers! Just click on my name and contact me
2007-05-21 17:24:39 · answer #2 · answered by stangwoman 3 · 1⤊ 0⤋
First of all, I commend you for wanting to pay off your debts and for setting a modest budget for your wedding.
Consider an intimate family wedding open only to your parents and siblings. This can be in the back yard or in someone's living room. It's not WHO watches you exchange vows. It's THAT you exchange vows.
Serve cake and punch.
When you have paid off your debts and saved some money, THEN have a "celebrate our marriage" party and invite the 50 guests.
PS do it this way and you'll actually get a chance to enjoy the party!
2007-05-21 15:48:04 · answer #3 · answered by Barbara B 7 · 1⤊ 0⤋
First of all, you two are each not great financial shape, but should not accept money for your wedding - you should be paying for it yourselves, and having only the type of wedding you can afford. Simply put, you can't really afford much.
Have your ceremony in a church or elsewhere with just a jp, then just a very simple family dinner. Don't bother with anything else - what's important is the marriage.
Get your car paid off first - that's just a bizarre interest rate for a car loan, I've never heard of that. Probably the best thing for the two of you is to get a consolidation loan once you are married, since his credit must be better than yours.
Good luck, and use your heads!
2007-05-21 16:15:49 · answer #4 · answered by Lydia 7 · 0⤊ 3⤋
refinance your car and make the biggest payments you can on both of them to bring the balance down. we were married in a civil ceremony ($125.00) at county clerk's office. We had a back yard BBq reception for 60 guests ($1,000.00) Which included rented tables, chairs, linens a grill and real china and silverware. Flowers were from the farmer's market in vases from the dollar store. ( $3.50 per center piece )Disposables are less expensive. A friend manned the BBQ we had steak, sausages and chicken with three salads and a wedding cake. Congratulations & Good Luck to you both
2007-05-21 15:11:56 · answer #5 · answered by lemonlimesherbet 5 · 1⤊ 0⤋
My husband and I got married 5 months ago and spent a total of $3500.00 on the entire wedding including the dress, photographer, cake and flowers. Check www.theknot.com and www.weddingchannel.com for sales they have great sales on everything you will need for the wedding. Also, consider getting married outside at a family members home... hiring a minister is cheaper than renting a chapel. Even renting a ballroom in a hotel could save you $.
2007-05-21 15:31:07 · answer #6 · answered by texascutie 2 · 1⤊ 0⤋
Pay off the higher APR. It's just flushing money down the toilet.
2007-05-21 15:14:07 · answer #7 · answered by duritzgirl4 5 · 1⤊ 0⤋
Just llok around, we pulled of our wedding for 5000 and that was paying everything ourselves with 175 guests
2007-05-22 00:13:42 · answer #8 · answered by Calebs Mummy 5 · 1⤊ 0⤋