Wedding Help

theoretica

Have you asked any of the people you have paid deposits to if they would accept payment in instalments? Hopefully you can use some, if not all of the deposits. Can your mother help with the finances and you repay her heirs? Do you have a chance of getting a loan in your name? Is there anything you can sell?

Oh, and why if you can save £10k in a year were you looking to borrow it over 7 years?

bouncydog1

Out of all of the weddings we have been to over the years, the one that I remember and enjoyed the most, was for the couple who didn't have a lot of money and did everything themselves with the help of friends.

One made the dress, another the wedding cake, someone else the invites and orders of service. Another friend persuaded parents to loan classy cars. Reception was at a local hall set in beautiful grounds, where another friend did the photos.

The best thing about the wedding was that everyone who was invited had contributed to the occasion - it was unique - a much nicer day to remember than the luxury ones that cost £20k+ where it seems everyone is trying to out do each other - who gives the best present, who has the best outfit, which children are the best behaved etc.

Your mum couldn't care less about how much it costs - she wants to see you happy and settled. The best thing you can do for her is show her how well and sensibly she has brought you up by refusing to get into 7 years of debt for one day!

katsu

some MS tips from my wedding.

I shipped my favours, wedding stationary etc in from abroad as the exchange rate was very good - you could see if there are options anywhere suitable? I ordered mine from the US but don't think it would be worth doing that now.

I had my reception in a nice hotel in a rougher area - the guests were indoors all night not out wandering the streets

I agreed a good price for a buffet and had an afternoon wedding so only needed to do one meal for all the guests.

We used a nice clean car belonging to a friend - not wedding coloured but smart.

Tips like these, and many others, may help you make this manageable on a smaller budget.

Just remember, your own wedding is always the best wedding you'll ever go to.

Best wishes.

BLT_2

mrst2b wrote: »

Hi Guys,

Right this is how the situation goes my partner has applied for a 11k loan over 7 years but been rejected, with 1k he was going to consolidate an existing loan the other 10 is to pay for our wedding, please I know this is a lot of money but we would have easily saved this by next year which is what we were hoping to do, unfortunately my mom has been diagnosed with terminal cancer so we want to bring the wedding forward why she is still fit and able.

We have his credit files and there is nothing wrong with them, there were 2 defaults on his bank account back in 2007 when he was made redunant but nothing else, other than 3G spelling his name incorrectly.

Both Tesco and Lloyds (his own bank) have rejected the loan but we cannot understand why, he was accepted for 6.5k HP in oct and has been paying that with no problems, he will have over 700 pound a month disposible income after paying his other bills.

He has had 2 loans in the past which have been completely paid off with no defaults a current account and a bills account and a mobile phone contract.

I know alot of you do not agree to an expensive wedding but it is what we want and what we would have easily saved for by next year but the circumstances with my mom means we dont have time to wait and save.

Any idea who will accept him for at least a 10k loan even is it is a higher APR we want the wedding this year without any regrets by leaving it until next, please please help us, there has to be an :Asomewhere .

MrsT2B

With 700 pounds a month disposal income, how do you work out that you could easily save 10k in a year?

More importantly he was going to consolidate a loan for 1k, but has 6.5k HP elsewhere, which he has only been paying for 5 months. You are asking loan companies to provide you with almost 18k of debt without a flawless credit record. More importantly starting married life with 17.5k of debt doesnt seem that sensible to me.

vaporate

10k wedding is insane.

Spend alot less and spend the money you save on a decent cruise somewhere.

Sorry for your mothers health. Hope things improve.

serena90

Please, please, don't go down the expensive wedding route.

We couldn't afford a big wedding, but with the help of friends and family and a great deal of resourcefulness, we had a Wedding Day to remember. We managed to arrange it really quickly as well, as we had been determined to complete on the purchase of our first home before 'Naming the Day'.After we'd done that, we didn't want to hang around! Mum and Dad couldn't really afford much; Dad had only just been diagnosed with a debilitating condition which had forced him to give up work, and so their life savings were needed for the uncertain future which lay ahead.

I'm so sorry to hear about your Mum. She's not going to want a big long day of it.I'm sure that the ceremony and afternoon reception will be more than enough for her if she's so unwell.

I can't tell you how much our wedding actually cost us, but even with inflation, it would have been a mere fraction of the outlay you're considering.

We celebrate 27 happy years on Friday. The sun shone for us on that day back in 1983 and we were surrounded by those we loved. Now I look back with fond memories on a beautiful day, and look at all those wedding photographs of me standing with my mum and dad , wishing they were still with us. Make it a day for everyone to cherish, and not one that you'll still be fretting about for a long time afterwards because it ended up costing you more than you could afford.

My very best wishes to you all xxx

Jon_B_2

Don't go for an expensive wedding on credit.

I'm having an expensive (£13k) wedding at the end of the year, however all of it is through savings.

Don't let such a momentous moment leave a bad taste in your mouth.

If I was you, i'd have a cheap one now so your Mum can be there and then if you feel so inclined renew your vows debt free in 10 years or something.

I just can't help thinking you'd be making the whole marriage a larger tribulation than it already is!