help with debts (6months later)

Lisa1978

Hi all, sorry have been offline. thanks for all comments, which i really appreciate and take onboard ).

To clear a few things up, YES i HAVE paid off already the venue, photographer, dresses, hired suits, Evening entertainment, bought peoples presents, centerpieces, favours, hen/stag dos', honeymoon flights (as spotted by someone else, i did silly put on my CC before thinking about it as REALLY wanted to go to Thailand - hadn't even told finance that i was doing it, he wasn't too happy but it's booked now!). the £2200 left to pay is for £1k accomodation on honeymoon, £450 decoration & DJ, £150 wedding cake (cheap, norm £450-£600 average), 1 more bridesmaid dress @ £135, wedding rings £150 (for both, cheap), flowers £280 (norm 600) and hair/makeup on the day (friend doing makeup all for free). I know there are a few things there that people are going to say are a waste of money, but it's what we've been saving for and i have been making the minimum payments on all CCs and a little more on my main CC.

In my opinion it would be silly to cancel the wedding at this stage and it's the last thing i want to do! I feel that once wedding is over, come February we can start clearing between £800-£1000/month off my cards. At present i am clearing about £700 by myself.. so with husband helping me out it will be more like £900/month. Hoping to get cleared up by next Xmas!

Thanks xx

Lisa1978

LandyAndy wrote: »

Getting married costs very little.

Weddings can cost as much as you want to pay.

I totally agree, we could have got married for maybe a few thousand less (ie, not had the decorations/presents/centerpieces/honeymoon, and paid off my debts with it), but this for me is a once in a lifetime thing (i hope, ha) and i wanted to do it RIGHT and look back on it and enjoy our day.

I feel with us working 60-70hrs per wk that i deserve the day i want Selfish or not!!!

xx

Lisa1978

Name:_Lee wrote: »

Ask your wedding guests for money not gifts. If you have 100 guests and they give on average £50 that is £5k towards your debt/ wedding.

We are.. dn't want to 'ask' for a gift but our friends and family who have asked, we have said that we'd really appreciate a contribution towards our honeymoon.. so that will help out with a lot after the wedding xx

Verbatim

As the OP has already paid deposits etc, I would imagine, she'd lose those if the wedding were cancelled. She is obviously committed to the wedding at this stage. I am amazed and bewildered by the need to pay for 6 dresses and 5 kilts (!) presumably for bridesmaids and pageboys. Why so many? If these children are desperate to be involved can't their parents pay for their outfits?? Or just have one bridesmaid.

When we married I didn't see the point of spending huge amounts on one lavish day, although we had no debts. We had a memorable day but self-catered and organized our own reception, evening party and a children's activity too.

If you're thinking of a dmp that will scupper any hope of a joint mortgage with your husband to be for 6 years from the start. he could get a mortgage only as long as you have no joint accounts/financial products.

My advice would be to re-think the wedding, curtail the extravagance/honeymoon and use the money saved to pay off debts/put towards a deposit for a flat or house.

Lisa1978

Verbatim wrote: »

As the OP has already paid deposits etc, I would imagine, she'd lose those if the wedding were cancelled. She is obviously committed to the wedding at this stage. I am amazed and bewildered by the need to pay for 6 dresses and 5 kilts (!) presumably for bridesmaids and pageboys. Why so many? If these children are desperate to be involved can't their parents pay for their outfits?? Or just have one bridesmaid.

When we married I didn't see the point of spending huge amounts on one lavish day, although we had no debts. We had a memorable day but self-catered and organized our own reception, evening party and a children's activity too.

If you're thinking of a dmp that will scupper any hope of a joint mortgage with your husband to be for 6 years from the start. he could get a mortgage only as long as you have no joint accounts/financial products.

My advice would be to re-think the wedding, curtail the extravagance/honeymoon and use the money saved to pay off debts/put towards a deposit for a flat or house.

I understand, but our bridesmaids are my sister and best friend. Flowergirls are my sisters 2 daughters (cldn't have 1 and not the other) and my finances neice (only fair to let his family be part of it). Kilts are for hubbie, bestman, 2 fathers and usher.. i dn't see this as extravagant, others might, to me its the norm. Im sure you wedding was every bit as good but it's just what i want.. and as i keep saying to friends we WORK LONG & HARD hrs for it.

We already ahve a joint mortage and have been living together for over 2years, so i guess a DMP wld affect that. Thanks for advice

Off to 2nd job now... thanks xx

DarkConvict

Now i have read money has been spent, especially that much already. You should not cancel the wedding.

You will loose to much money to do that now, I agree to ask for money as wedding gifts but keep a close eye on it, theft is not uncommon at the gift table!

Lisa1978

DarkConvict wrote: »

Now i have read money has been spent, especially that much already. You should not cancel the wedding.

You will loose to much money to do that now, I agree to ask for money as wedding gifts but keep a close eye on it, theft is not uncommon at the gift table!

Serioulsy!! How bad others stealing at a wedding but tbh i was worried about this. I shall pass all envelopes to my parents as they are non-drinkser and will keep safe. Thanks all for replies xx

DarkConvict

My sister lost atleast 2 presents and about £100 of B&Q vouchers. Problem is gifts are left at a gift table. And with over 80 people at the wedding not everyone knows everyone. So any person can walk in dressed up in a shirt. Wander around, look at gifts. Take small envelopes and walk off.

Also at my sisters wedding the best man, chatted up a bridesmaid from the wedding in the next room (other wedding) and nearly got into a punch up. it was an odd reception :P