hekp - wedding loan!

gini6917

no - budget is £8k im working to...im being super frugal!

pimento

If you love him and want to spend the rest of your lives together then my advice would be nip down the resgistry office and put the £8k towards a deposit on a house or paying off your debts.

Good luck!

fantasia322

I cant afford to get married either and would love to. But no way would I take out a loan to be able to do it,
I would love a big wedding, but next year it will be a registry office, my dress will be off e-bay, the only guests will be our children, and we will have a disco buffet for friends in the evening at home.
Its not about money, its not about the DAY or dress, its about wanting to spend the rest of my life with my man. And the simple, syymbolism means far more to me than any loan provider could provide me with

RuthnJasper

Hi Gini,

I know some of the above posters come across as a bit 'brisk', but I'm sure they're just meaning to help...

I do realise how wonderful it is to have a big fancy wedding - but you could honestly have a superb day for less than £5k. For example, when my brother and sister-in-law got married one of their more 'arty' friends designed their invites, orders of service, etc., as a wedding present. My mum made the place cards for the reception and we split the bridesmaids' things - my sister-in-law's parents paid for the gowns and each bridesmaid paid for her own shoes. If you can corral plenty of friends and family (who, in all probability, would LOVE and feel very flattered to be asked to pitch in), that's one way of keeping the costs down.

Then, you could save for a really cracking anniversary party for everyone. Or, like others have said, save up for a bit so that you don't need quite such a meaty loan. At the end of the day, though, a wedding is not about the frills and appearances - it's about gathering together with people who care about you and will celebrate alongside you and your man as you pledge your love for and your commitment to each other.

Personally (and I have been to both kinds of nuptials), I would rather go to a rip-snorting £400 wedding full of love, sincerity and good-will than a £20,000 affair which is all about outward appearances, full of people doing their best to upstage the happy couple and with a simmering air of b1tchiness underneath the silk ribbons and taffeta!

I wish you and your fiance lots and lots of luck and I hope you have a fabulous wedding. xx

Fiddlestick

gini6917 wrote: »

ive been earning £30 for about 8 months - before that it was £38k...my partner has a much lesser paid job and the cost of living is very high in york - we pay £700 a month for a poky 2 bed flat and out council tax is £140...its probably living here that keeps us poor.

i think ive answered everything there....if it was as easy to save as people are saying i wouldnt be wanting a loan....we have very little left after bills are paid. my fella cant get a better job as he isnt really skilled, and cant afford to retrain

Can you post an SOA and we might be able to help?

MFWannabe

You said in your first post that you have been turned down by your own bank and many many others. You have therefore applied for quite a few loans in a short space of time and that's why you will keep getting turned down; as you have quite a lot of searches on your credit file and as lenders see it you are desperate for money.
I think you need to either totally cut back so you don't need to borrow any money or postpone the wedding until you can save. You earn 30k a year and your partner works so you should be able to do this. You need to post an soa so we can advise where you can make cutbacks to get rid of current debt and to be able to save

immoral_angeluk

Never pay more for a wedding than you'd be happy to sacrifice in a divorce... lol

SingleSue

gini6917 wrote: »

no - budget is £8k im working to...im being super frugal!

My brother is getting married on Christmas Eve and his wedding will cost less than £200...that is being frugal.

Registry office wedding, dress off Ebay (less than £30), home cooked buffet, home reception, travelling in friends and family cars, silk flowers off Ebay for bride (very cheap!) and home music system for dancing to.

No honeymoon (well it is Christmas Eve) but at least he has got the day off work on Christmas day so they can lay in a while.

I'm organising it......

RadoJo

I think you've said it yourself - if your monthly outgoings leave you without enough money to save, then they don't leave you enough money to pay off a loan. I'm sure you could probably cut your outgoings down with the advice on this site and then you would be able to save, or use the advice on here to cut the costs of the wedding. As you don't have any assets, you are basically asking a lender to fund your wedding with nothing to demonstrate your ability to repay - they can't even repossess a wedding if you fail to make your repayments, which is probably why they are unwilling to do take a risk on you.

Could your fiance maybe take out a career development loan to cover retraining costs as an alternative? I'm not sure if they are still considered a cheap way to borrow money, but it used to be that there was no interest on them for two years (I believe - long time since I had mine!) and that would be a much more long term way to improve your prospects. The fact that you have mentioned you don't have enough money for him to train to improve his earning potential, but want to take out a loan to pay for something which, whilst a lovely thing to do, is hardly an essential, possibly suggests that reconsidering your priorities might be the only option.

AMILLIONDOLLARS

What about taking on second jobs. Lots of supermarkets recruit on a part-time basis and with Christmas coming up there will be lots of companies advertising for temporary help now.

AMD