Wedding borrowing

continualdiamond

Like someone said, be prepared for the I got married for ..... and well that would be me who is about to say that.

I'm 29 and my now husband is 29 next weekend. We have been in a debt management plan for 2 years, so whilst yes the dmp doesn't allow any further borrowing, from experience anyway no way would I ever dream of borrwing money for 1 day.

Yes its a wedding, you hopefully only do it once. However if you look for things you can do it without the ££££ involved. Our whole day came to just over £2,500 and that is including everything, right down to the details of wedding album books, to the craft bits I got to do our own invites. Everything is included in that cost that had anything to do with the wedding.

Yes we had help from my parents and his parents. We ourselves paid about £800.

Our cake was free, like another poster mentioned, my friend did it for us. We had cupcakes and our own cake on top to bring home, it just cost me £25 for the stand off ebay and the cupcake casings etc.

The wedding car was free, we were all set on just hiring cars from a hire company and putting ribbon on ourselves, then husband to be uncle offered his old car he'd just started using for weddings, was an old vintage car and was stunning.

Husband to be drove himself and my mum to the venue.

I got my dress from monsoon wedding section in the sale, £90. I felt happier spending that on a dress I'd only wear once. The thought of thousands just scared me. Head piece was £8 from accessorize and my veil was my something borrowed.

Our invites were printed online, company advertising on ebay and then I bought crafts items to personalise them.

The photographer was £50, she wanted wedding experience, starting with low key weddings. She did the whole day, 11:30am - 5:30pm. My now mother in law also had a friend offer to photographer the wedding for free, so he came along as well, though just for the actual wedding.

Our venue was £300 from 11am - 11pm.

Just some examples.

Really do hope you can work out what to do.

KingElvis

We haven't had a barking mad wedding thread for ages so this is great.

It has all the hallmarks, people not being able to cough up on promises, people in debt already, ludicrous amounts for the wedding.......excellent.

dealer_wins

Content copied from Lovemoney.

Marriage is supposed to be a commitment to being together forever, until you die. Unless you're planning to ride off on a motorbike to some alcohol- and drug-fuelled revolution for your honeymoon, getting busy living, your deaths are probably a long way off.
Yet, as a symbol of this life-long commitment, where every day together is to be cherished, we're supposed to blow an extraordinarily gaping hole in our wallets in a single afternoon, right at the beginning of the marriage.
Some people spend half or even all their life savings on a wedding. Some even get in to debt for it. All that gone in just one day of their marriage. Psychologists have a technical term for this, and that is “bonkers”.
Then they have their whole married lives ahead of them, to struggle together to rebuild the money they spent as well as futilely trying to recover the wonderful, wealth building compound effect that they interrupted as a result.
If you want to test early on whether you can live through hard times together – till death do us part – you could start by having a wedding, and trying to get by afterwards.
But we surely can't expect that the rest of our married lives will be so worthless that we needn't bother keeping the vast majority of our hard-earned savings.

trying_2_b_good

It's not like OP can cancel the wedding now if they've already paid deposits etc! They need help in figuring how to pay for the rest of it. Everything OP has said is sensible except relying on that money (0% credit card etc). They want to have kids, but aren't sure exactly when. Me too - I'm married but aren't ready yet. A 5 year loan isn't what she wants because she knows her circumstances will change. I don't agree with a wedding loan, but that's not the question here.

OP - if there's anything that you haven't already done/got then try getting tips from the weddings and special occassion boards http://forums.moneysavingexpert.com/forumdisplay.php?f=142
You can get cheaper rings (upgrade at a later date if you want), downgrade your flowers (even if you've given a deposit you can ask to downgrade your order), find a cheaper photographer, spend less on bridesmaids dresses (or ask for them to contribute - that will annoy some people on here I'm sure, but it's common practice these days - esp if buying high st), book a last min honeymoon...

Cancel Christmas! Don't get presents for your other half and family - explain to them your situation. That way you can start to save as much as humanly possible between now & then. £500 between you for 6 months is £2,500. Put more on your credit card (is it 0% for a long time? Will you clear the debt before the 0% period ends?)

You may still need to get finance, but try to make it as little as possible, and delay it (although that's scary in case your application is declined). There's no point in taking it out now and paying interest on it now if you're not going to have to pay the suppliers until April.

Make a budget and plan plan plan!!!

wanchai_2

Is the OP ever going to come back to this thread and talk to us?

DCFC79

wanchai wrote: »

Is the OP ever going to come back to this thread and talk to us?

They might do, they need to sort out the finance for the wedding .

RichGold

KingElvis wrote: »

We haven't had a barking mad wedding thread for ages so this is great.

Made me laugh

opinions4u

£39 for the wedding.

Cost a bleedin' fortune since though.

dealer_wins

opinions4u wrote: »

£39 for the wedding.

Cost a bleedin' fortune since though.

Thats funny LOL

fozmcfc

The thing is, that we don't know the father is selling the house to fund the wedding, infact I would be really surprised if he was.

It is possible he is downsizing and/or moving to a cheaper property through choice (you know house to big for the people who live there, or prefers to have a small house and money in the bank).

I'm sure plenty of fathers wish to pay for their daughters special day and I don't see what is wrong with that.

Do I think spending this sort of money on one day is madness, well yes I do, but I think it is unfair everyone just assuming the father is being forced to sell the house or is solely selling the house to help fund the wedding.