What do i do?

bramble1

Thanks for the responses.

I am in two minds still. If I pay off my debt I will be about £200 a month better off. Even if I saved that we would years away from getting married. Therefore even more years away from starting a family.

I have had to accept I will never own a property, which would be my reason for clearing my debt as s priority. so although I will be debt free I don't feel like it will be any sort of achievement. My life will still be on hold.

We manage as it is, so part thinks get married and bumble along paying the debt off. I just struggle to see it any other way!

bramble1

Oh and I'm talking spending less than 5k on a wedding if possible.

immoral_angeluk

redpete wrote: »

Of course you can afford to get married but maybe you can't afford the wedding you would like.

Totally agree. Basic fees for a register office wedding is £77 I believe..

immoral_angeluk

bramble1 wrote: »

Thanks for the responses.

I am in two minds still. If I pay off my debt I will be about £200 a month better off. Even if I saved that we would years away from getting married.

Only if you long for an expensive wedding. In your heart of hearts does it REALLY matter if you have to wait a bit longer to get married? Or why not have a basic wedding sooner and save up for a big reception. At the end of the day weddings are more and more just a big party for family members...

Therefore even more years away from starting a family.

Sorry but that's rubbish. You don't have to be married to start a family!

bramble1

immoral_angeluk wrote: »

Totally agree. Basic fees for a register office wedding is £77 I believe..

immoral_angeluk wrote: »

Only if you long for an expensive wedding. In your heart of hearts does it REALLY matter if you have to wait a bit longer to get married? Or why not have a basic wedding sooner and save up for a big reception. At the end of the day weddings are more and more just a big party for family members...

Sorry but that's rubbish. You don't have to be married to start a family!

I don't want an expensive wedding, the church of my choice charges £400, we are holding the reception on our own land to bring down costs and making everything for it ourselves. I want to be married. The wedding will be basic, the whole affair will be basic, but i'm only doing it once, so needs to be a little bit special. And i want to be married before i start a family, it's something I feel strongly about.

I'm just struggling to see why I should put the money towards paying off debt when it won't get me anything at the end of the day. I KNOW it will make me debt free, but then what? Skint and debt free, life at a standstill.

rising_from_the_ashes

bramble1 wrote: »

I am in two minds still. If I pay off my debt I will be about £200 a month better off. Even if I saved that we would years away from getting married. Therefore even more years away from starting a family.

£200 a month is a lot of money to free up & will reduce the stress of having large debts.

Weddings don't have to cost the earth - some of the best ones I've been to have been simple affairs with a big party in the evening and haven't cost the earth .... why anyone would want to blow £5k (or much more in a lot of cases) on one day is quite simply beyond me.....

What's important is you & your OH making a commitment to each other in front of your friends and family and then having a celebration afterwards .... that's priceless and what you will remember, not how fancy it was.

rising_from_the_ashes

bramble1 wrote: »

Skint and debt free, life at a standstill.

Sorry but you'll hardly be skint with £200 extra a month .....

keepcalmcarryon_2

10k of debt only costs you £200 a month?!?! Blimey thats one hell of a cheap repayment deal you have there.

suburbanwifey

.............

bramble1

rising_from_the_ashes wrote: »

£200 a month is a lot of money to free up & will reduce the stress of having large debts.

Weddings don't have to cost the earth - some of the best ones I've been to have been simple affairs with a big party in the evening and haven't cost the earth .... why anyone would want to blow £5k (or much more in a lot of cases) on one day is quite simply beyond me.....

What's important is you & your OH making a commitment to each other in front of your friends and family and then having a celebration afterwards .... that's priceless and what you will remember, not how fancy it was.

5k would be the most i'd ever dream of spending on a day, I've never been to wedding, and have no idea apart from the actual ceremony how much the rest will cost. If it's less great.

I don't think £200 is really that much in the grand scheme of things, like I say, even if we save it, we'd be dead before it got us the deposit for a house...