How do we pay for our wedding without more debt!!? HELP.

arbroath_lass

MrsT2be wrote: »

The photographer has booked accommodation and we've paid the non-refundable deposit.

Cancel the photographer. Wedding albums get looked at a few times and then put away. Ask your friends to take loads of photos - far less formal.

MrsT2be

pc1271 wrote: »

I wouldn't condone further debt, but you could try a new 0% for spending credit card, and charge some of the remaining costs to that. If you're accepted, you probably wouldn't get a £3k limit given your outstanding debts, but it might be £1k.

If you haven't already, flog as much redundant stuff as you can on eBay - any good quality clothes in your wardrobe that you no longer wear would fetch a few quid, likewise exercise kit, tools, furniture (eg a desk in spare room).

If you have loans, etc, have you checked if you have PPI?

Hi, We have furniture in storage from when we moved out of our rented flat, but we have costed it and its not worth us selling it, as we wouldnt get any return on it, and we would have to buy it all again when we move out, the storage cost would only reduce slightly if we dont sell it all, and the cost of hiring a van to move it all would be more than the remaining storage payments.
I sent off my PPI claims in September last year, I got £20 from one (paid for my head dress!) and I'm waiting for a response from HSBC, I have another 3 weeks to wait for the outcome, the other has been referred to the Financial Ombudsman, who have said it could take 18 months to reach a decision.

Selling things is the next step for us, I have a whole wardrobe of stuff that I rarely wear, and my partner has recently traded in a load of his X box games and an old wii console, we used that money towards christmas. We both have old mobile phones to sell which will get us an extra £120, but I cant get rid of mine until my contract expires in Feb.

MrsT2be

arbroath_lass wrote: »

Can you both look for additional work (pub? etc).

Re-read your post and your wedding isn't until May. I don't think you are too late to postpone it (not sure why the invitations were out so early).

Invites went out for those who havent booked accommodation yet, we need to confirm final numbers with the venues in March.

I considered taking on extra work, but I already work full time and have a medical condition that limits what else I can take on, I will suggest this again to my partner when we discuss what our options are, because he either has to do something, or tell people that its post poned. Harsh, but kind of true.

MrsT2be

arbroath_lass wrote: »

Cancel the photographer. Wedding albums get looked at a few times and then put away. Ask your friends to take loads of photos - far less formal.

If I'm having a wedding, I want some good photo's! Would rather cancel the honeymoon, we can go on holiday whenever. I might, however, see if she can downgrade the package and only stay for a few hours, rather than 7.

Thriftygifty

MrsT2be wrote: »

The second venue is actually cheaper, we are holding the reception in a pub, which we have hired out the top floor for, the food is only £13 per head, for 2 lots of buffet basically. The ceremony venue is the one costing us the most (which is what my parents are paying for), I booked the register office originally but when we viewed it was damp and grimy with no windows, so we booked the hotel instead, which charge a room hire, and we have to pay the registrar extra for them going to the venue rather than at the register office. We are getting a discount on our wedding night room because we're having the ceremony at the hotel. We've cancelled wedding cars, DJ, and cut down the guest list to 60 from 85. I guess we could look for a cheaper ceremony venue, but the regsitrar fees will be the same, and we'll have to give notice again and pay the admin fees, so that will be an extra £150. The photographer has booked accommodation and we've paid the non-refundable deposit.

I dont think getting into more debt is advisable but I do think that you have pretty much paid for everything so I would be inclined to find the extra money as you are so close. BUT if you think that you arent going to enjoy your wedding day due to the stress I would say dont do it. Also I think you need to talk to OH properly about his debt as you need to be on the same page and open before you get married but I understand that for a man saving face is an important thing its difficult situation to be in and i'm sure he feels the same deep down.

My OH had loads of debt and it's just now that he is coming out of it and we are starting a fresh together and we our doing our wedding our way regardless of how cheap some people might think it will be (I dont think it will be), everyone has differnt ideas when it comes to wedding, nightmare but we have adopted the attitude of sod what people think!

Homemadehappiness

Hiya,

I haven't read all the replies however I posted a very similar thread 5 years ago and in my case we actually cancelled the wedding, we lost a lot of money that we had already paid but we also saved a lot of money that we needed to pay out - it was also really embarassing and the money worries put a massive strain on our relationship we got married 2 years ago (on a budget) had a fab day and tbh I wish i had just done that in the first place. I really hope you get this sorted out soon xxxx

dealer_wins

Starting married life with debt is madness!!

Just get a cheapo wedding at a registry office and save the stress of paying for one day over many years!!

piglet74

Speak with your OH,

You say he finds it hard to even talk to you about his debt, well that's alarm bells in itself.

Putting the wedding back will be a big step towards him admitting his financial situation, maybe help him face up to it too.

Borrowing more money is really not the answer. What if your health prevents you from working in a year or 2, what if one of you get paid off again,

Think long term, don't borrow for what's just one day.

whitewing

I think in OP's particular circumstances, she should borrow from parents if they can, but only when the situation has been thoroughly discussed with parents.

To cut costs, we didn't have professional photos. Our album was good and we did get lots of photos but my advice would still be to get a proper photographer, if you can jiggle things.

chrisfurbs

get a loan or pull out of the wedding