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Money saving

Don’t say ‘I do’ to wedding day debt regret – 7 ways to avoid it Pt 2

Posted 03 August 2015 by Shelley Bowers

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You don’t have to blow a fortune to have the wedding of your dreams. Read our tips on avoiding wedding debt.

Last time, we showed you 2 of the 7 ways you can avoid huge wedding day debts. This time, we’ll show you the final five.

3.    Budget, budget, budget (and stick to it) – We really can’t stress the importance of this one enough. Wedding costs can often spiral out of control because couples start to add extras to the day. While they may have originally planned a DJ as entertainment, as the big day draws closer they might decide they need a magician or fireworks as well. A bride may choose to add a handbag and designer shoes to her outfit, which weren’t originally in the budget, or invite another two friends to be bridesmaids. All of this can cause the costs to mount up. Our tip is to set aside some time soon after you get engaged to talk about how much you want to spend, what’s important to you both and what you hope your wedding will be. Write down everything you want, do some research on the average cost of each of these things, and draw up a budget accordingly. By sticking to this, you should get the wedding you hoped for and at a price you can manage.

4.    Don’t be scared to make cuts – This can include keeping the bridal and groom’s parties relatively small, so you’re not splashing out on bridesmaids dresses and ushers suits for a dozen or more of your friends. You should also be strict with your guest list, as nothing pushes the price up more than having to pay for people you barely know to attend. Remember it is your day and think carefully about who you want to be part of it.

5.    Be savvy – Of course, in certain situations there are ways of getting exactly what you want for less, you just need to be little savvy. You could look for your gown at a sample sale and then pay for alterations, which may work out less than the original price. Or you could think about hiring, instead of buying a dress. It’s worth looking for the rest of the bridal party’s outfits in the sales too, as this could save you plenty of cash. And don’t forget to negotiate, there are lots of businesses that make their money from weddings, so if the first one you go to can’t give you the price you want, there will probably be another that will. Don’t be afraid to shop around and don’t let yourself be pressured into buying more than you originally set out to.

6.    Use the skills around you – These days it’s not only acceptable to have homemade things at your wedding, it’s considered to be quite cool as well. So, have a think about the talented and crafty people you have in your circle of friends. What could you get them doing? Could they make your invitations, bake the cake or arrange the flowers? You could suggest they do this instead of buying you a gift.  And you could save you a pretty penny. And, like we said, you’ll probably find it all has so much meaning when there’s a personal connection to the elements of your big day.

7.    Don’t panic – One of the main reasons why couples end up over-spending is because they feel under pressure to please and impress everyone. The fact is, your friends and family should just be thrilled for you and excited to be part of your special day. They don’t need fireworks, exotic favours and a famous singer performing at the reception to have fun. Being surrounded by family   and seeing you tie the knot is usually enough to put a smile on any guest’s face. And they certainly wouldn’t want to think of you getting into debt just so they can have fun.

Your first years as man and wife, shouldn’t be full of trouble and strife! So, so we hope these tips help stop that happening. If you need more moneysaving advice, have a read through the other blogs we have for more nifty ideas to get what you want for less.

 

 

 

by Shelley Bowers

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To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.