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Savvy July 2018

How did you pay?

OL7889, on July 24, 2017 at 2:29 PM

Posted in Etiquette and Advice 109

Hi everyone, Just curious for those who paid for a wedding on your own...how did you do it? Did you already have a lot of money saved? Take out a loan? Credit cards? Just curious!

Hi everyone,

Just curious for those who paid for a wedding on your own...how did you do it? Did you already have a lot of money saved? Take out a loan? Credit cards? Just curious!

109 Comments

  • Felicia
    Dedicated June 2018
    Felicia ·
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    We picked a date in advance and we are saving along the way.

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  • Kim
    Super August 2017
    Kim ·
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    I should mention also that we're trying to buy a house in a year, so we've been paying of FH's student load and our previous CC debts at the same time we're paying for the wedding. We want to start our life together debt free.

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  • Lindsey
    Dedicated October 2018
    Lindsey ·
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    Make a budget. Figure out how much money goes to bill and figure out what you and your FH can put away every pay period. My FH and I are also gonna use some of our tax return money to help out. Be realistic on what you really can afford in your time frame too.

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  • J
    Savvy September 2017
    Jessica ·
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    I used everything in savings and we sat down and established a budget based on what we could put aside. Everything else is on credit cards. I highly suggest not using cards. It destroys your credit. Luckily I am going to have mine paid off quickly after the wedding.

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  • Rachel
    VIP September 2018
    Rachel ·
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    You shouldn't go into debt for your wedding and you shouldn't depend on gifts from guests. You also shouldn't ask anyone to help pay for your wedding. You can tell your parents that you're working on your budget and if they intend to help, they will offer. Be sure you're realistic about how much you can count on them.

    If you can take on any overtime or extra shifts, you might consider it to help get a bit of extra income but do not make yourself miserable!! Here's what I recommend:

    1. You and your SO should make a budget for yourselves. see how much you think you can reasonable save each paycheck. You should avoid splurging too much for now but leave yourself room to live a little.

    2. Shop around a bit and get price quotes form vendors near you to create a realistic price per person

    3. Make an approximate guest list. You don't need to have everyone exactly just try to get a realistic idea of how many people you would like to invite.

    4. Using your price pp and your approx guest list number, get an idea of your budget (check wedding wire's budget tool to be sure you don't forget anything not that venue, catering and booze should be about half of your budget)

    5. Then pick an approximate date based on how much you need to save and how long it will take to save that amount.

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  • Mandy
    Devoted June 2024
    Mandy ·
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    We are paying as we go on some things and saving for others. We did use a CC to put down the deposit for our venue, but have since paid that off.

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  • Munchkin9218
    Master September 2018
    Munchkin9218 ·
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    We have a savings we can pull from, but we also partially pay per week based around our budgeted amount for that vendor.

    Whenever we get a final quote we sit down and look at our weekly/monthly finances, then we take away all our other bills and expenses, then we figure out how much we can put toward a weekly/month payment (or put that amount away per week if it has scheduled pay dates).

    We're paying off most of our vendors yourself. My parents offered to pay for the venue. I also paid for my dress using savings bonds I had saved which were two big chunks off our budget.

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  • TwistedPrincess
    Super May 2018
    TwistedPrincess ·
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    Save and pay as we go with payment plans set up with vendors.

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  • Red2018
    VIP August 2018
    Red2018 ·
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    We have been gifted most of the money from each set of parents so that we can save for a house in the mean time. Never go into debt to throw a party. Have the wedding you can afford

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  • CoolKat
    Super October 2017
    CoolKat ·
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    We have been lucky that both our parents have cover most of the wedding, but what they have not covered we have paid for as the time came.

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  • Constance
    VIP October 2017
    Constance ·
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    Created a budget, then saved. Do not use a loan or credit card. You'll lose your ass on interest. I filter my payments through my credit card to get points for our honeymoon. That's to say I pay the cake deposit with my credit card, then log in to my account and pay it off right away.

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  • duchess
    Super May 2017
    duchess ·
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    Ours was only a 5 month engagement and it was a surprise so didnt save up for it so we paid it as we went....spent about 12k on the wedding...spent another 6-8 on the yard we had everything in.

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  • VC
    Master May 2017
    VC ·
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    Had the money sitting in the bank. Charged it with 4 points Credit Cards and then when the statements came in we paid them off. Got a shit ton of points for spending what we would have done anyways. And we were lucky our venue encouraged it.

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  • K
    Savvy May 2012
    Kylie ·
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    We had some saved. But we are paying as we go like most of the posters on here!

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  • Jewels
    Dedicated April 2019
    Jewels ·
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    We trying to save our money as we go, plus my father been adding funds to it as he can! my original date was September 2018 but moved it recently to March 2019 cause its cheaper and it give me more time to save! I want it to be right but within my budget!! No loan or credit cards don't want to be in more debt after I become Mrs. S!

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  • fallinthegarden
    Master October 2017
    fallinthegarden ·
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    We got engaged right after graduating college and starting professional jobs. We live just on my salary, and are putting FH's salary and my bonus check into savings for now. Once the wedding is done, we will totally refigure how we budget, but it's worked for our 15 month engagement. We're just living in a smaller place and spending less on fun stuff than we would if we weren't saving for the wedding.

    We're paying most things by credit card, but only because we get cash back. I log on and pay the balance as soon as it shows up. I wouldn't ever let a balance carry, and I certainly would not take a loan out for a wedding.

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  • Erica
    VIP August 2018
    Erica ·
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    We opened a checking account and we both commit to depositing every pay period or monthly. We both had put aside some money to deposit into that account so that helped get started with deposits.

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  • A. L.
    Master July 2017
    A. L. ·
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    With our checking/savings.

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  • Stephanie
    Expert March 2017
    Stephanie ·
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    Once we got engaged we opened a joint savings account. We added money into it and while we had money gifted to us, we paid for the majority of our wedding ourselves. We had a 15 month engagement and about 6 months in I applied for a new credit card (one that had incentives). Everything wedding related went on that card and the balance was paid in full with the money we were saving. We ended up getting a ton of travel points and got free flights to Rome for our honeymoon in September!

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  • Kelly
    Dedicated October 2018
    Kelly ·
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    We saved money but are paying for it all on our credit card so we can get extra points, hopefully to use towards our honeymoon. We are paying off the full balance of the card every month.

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