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8 Great Tips To Save Money On Your Wedding

8 Great Tips To Save Money On Your Wedding

Walking down the aisle alongside that special someone is something most of us look forward to. It is one of the most remarkable moments of our lives that cannot be easily forgotten. It is like a dream come true for many. Weddings are usually expensive, but organizing a wedding ceremony doesn’t really have to cost a fortune. You don’t have to go above your budget for your wedding.

Here are a few tips on how to stick to your budget and ensure you save more on your wedding. With a thorough research and careful planning, you won’t have to break the bank to have the most remarkable wedding ceremony that you will remember for a lifetime

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1. Reduce cost per guest

One of the best ways of saving money is cutting the cost of food and drinks per guest and not the number of guests invited. You can opt for a buffet wedding breakfast which cost as little as £11.00 per guests, and as for alcohol, you can opt for less expensive ones.

2. Opt for all inclusive venue

If you are looking to get married in a particular venue, it is advisable to choose a place that offers everything including caterers, tables and chairs – at a reasonable price.

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3. Choose an off day or off season

Celebrating your wedding during off season or on another day of the week other than Saturday can save you a lot of money. You can decide to fix your wedding and reception on a Wednesday as compared to Saturday which is considered to be more expensive. You can also decide to have it in December and save more than in June and October, which is the most popular months for wedding. Everything is from the booking to the venue to the flowers gets costlier during the peak wedding season.

4. Shop around for photographer/videographer

There are lots of professionals who specialize in offering high quality wedding photography and videography at reasonable prices. Surf the internet and opt for the one that best suits your budget.

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5. Hire a car

Another great way of saving money on your big day is by booking a rental car to take you and your guests to your wedding venue and airport. On request, a reputable car hire service provider offers a vast array of classic cars with a designated driver for your wedding, at an affordable pricing. If you have plenty of out of town wedding guests, you can decide to book a wedding bus for several trips to the wedding venue instead of hiring the usual two to three wedding cars. With more cars at your wedding venue, you may have problem with limited parking space, so ensure you book a venue with a bigger parking space for your guests. A professional car rental company can help decorate your car or bus with wedding ribbons, flowers and bubbly of your choice to give it a more attractive and stylish look. With a car hire, you spend less and save more.

6. Save money for the wedding

This may seem too obvious to be a tip, but you’ll be surprised at just how many people wish they had started saving a little earlier for their wedding. Every girl wants to have her dream wedding at one of the most beautiful venues ever. However, you can enjoy the most memorable wedding experience ever if you have some money saved for the wedding ahead of time. The sooner you start to save, the more manageable the cost will be.This helps to cut the last minute costs and stress associated with the wedding.

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7. Use budget-friendly decorations.

Don’t spend too much money on decorations. There are lots of cheap decorative items such as white light and balloons on the market today. You can also decide to borrow decorations from family and friends. This won’t cost anything, but still add beauty and charm.

8. Find affordable wedding clothes

There is absolutely no doubt that the best way of finding cheaper wedding clothes is through the internet. You can find beautiful wedding dresses at affordable prices. The groom can also benefit greatly from shopping online at stores offering good discounts. Some stores selling wedding dresses also offers cufflinks and studs as compliments.

Featured photo credit: Perugia Farmhouse via perugia-farmhouse.it

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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