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You Need To Answer These 6 Essential Money Questions Before Getting Married

1. HOW DO YOU SPEND?

Your future spouse’s spending habits is one of the most important things that you must uncover. Whether you are a saver or a spender, your spending habits can influence the growth of your wealth. Discuss your this matter while keeping an open mind. Then, brainstorm on how you can blend your distinct spending habits in order to manage your wealth as a couple.

2. ARE YOU SPENDING A LOT FOR YOUR WEDDING?

Some people dream of lavish wedding ceremonies while otherS prefer simple gathering. As a unified couple, plan how much you are willing to spend on your wedding day.

If you want to save money, schedule your big day during off-peak months. Usually, getting married in “off-peak” months such as November, March, and April can be less expensive than marrying in “peak” months such as December and February. Save even more money by scheduling your honeymoon when the hotels and resorts are off-season.

3. DO YOU WANT TO HAVE A PRENUPTIAL AGREEMENT?

Even if we live in the most expensive city in the world where finances shall be carefully planned, do not assume that your fiancé is comfortable with pushing through a prenup. A prenup may suggest lack of trust in one party as you are planning for unforeseen divorce. Aside from this, talking about monetary and property division can make the marriage sound more like a business matter. Truly, this is a sensitive subject matter that should be handled with care, love, and honesty.

4. DO YOU HAVE EXISTING DEBTS?

To prevent unforeseen monetary issues, understand each other’s view by explicitly discussing your differences on financial issues. For honesty’s sake, show a copy of each other’s credit report. Know what your debt and income are actually worth so that you can realistically plan on how to pay for the remaining debt. Your partner’s lack of credit history will reflect on your credit score if you combine accounts.

5. SHALL YOU OPEN A JOINT ACCOUNT?

There are undeniably advantages and disadvantages to opening a joint account but it all comes down to your spending habits. Discuss whether you want to open a joint account solely because of the household bills or your emergency fund. Having a separate bank account is acceptable but, you have to tell your spouse about it.

6. HOW WILL YOU PAY THE BILLS?

Do not assume that your future husband has got all the bills covered for you. Instead, you must openly discuss how you will split the bills. If you come from a multiracial background, it is better to understand money with respect to each one’s culture.

Image Credits: pixabay.com (CC0 Public Domain)

Keep in mind that your goals are the same – to efficiently spend and save as a couple. As a team you may utilize your partner’s credit card to make use of the grocery rebates while the other takes care of the grocery shopping itself.

Sources: 1 & 2

3 Life Events Where Time Management Is Financially Crucial

Your heart is pounding as excitement and uncertainty clouds your mind. You are about to make a life altering decision. Pause for a moment. Before you do anything else, consider its financial outcomes.

Whether you are rendering your resignation or planning your engagement proposal, all these huge decisions can make or break your wealth. This is why it is important to have a substantial amount of time to analyze every factor including time itself.

To do this, you must master the art of time management. Time management refers to the way you organize and sort out how long you spend on specific tasks. After all, we are equally given the same 24 hours. Let us make the most of it!

For instance, here are some life events where time management is financially crucial…

1. GETTING MARRIED

Save lots of money by scheduling your big day during off-peak months. Generally, getting married in “off-peak” months such as November, March, and April can be less expensive than marrying in “peak” months such as December and February. However, you must always be cautious of the venue’s weather and conditions.

During off-peak months where the demand for weddings are lesser, couples get to negotiate for better prices. Tying the knot in these months means taking full advantage of the discounted prices on reception venues, catering, and photography. If you want to save even more, know the right time when the hotels and resorts are off-season and stay away from the weekends.

2. RENDERING YOUR RESIGNATION

Remaining in a horrible job or company for too long can be harmful not only to your career but also to your health. If you have tried your best to turn things around and have not seen any changes, perhaps it may be time to walk away.

According to Travis Bradberry of Forbes.com, here some signs that validate your desire to quit:

It is time to quit your job if you…

a. dread going to work.

b. know more than your boss.

c. are out of the workplace loop most of the time.

d. lost your passion.

e. have a horrible boss who is not going anywhere.

f. see no room for advancement.

g. are suffering health wise.

h. are suffering in your personal life.

i. think the company is in danger of closing.

Image Credits: Quinn Dombrowski (CC License Attribution-ShareAlike)

If most of this or all of this are happening to you, consider your options before quitting your main source of income. Rendering a resignation is best done during the beginning of the month, wherein you are not holding any projects yet. Schedule your resignation email or letter and do so graciously.

3. RECEIVING YOUR BILLS (AS A YOUNG WORKING ADULT)

As a young working adult, especially if you are living alone, you become responsible for keeping the household sharp. For the first time in your life, you are the chief of your own bills.

With this newly acquired responsibility, you must stay organized to keep up with your payments. Set aside some time in the beginning of the month to make a list of the bills you are expecting to receive. Put it on your working desk or create a file for it. This way, you will not pay a bill twice even if you received it simultaneously by e-mail and postal mail.

Alternatively, you can get your payments automated. Since you are prepared for the bills earlier on, you may have available money in the bank to pay it the same day as you received it. If you have automatic payment scheduled and you still received a billing statement, call your bank or creditor.

Image Credits: pixabay.com (License: CC0 Public Domain)

Sources: 1, 2, 3, & 4

Free Wedding Planner Tools For A Fantastic Wedding

According to Dictionary.com, a wedding planner is the person responsible for conceptualizing and organizing the wedding ceremony, the reception, and perhaps the honeymoon. A busy couple can certainly hire a professional wedding planner to take off the load on their shoulders.

However, if you have too much time on your hands and do not want to cast a hole on your pocket, you can take on the role of the wedding planner and DIY your way to your dream wedding!

1. WEDDING PLANNER CHECKLIST

So, you have a ring on your finger. Now what is next? Wedding Ideas Magazine shares checklists and tips for planning a wedding in 12 months, 6 months, and 1 month. The first sentence speaks volumes: “The secret to a great day is to start planning early!” Thus, planning a wedding 12 months in advance with this concise planner sounds like a good idea.

Available here: weddingideasmag.com/wp-content/uploads/files/downloads/Wedding-Ideas-Planner.pdf

2. BACHELORETTE OR HEN PARTY

Whether you are planning your own bachelorette or hen party or you are bestowing the responsibility to your maid-of-honor, coming up with the whole event can be stressful. To help you with this, you can use a guide or a checklist too for 12-24 months, 2 months, 1 month, and 1-2 days before the party.

Available here: weddingideasmag.com/wp-content/uploads/files/downloads/Wedding-Ideas-Magazine-Planning-Tool-Hen-Party-Checklist.pdf

3. WEDDING PLANNER SOFTWARE

Do you know that there is a no-cost wedding planner software available to support you in:

Designing the Floor Plan,
Managing the Guest List,
Tracking RSVPs,
Assigning Seating Arrangements,
Generating Guest List Reports,
Printing the Floor Plan,
Printing Place Cards,
Sharing event information with others, and so much more?

This wedding planner tool is called Seating Arrangement.

Know more about it here:

https://www.youtube.com/watch?v=6AfmxfzEtekfeatures.htm

4. WEDDING WEBSITE

To take your organizational skills to the next level, you can make a website for your special day. You do not need to have major tech skills or digital knowledge to get started with your own website. Simply use the reliable free website builders such as WordPress.com. Website builders already have the template, plugins, and coding for you.

Inside your website, include the guest lists, RSVP forms, meal requests, gift registry, gift wish list, and anything you want to include. Furthermore, with the help of your website, guests can easily collect and share photos on their Facebook, Instagram, and other social media platforms.

Image Credits: pixabay.com (License: CC0 Public Domain)

Nutritious Detox Ideas That Every Bride Should Do Before The Wedding

Having a toned and sexy physique for the wedding day is at the top priority of almost every bride. And, there is definitely nothing wrong with wanting to look good for the “Big Day”!

Although the body is capable of cleaning or detoxifying itself, our unhealthy lifestyle can slow down that natural process – leading one to feel lethargic, unmotivated, and bloated. To lighten up the load of your body, a nutritious detox may be the best way to go.

Before we get into the specifics, I shall define what “Detoxification” really is. Detoxification or commonly known as detox is a physical or medical elimination of toxins or contaminants from the body, which are mainly carried out by the liver. According to Cambridge Dictionaries Online, it is a period when an individual stops ingesting harmful or unhealthy foods, drinks, or drugs the body for a period of time. All these are conducted to improve your health.

As you find ways to reach your ideal body goal, consider these Nutritious (Yet Inexpensive) Detox Ideas:

1. SUBSTITUTE COFFEE WITH GREEN TEA

A minimal level of caffeine is okay but you have to be aware of how much you take within a week. A brewed coffee has a caffeine level of up to 95-200 mg while a green tea only has 24-45 mg. Change things up a bit by choosing the one with the least caffeine level. Green tea offers vital antioxidants in the most natural form. Furthermore, since it is still caffeinated, you will get the extra morning boost that you need for wedding planning!

2. STAY HYDRATED

Aside from drinking green tea, you shall stay hydrated by drinking the good o’ll water. Water is the simplest way to detoxify your body as it flushes out the impurities when you drink sufficiently. Sufficient intake of water can contribute to properly functioning organs, clearer skin, and better digestion. Make sure you drink enough. As medically advised, drink a minimum of eight glasses a day.

3. WORK OUT

Yes! Exercise shall still be a part of your regimen. Sweating out through running, yoga, or any type of physical activity (e.g., shopping for wedding essentials) for at least 15 minutes can help you get rid of the body’s toxins. Do this on a daily basis. Friendly reminder, as you dive into the physical activity at hand, always stay hydrated.

4. GET A GOOD NIGHT’S SLEEP

A well-rested woman is more likely to shed some weight than a woman who is sleep deprived. This is because your body is more tempted to eat junk food when you are not getting enough sleep. Moreover, sleep deprivation wears the body down and weakens your immune system. So, as much as possible get 6-8 hours of sleep each night and give your body the recuperation it deserves.

Image Credits: TipsTimesAdmin via Flickr With CC License Attribution-ShareAlike

Brides should learn to practice healthy choices in everyday life. They have to make some adjustments, that might be difficult at first, but they are all worth it. 🙂

Sources: 1, 2 & 3

Cheap Ways To Include DIY Crafts To Your Dream Wedding

Wanting a wedding that is immensely personalized and stylish yet money-saving? Then, consider including a myriad of lovely Do-It-Yourself (DIY) crafts. These DIY crafts can be used in wedding ceremonies, bridal showers, and receptions. Budget for these elements depend on the type and quantity of materials necessary to fill in the needs of the guests.

Since time is of the essence, here are 3 wedding DIY ideas that are easy and quick to make:

1. PAPER FLOWERS

DIY paper flowers with beads or laces could be presented at the centerpiece, at the wedding shower, or given as souvenirs. To flourish an elegant touch to your big day without breaking the bank, you can make the classical wedding pomander:

2. RIBBONS

Ribbons are beautiful to look at, especially if they shine with vivid patterns. You can just hang these at the entrance arches, doors, or bouquets to add a dramatic flair.

What’s more? You can even decorate a chair with 9 shades of ribbon colors or 10 types of ribbon patterns. Here is how:

a. Gather either the 9 strips of ribbon or the 10 types of ribbon patterns.

b. Tie the strips sideways and rotate these toward the middle.

c. The excess shall create a pretty fringe effect cascading down to the center.

For a portrait of the ribbon arrangements, click here.

3. MASON JARS AND CANS

You need not to have a degree in design to brighten up the special reception. Just place several mason jars or cans on the table and put small candles inside.

Image Credits: sugarspiceandnice.wordpress.com

Alternatively, you may place your family’s old wedding photos or your pre-nuptial photos too.

Image Credits: sugarspiceandnice.wordpress.com

Look no further for the perfect candles and mason jars. IKEA sells a pack of 12 small scented candles for S$7.90 while mason jars are sold as low as S$2.90!

Sources: 1, 2, & 3

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