Need a nice joke to start off wedding speech.
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13 years ago
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mitchdesj
13 years agoles917
13 years agoRelated Discussions
Getting married starting off in debt
Comments (19)Depending on the type of student loans you have, the interest the loans accrue becomes a tax credit for you. Not a deduction, but an actual credit. When I was first starting out, this was very helpful, as I financed nearly $13,000 with Stafford Loans. My interest payments were around $700 the first few years, which was cash in my pocket every month (I opted for lower tax withholding, if you get money back then you are paying too much to begin with.) I also had a car loan and credit card leaving school, and I found the best way was to focus on the credit cards. Credit-rating wise, the car is a secured debt, and does not negatively impact your credit score the way the cards do (unless of course you pay late!). My biggest mistake, however, in my zeal to pay down debt, was leaving myself cash poor. Use the zero interest time to build up some cash, that way you have a buffer. But for sure lose those balances (payoff/transfer) if they have high interest at the end of the term. I hope your future Mrs. is working equally hard to dissolve her debts -- backing out the car and school loans, your personal debts are lower. Are her parents paying for her schooling, or will that be another consideration once she finishes school? I wouldn't stress too much, have a game plan that you two can agree on and stick with it -- before finances get more complicated (businesses, kids, homes!). Whatever you decide, now is the time to make the decisions, together. That whole "what's your's is mine" bit applies to debts, too :) Good luck (and keep wishing for green wedding presents)....See MoreNeed help with DIY wedding reception
Comments (44)Italian Beef Sandwiches. Very juicy, (read sloppy!) but so easy and delish. It's cheap, too, if you buy chuck roasts on sale. You braise the beef with garlic and onions, bay leaves, salt and pepper for several hours until the meat shreds, serve it hot with all its juices on Italian rolls or other hearty rolls. I'll be more precise with the recipe if you'd like, but that's about it. I guarantee a hit!...See MoreNew house, but got off to bad start...can you help?
Comments (17)I have been stung by designers twice with new homes. I am a professional woman but also had four small children and grew up with a limited income on a farm. So when later decorating a large home and finally had a nice income I was so intimidated by the designers who neither had children and convinced me twice to put white carpeting in my bedroom because the "children" wouldn't be in there. Pleeeze!! The designers always looked like a million bucks and I had oatmeal in my hair and flipflops on. I had no interest in oriental design but a designer convinced me it was all the rage so I spent more $$ than I should have on wall art, uncomfortable furniture and little brass or china things to sit around on shelves. I felt like a fool. But the time before I did the Ethan Allen look with floral wallpaper and my house looked like Ralph Lauren exploded in it. Never trust a designer whose name ends in "i" like Bambi, Wendi, Mandi, Tami, etc. (Just kidding all you "i" people). So where am I today? Well, we sold our large home and I gave away a lot of the furniture to the kids (they really didn't want it) and what I didn't sell in a garage sale I gave to goodwill. Some lady shopping in a thrift store is wondering who will ever buy those ugly brass bookends. The children are all grown and my hubby and I are downsizing, we bought a cute historical cottage in a great neighborhood and with the help of an architect enlarged it some and made it fit our lifestyle. Gone is the formal living room, we only have one eating space (dining room) plus the kitchen bar/island, gone is the masterbath big enough to park an 18 wheeler in, and in is relaxed and cozy with a screened porch with a fireplace on it, rose garden, open kitchen, and a small carriage house for guests. I am having a fun time decorating it with MY style whatever that is and old enough I don't care what anyone else thinks except hubby. But it took me years to get to this place. After being married 40 yrs lots of stuff has worn out or just sick of it so it's fun buying new things. I think life for everyone is more relaxed than it used to be so lots to choose from. I use magazines, this forum, travels, etc to get ideas. I am also taking it slow, not feeling it all has to be done at once so I get something and live with that and it helps me see where I want to go next. Then I confess I do have some boxes in the attic of stuff I can't part with but really don't want and neither do the kids. I guess after we're gone the kids will get rid of it. Things like wedding presents, I had a big wedding 40 yrs ago and got silver revere bowls, silver nut bowls, candy dishes, expensive china figurines, stuff you can't quite part with but hardly ever used. We just don't entertain formally anymore. Also your taste does develop over time so probably you do have to make mistakes to figure out what you like and don't like. When I first got married we bought a large mediterranean sofa with arched cushions on the back, little wooden knobs between cushions on back, large wooden arms and it was some gold/brown mix and I was so delighted that we bought a gold velvet chair to go with it. Geez!! But at the time, I thought it was terrific. We had it through lots of kids and dogs. Don't beat yourself up, pay this designer off and tell her bye, try to make some lists of what you like and develop your style and take it slow....See MoreFrugal Wedding Advice Needed!
Comments (33)So in a nutshell, a frugal wedding can be done if you have the cooperation of family and friends and organization on your part. A trick I learned from an event planner--Visualize exactly what you want it to look like and then work backwards to make it happen. borrow as much as you can. Need a fridge in the barn? borrow one. Some people have extras in their garages and don't know what to do with them. A stove to warm things up? borrow. People love to help. Remember to show your appreciation. A mention at the reception or a written thank you. Put the whole thing on paper, from when you arrive at the farm to the ceremony, cocktail hour, reception. all the activities, all the cooking times, when this happens, when that happens. It will give you an idea of what you need, when and where. Invitations--colored paper and envelopes, save the date postcards, card stock, get four out of each piece, thank you's from walmart--or make them yourself, more heartfelt. Clothing--clearance racks, used or borrowed. For the guys, kahki pants and nice shirts and ties that match. (JC Penney) Forget the Tux or suit. Decor--flowers from fields in your area, twigs, grasses and grocery store florists. Make it yourself, many books out there on how to do it. This might even be an idea for your boquets and boutteniers...forget the tulle or use very little. Ribbon is big now. Twinkle lights, fairy lights--I just bought 20 boxes of white Christmas lights for .60$ each after the holidays. Reception--biggest expense. Everything make ahead. Pork loin, Chicken Breasts, a Turkey. Everything paper or plastic, good quality. Make your cake or grocery bakery. rent tables, chairs and tablecloths, you can use the chairs for the ceremony too. Boxed White Zin wine (it's what restaurants use?!, you can cover the boxes with pretty paper), beer kegs, appetizers, chips and dip from Sams or Costco. bottled water and pop. Don't forget cleanup. Maybe the Dad's can bartend? I'd find a couple to "host" the cocktail hour just to make sure things get done (music, food, make sure people are taken care of) and go like you want them to go. Remember, you will be taking pictures and the Mom's will be getting dinner out and the Dad's will be bartending, maybe....get everybody in place before the event, don't wait till the last minute. Always have a plan B for most everything. Have a little money to spend? have a square dance caller and the square dance club out to your place for entertainment and for fun. What would be more appropriate for a farm wedding? OK, these are just ideas, they can't all be solid gold. Make sure you have enough lighting in the barn and around the yard. Can you use square haybales for seating somehow outside the barn? or even inside. Not everyone is going to want to stay indoors if it's nice outside. Music--recorded ahead of time in the order you want it played. Your fiance may like to do this but find someone who can press play and pause for you and doesn't mind doing it all night long, make sure he or she gets a break once in a while during the evening. If you can't afford an MC, maybe you have an outgoing friend who wouldn't mind getting up and announcing activities for you. Don't depend on things flowing smoothly by themselves, have someone in place to help it along. And just a side note--I gradated from college three yrs ago and have yet to pay on my loans due to deferments. They will work with you for a long time....See Moregolddust
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