This article was originally published at HiCharlie.com We’ve come a long way since the Mad Men-esque era of the 50s and 60s, when financial security for women came exclusively in the form of a man. At least that’s according to the findings of a new survey from Charlie. We surveyed 533 single (defined as never married) women ages 18 to 40 in to find out how they think about finances when it comes to finding “the one.” According to the results, women are waiting until well into their relationships to have the “money talk.” If they don’t like what they hear, bad news: most women view potential beaus or belles with a large amount of debt as more of a liability, than an anchor. The majority of single women these days don’t believe that marriage is necessarily the ticket to financial stability. But to understand where we’re at now, it’s important to take a look at where we came from. A Brief History of Women’s Financial Rights Back in the “good old days,” our grandmothers had little choice but to attach themselves to a man — for better or for worse — in order to gain financial security. Not surprisingly, these unions weren’t always the most compatible. Oftentimes, men controlled the paycheck and the checkbook, and that in turn controlled the women they supported. Thankfully, things have changed over the years due to hard work from civil rights activists. Sweeping changes were made to make things fairer for everyone, including people of different races, religions, nationalities, ages, and — gender. Here are a few milestones:
Women are More Reluctant to Marry Debtors One of the biggest standout statistics from our survey was that 58% of single women would be hesitant to marry a partner with a lot of debt. Given the massive increase in student loan debt among college graduates these days, that’s a tough prospect. Take the graduates of the class of 2017, for example. Among students who had to take out loans (about two-thirds), the average debt burden after graduating was $28,650, according to The Institute for College Access and Success. And that’s before you add on credit card, mortgage, or other debt. An important factor here is debt-to-income ratio. A doctor, for example, may pop out on the other side of med school with six-figure debt, but he or she may also be able to make a six-figure salary right out of the gate. Someone with $100k worth of debt after studying underwater basket weaving, however, may be a different story. Similarly, it’s important to take into account what type of debt someone has. Did they take out a student loan with the aims of getting a high-paying job? Or did they take out a series of payday loans to pay for a bad gambling habit? Or do they have credit card debt from splurging on habits they can’t afford? Context is important and can help women suss out potential marriage partners who may still be very financially-responsible despite carrying a large amount of debt. Women Don’t Like Having “The Talk” Early On In a Relationship Understandably, learning the finer points someone’s debt situation can be a little tricky , even if it is important. We have so many emotions and tensions surrounding finances, and for good reason. Few of us were taught good skills and behavioral habits for managing our money, and even fewer of us were raised having open and healthy conversations about finances. That’s why it’s no wonder that many women prefer to have the money talk later on in their relationship, once they’ve developed a lot of trust with their partner. In fact, according to our survey, 48% of single women said finances should only be discussed at all in a serious relationship. Discussing finances early can save a lot of heartache later on. Some things may be easy to spot early on, like a penchant for buying pricey gifts on every date despite your beau (or belle) driving a beater. But other things, like past bankruptcies or foreclosures, are more difficult to catch. The only way to know is by opening up and having a conversation about what’s important to you. After all, many people list whether they’re interested in kids, overseas travel, or expensive hobbies in their dating profiles. Yet, 74% of single women specifically would not want to see financial measuring sticks like credit scores or student loan debt in dating profiles. Most Women Don’t See Marriage As The Ticket to Financial Stability We know women don’t necessarily want to tie themselves down to a heavily-indebted spouse. And we also know women can do (virtually) all of the same things as men, like renting an apartment, having a meaningful career, travel, opening a bank account, or buying a house. These two factors combined have led to a grand conclusion: 66% of single women don’t see marriage as the only path to financial security. And that’s a good thing. There are so many things that can happen by putting all of your financial eggs in one basket. Your marriage could (sadly) end in divorce. Your spouse could develop new bad financial habits. Plus, it’s no secret that pensions are becoming a dying breed, making it more important than ever for everyone — men and women — to save for their own retirement. Whether you’re currently married or not, it’s important for everyone to retain some semblance of financial independence. You can do this by considering a prenuptial agreementor considering whether combined — or separate — finances are right for you. Some experts even advise each spouse — even stay-at-home-moms — to keep a separate “freedom fund” to kick-start their newly-single life in case it’s ever called upon. The last thing you want is to be stuck in a relationship that’s not working because you can’t afford to leave. Women’s Attitudes Towards Relationships and Money are Changing, and Often for the Better It’s no secret that the relationship between money and marriage is changing, and for women this gives us insight on why they may be more hesitant to lock down a marriage partner. After all, if you can retain your own financial independence in a marriage, why else marry (or stay married) but for love? A lifetime of happiness — financial and otherwise — is something that we can definitely get on board with.
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by Bride.com
This is the moment you've been waiting for. Holy moley, you have an engagement ring and you're getting married! It's so surreal, yet definitely happening, and like it or not, the hours, days, and weeks following that proposal are guaranteed to be a whirlwind. There are so many things to think about, so many people to contact and so much to get done. Don't be overwhelmed. You have plenty of time to plan the rest of your lives but if you're like most newly engaged people, you'll be itching to share the news with all your friends and dive into the actual wedding planning part headfirst. Pinterest boards, bridal magazines, blogs, dress shopping, venue hunting...the list goes on and on. Years of watching wedding movies couldn't have prepared you for what's to come (trust us, it's totally different). While the average engagement lasts a year to a year-and-a-half, there are certain things you'll want to get done stat — no matter how long you plan on being a fiancé. So where do you get started? There's no strict order to follow as long as you tackle the immediate to-dos. Committing the rest of your life to the love of your life is scary and amazing and the best kind of stress, however, it's a major, major milestone, and planning a wedding together is the icing on the cake — we promise! Call Your Parents And your siblings and BFFs too (unless you are keeping your engagement under wraps for a while). The last place they should have to hear about your new status is on social media, so give them a ring personally and tell them the happy news. Chances are, mom and dad already know what's up and have been waiting by the phone patiently for your call. Get a Manicure Your hands will be in the spotlight for the next couple of weeks, which means your manicure best be on fleek. Or, if you're going for the natural look, make sure your nails are clean and shaped. Otherwise, friends will be focusing more on your chipped nail polish than your gorgeous engagement ring. Not cool. Post a Ring Selfie A picture is worth a thousand words, right? If you're ready to share with the world that you're engaged, open up that Instagram! Take a ring selfie or a sweet pic of you and your fiancé to share the love. Even better—if the actual proposal was caught on film, nothing is better than that look of surprise. And don't forget to make it Facebook official! Cheers!Round up some of your best friends and family and go out for a celebratory drink, or have a special date night solo if that's more your style. You're engaged, and that's totally worth toasting. Get Your Ring InsuredWe know, we know — it's not exactly the most romantic or exciting thing in the world, but it could wind up saving your butt in the long run. When added as an extension to your homeowner or renter's insurance policy, it's surprisingly inexpensive. Take A BreatherDon't jump into wedding planning right away! Take a week or two to let the news really sink in and to just savor the moment. Trust us, you'll have enough stress over the next twelve (or so) months to last you a lifetime. Get Your Ring SizedIf the ring fits, great, and if not, you'll want to take it to your jeweler stat to get it sized — especially if it's practically falling off your finger. After all, you'd hate to throw thousands of dollars down the drain mere moments after saying yes. Think About A DateThe most desirable wedding dates and venues get booked far in advance so if you're hoping to get hitched in the next year or two, it's a wise idea to start thinking about dates now. Find out what works for both your families and if there are any potential conflicts. Research Wedding VenuesRemember: You can't book a date until you've nailed down your dream venue! Do some research online first, or maybe you already have a place in mind and can call to get more information on pricing and availability. Determine Your Wedding SizeWhether you're going big or keeping it small, being on the same page about this one is so important. Get your family's input if it matters to either of you or if they'll be footing the bill. Once you've agreed on a rough guest count and budget (we'll get to that next), you can commit to a venue. Discuss a BudgetMoney talks, but unfortunately, no one likes to talk about money. It can be, well, awkward. However, before you can really move forward with any of your wedding plans, this is a discussion that has to be had, be it between you and your spouse, or you, your spouse, and the parents. Build A Wedding WebsiteAt the very least, look at your options and decide whether you'd prefer to create your own from scratch or use one of the many wedding website templates out there. Check out the pros and cons, and then pick together. Gather InspirationCreate a Pinterest board, Google Doc, save photos on Instagram, or create a folder on your computer to compile imagery of your favorite wedding elements. Keep it to yourself just for organizational purposes, or share with your wedding planner, mom, friends, fiancé, and whoever else to view and contribute. Choose Who Will Be in the Bridal PartyHow many bridesmaids or groomsmen do each of you want? Are you cool with having odd numbers or is an even number a must? Does one of you (or both) want a bridesman or groomslady? Will you have a maid of honor or best man? No matter what, you need to discuss these things before one of you starts popping the question to friends. Interview Planners and/or VendorsIf you're considering bringing a professional planner on board to help with logistics and décor, ask around for references and do a little online research, then set up some interviews. For the vendor referrals alone, a wedding planner is totally worth their weight in gold! Or, for smaller affairs, go directly to the source and check out a few vendors on your own. Check Out Trunk Show SchedulesHave your eye on a specific wedding dress designer? You don't have to make a mad dash to try on dresses just yet, however, you may want to peep their trunk show schedule to see when they'll be in town (or where you'd have to travel to) and how much of a discount you can score on the new collection. Plan An Engagement Party(If you want one at all.) Do you want to plan it or hand the reins over to parents or friends? Do you want to go low key and have it at your home or in a friend's backyard? Would you rather everyone meet at your favorite bar for drinks or rent a space for a catered dinner? Either way, just make sure to do whatever fits the vibe of your relationship! Relax!Do something fun, just the two of you. Mini golf, bowling, ice skating, a trip to the beach — whatever floats your boat and brings out the kid in you both. Wedding planning can be insanely stressful from the get-go, so try to find the humor in things and take some time to laugh, reconnect, and remember why you're getting hitched in the first place. 30 Essential Wedding Planning Tips and Tricks Cover all your wedding planning bases with these expert tips no to-be-wed should be without. by The Knot When planning your wedding, there are things that are nice to know, and there are things you need to know—advice so essential any bride who's lucky enough to hear it thinks, "I'm so glad someone told me that!" If you're wondering whether there's something you may have missed (or even if you've got everything under control), check out our indispensable planning secrets below. 1. Guests Come First Get a grip on the approximate number of guests you'll invite before settling on a venue. This will ensure there's ample space for your crew. As a rule of thumb, allow for 25 to 30 square feet per guest. That may seem like a lot, but it's really not if you count the space you'll need for the tables, bustling waiters, the band and a dance floor. 2. Investigate Wedding Blackout Dates Know ahead of time if your wedding date falls on the same day as a trade conference, charity walk or other local event that could affect traffic and hotel room availability. Here's a handy list of potentially problematic wedding dates coming up in the calendar. 3. Listen to Mother Nature Heed the weather and other potential annoyances. Guests have been known to skip out early from hotter-than-hot summer tent weddings and improperly heated winter loft receptions. Bugs (gnats, deer flies and mosquitos) also swarm in certain areas during certain seasons. Consider renting pest control tanks to alleviate the problem or including bug repellent in guests' gift bags. And if you want a sunset ceremony, make sure you know when to say your vows by checking SunriseSunset.com. Oh—and always, always have a Plan B for unexpected weather snafus. 4. Check Your Credit Take advantage of the high cost of weddings and sign up for a credit card with a rewards program. Whether it gives you airline miles or great shopping deals, consolidating all wedding-related purchases to this card will help you accumulate thousands of rewards points (which could be used for your honeymoon). 5. Pay It Forward Let one vendor lead you to another. Your wedding photographer can tell you which florist's blooms really pop, and your reception manager should know which band consistently packs the dance floor. 6. Lighten Your List The easiest way to trim your wedding budget? Cut your guest list. Remember, half of your wedding expenses go to wining and dining your guests. If it's costing you $100 per person, eliminating one table of 10 can save you $1,000. 7. Ask and You Might Receive Request an extra hour for cocktails or for your band to throw in that Frank Sinatra sound-alike before you sign on the dotted line. Most vendors would rather secure the reservation than nickel-and-dime you early on (which might turn you off of them). Later on, though, they may be less inclined to meet you halfway. 8. Make a Meal Plan Another unforeseen expense? Feeding your wedding day crew. Before you sign the contracts, make sure you're not required to serve the same meal to your vendors that guests will receive. Otherwise, you could be paying for 20 additional lobster tails. Choose a less expensive (but equally hearty) meal for them instead. You will have to let your wedding caterer know a couple of days before the wedding exactly how many vendors you need to feed (don't forget photography assistants and band roadies) and what you want them to serve. 9. Get Organizationally FocusedIn a three-ring binder, compile all your correspondences with vendors, notes you make during meetings, and photos or tear sheets from magazines you want vendors to see. Set up a special email address dedicated to your wedding, and store important vendor numbers in your cell phone. For on-the-go planning that keeps everything in one place, download the The Knot All-In-One Wedding Planner app to keep all of your planning info digitally on-hand at all times. 10. Tend to Your BarTypically, you need one bartender per 50 guests to keep the line at a minimum. But if you're serving a signature cocktail that cannot be made ahead of time (or in large quantities), consider adding an extra server designated to this task. 11. Leave Some Room in Your WalletYour wedding budget should follow this formula: 48 to 50 percent of total budget to reception; 8 to 10 percent for flowers; 8 to 10 percent for attire; 8 to 10 percent for entertainment/music; 10 to 12 percent for photo/video; 2 to 3 percent for invites; 2 to 3 percent for gifts; and 8 percent for miscellaneous items like a wedding coordinator. It's essential to allocate an extra 5 to 10 percent of your money for surprise expenses like printing extra invites because of mistakes, additional tailoring needs, umbrellas for a rainy day and ribbons for the wedding programs. 12. Don't Be Afraid to AskYour wedding vendors should be your go-to, most-trusted experts during the planning process. When working with them, you should feel free to really explore what it is you want—maybe it's serving a late-night snack instead of a first course or doing a bridal portrait session rather than an engagement session. The bottom line is that you should feel like you can have an honest conversation with them about what it is you want. Their job will be to tell you what you can and can't make work given your wedding budget. 13. Wait for a DateSometimes, last-minute planning can work in your favor. The closer your date, the more bargaining power you have. Since most people book their wedding venues at least six months in advance, calling for open dates two months prior to your desired time can save you up to 25 percent. And, Friday and Sunday weddings should cost about 30 percent less than Saturday weddings. 14. Manage the MailOf course you want the perfect stamps for your wedding invitations. But not all stamps are widely available at every post office, especially in large quantities. Save yourself scouting time by ordering them online at USPS.com. And be sure to weigh your invitation and all the additional paper products before you send them out so you can attach the right amount of postage. Ask your stationer about the need for additional postage for oddly shaped envelopes. 15. Prepare for RejectionKnow that as a rule, about 10 to 20 percent of the people you invite won't attend. Naturally, this depends on the location of your wedding (destination weddings are harder to attend), how many out-of-towners are on your list, and the timing of the event (some guests may have annual holiday plans). 16. Make a Uniform Kids PolicyYou have four choices: You can welcome children with open arms; you can decide to have an "adults only" wedding; you can include immediate family only; or, you can hire a child care service to provide day care either at the reception space, in a hotel room or at a family member's home. To prevent hurt feelings, it's wise to avoid allowing some families to bring children while excluding others (unless, of course, the children are in your bridal party). 17. Prioritize Your PeoplePare down your guest list with the "tiers of priority" trick. Place immediate family, the bridal party and best friends on top of the list; follow with aunts, uncles, cousins and close friends you can't imagine celebrating without. Under that, list your parents' friends, neighbors, coworkers and so on. If you need to make some cuts, start from the bottom until you reach your ideal number. 18. Take It One Step at a TimePut together a wedding planning schedule and do things one by one, in a logical order, so you don't take on too much too fast and end up with everything snowballing around you. Don't hire any vendors before you've confirmed your date; don't design your cake before you've envisioned your flowers; and don't book a band before you've settled on a space. 19. No Ring, No BringIf your guest list is bursting at the seams, assess the plus-one scenario. Do a faux seating chart in your mind, and imagine whom your single pal would sit with. If it's a table of singles that she knows pretty well, then you're all set. If it's a table of couples (making her the odd one out) or if it's a table of singles where she won't know anyone, consider bending the rules. If asked why you're not allowing single friends to bring guests, size or budget constraints or your parents' never-ending guest list are always good reasons. 20. Release RoomsAs soon as you've picked a date, start to look for hotels in a wide variety of price points. Many hotels allow you to reserve rooms for guests under a special wedding block and a reduced rate. You can then release any unbooked rooms a month prior to your wedding. If the hotels you contact insist upon contracts with cancellation penalties, just say no—you don't want to be responsible for rooms you can't fill. 21. Provide Accurate Driving DirectionsMake sure guests know where they're going. As easy as online map programs are to use, sometimes the directions are wrong or there's a quicker, less traffic-prone route to take. Ask your ceremony and reception sites for printouts or digital copies of recommended driving directions and even test out the routes yourself. Then include the best directions on your wedding website or email them to your guests to print out if they'd like. 22. Keep a Paper TrailGet any nonstandard changes to your agreements in writing or send the vendor a confirmation email saying, "Hello, just confirming that you'll keep the venue open until 2 a.m. versus midnight." Don't just assume everything's all set—sometimes, by the time the actual day rolls around, your contact for a certain may no longer be working there to vouch for you. 23. Schedule the SetupYou must make sure there's ample time for setup. If you're renting a venue and bringing in outside help, ask what time people can come in to start setting. See if they can do it the day before, or at the very least the entire wedding day, before the event starts. 24. Learn About Marriage LicensesYou can check your state's license requirements online, but confirm with a call to the county clerk's office to see when they're open. Even if it's open from 9 a.m. to 5 p.m., they may issue marriage licenses only during slower times like, say, Thursdays from 2 p.m. to 3 p.m. Give a copy of your marriage license to your mom or your maid of honor (just in case you lose yours during the final days before your wedding). 25. Go Over Ground RulesBe prepared—ask the manager of the house of worship or site where you'll be married for the list of restrictions (if any). For instance, is flash photography or bare shoulders prohibited? Or, if you're exchanging vows outdoors, are you allowed to plant tent stakes in the lawn (which is often not allowed)? 26. Classify Your CashWedding budgets are all about balance. Start your budget planning by making a checklist of the crucial details, like the music, your wedding gown, the invitations, the flowers and the photographer, and assign a number to each—one being the most important and three being the least. Invest your money in all your number ones and cut corners on your number threes. (But everything can't fall into the number one category!) For example, if a designer gown and fabulous food are what really matter, you may have to choose simple invitations and smaller floral arrangements. 27. Help Guests Pay AttentionMake sure your guests can both see and hear from their seats. If people are seated farther than 15 rows back from your ceremony altar or podium, consider renting a mic and a riser. This could range anywhere from $50 to $100, depending on the equipment used. You'll need to coordinate the delivery and setup with your ceremony space, so put your wedding planner or best man in charge of this task. 28. Write Down Your DigitsKeep an emergency contact sheet or phone with your vendor contacts on you on your wedding day—it may come in handy in case your limo driver gets lost or you decide you'd like your photographer to take some behind-the-scenes shots. 29. Call the Fashion PoliceDon't go dress shopping on your own—all the gowns will start to look the same after a while and it will be harder to recall which style you really loved. But be careful about who you do bring. If your mom or sibling can't make the trip, ask a friend who is truly honest. This is the time when you really need to know which dress looks best. 30. Be Realistic With Your TimeWhen it comes down to the last month of your planning (and when you're particularly harried) look at your mile long to-do list and cut three things. Yes, cut three things. Not crucial things you just don't feel like doing, such as picking a processional song or confirming final details with all of your vendors. Eliminate only the over-the-top tasks like hand-painting "Just Married" signs, or baking cookies for all of the welcome bags. Cross them off and make a pledge not to think about them again. By BankRate Whether you’re in the middle of planning your wedding, newly engaged or just beginning to discuss marriage with your partner, it’s never too soon to be on the same page about your finances. Marital discord is often attributed to disagreements about money, whether it’s a partner’s spending habits, accumulated debt, or financial philosophies. It’s important to discuss financial goals with your partner to help prevent conflict throughout the marriage. According to a Suntrust survey, only 51 percent of Americans actually discussed how they would handle finances before getting married. In fact, nearly 60 percent of couples reported they didn’t disclose their own salaries before marriage, and only 36 percent revealed their debt. When you begin considering getting married or before you walk down the aisle, set aside intentional time with your future spouse to create a financial plan to position your wedded union for success. Be open and honest about personal debtIn your vows, promising a lifelong devotion to each other, such as for richer or poorer, means all of you – even debts like credit card bills or hefty student loans. It’s important to be sure your partner knows all about your finances and financial values before the big day. Because most romantic partnerships are built on trust, it’s important to be open and honest with your future wife or husband about your personal finances, including any debts you may have. Consolidate your debts Most likely, you both have some consumer debt from credit cards, medical bills, or student loans; debt consolidation can help you get your finances in order. Sit down together and make a list of all your personal debts, then decide if you should consolidate your debts individually or jointly with a personal loan. This process involves combining several debts into one, which can help you reduce your monthly payments and pay less in interest, ultimately helping you pay off your debts faster. Personal loans are ideal for persons who have moderate debt and good credit scores who want to simplify or accelerate repaying their debts. If you or your partner qualify for a personal loan with manageable rates and have an active plan to control your spending and reduce your debt, you can quickly knock out high-interest debt by consolidating your debt with a personal loan. Borrowed from a bank, credit union, or online lender, a personal loan is borrowed money that doesn’t require collateral and can be repaid in fixed monthly payments. Personal loan rates are largely determined by your credit score, though your annual reported income and the amount you want to borrow are other factors that determine the final loan amount. Between gathering documents, checking credit scores, and signing paperwork, consolidating your debts can be a lengthy process. As you and your spouse make preparations, be sure to get an accurate report of yours and your partner’s credit scores and evaluate your debt to income ratio. Evaluate your credit standing If one of you have a low credit score (300 to 629), take steps to build the credit; don’t consolidate debts into a joint account, as it can lower the higher credit score. One way to build credit is with a credit-builder loan, which is a forced savings program that reports your timely payments to credit bureaus. Other ways to increase your credit score include reducing and managing debt, receiving credit for paying rent on time, and research payment options and protections for repaying student loans. Calculate your debt to income ratio Calculating your debt to income ratio as a couple is key to making a financial plan moving forward. It is calculated by dividing your monthly debt payments by your monthly gross income. Lenders use this percentage to decide how well you manage your monthly debts and if you are able to afford a loan repayment. This ratio is often used by lenders when applying for a mortgage, car loan, or home equity loan, so it’s important to keep it below 36 percent. For example, if your total annual income for you and your spouse is $55,000 and you have $22,000 in credit card and student loan debt, a lender may deny your application. Choosing between joint or separate accounts You might be sharing a closet and the television remote now, but you don’t necessarily have to share a bank account. Together, you and your partner should decide if you want to combine your finances or keep them separate. Should you and your partner decide you want to pay bills from a joint account but have individual spending and savings accounts, you’ll want to be sure to move the money to the joint account as soon as your direct deposit hits so you aren’t scrambling at the end of the month when the electricity bill is due and the joint checking account is low. To reduce monthly recurring expenses and eliminate overlapping bills, like gym memberships and cell phone bills, consider selecting a family plan that provides savings when more than one person is on the account or contract. If you and your partner do decide to combine your finances, be sure to sit down with a trusted financial advisor who can help you and your partner determine which assets to hold jointly or separately. To prenup, or not to prenup Considering a prenup can be a tricky conversation to have with a spouse. But a prenup, or prenuptial agreement, is a legal document that sets expectations for the division of assets should a couple divorce – and it can be very beneficial for some couples. For persons with substantial premarital assets, an expected inheritance or family wealth, or massive debt, a prenup can protect an individual from financial ruin in the event of permanent separation. To be valid, each partner will need to have their own attorney to draft a prenup. Though the agreement has been historically rare, millennials are increasingly drawing up these contracts to protect their wealth. Now that couples are getting married later (according to a United States census, women were getting married at age 27 in 2010 compared to age 21 in 1950), individuals are accumulating more assets and debt than ever before. A prenup can include protection against a spouse’s debt, protections for family property and estate planning, and detailed spousal responsibilities. A prenup cannot include custody arrangements, waivers of rights to alimony, or deeply personal (rather than financial) information. Prenups can be created based on how long a couple has been married and can be nullified if the original document states the prenup will expire after a certain amount of years have passed. Financing the big day Discussing how you and your partner will pay for the wedding is another conversation and expense to consider ahead of time. It may be tempting to splurge on floral bouquets or to treat your guests to an open bar with signature drinks, but wedding costs can add up faster than you can say “I do.” The average cost of a wedding in the United States in 2018 was $33,931, according to a survey on TheKnot.com. The table below highlights the average costs of a few major wedding expenses: Average wedding costs Average costVenue$15,439 Reception band$4,247 Reception DJ$1,292 Flowers and decor$2,411 Wedding/event planner$2,002 Photographer$2,769 Videographer$2,021 Wedding dress$1,631 Groom’s attire$283 Ceremony site$2,382 Rehearsal dinner$1,297 Many couples who don’t have enough savings allocated for wedding expenses opt for a personal loan to cover the cost of tying the knot. The key to sticking to your original budget – whether big or small – is saving every penny you can and setting priorities. Some couples delay their wedding by having a longer engagement period, which gives them more time to stash away cash for the big day. Non-traditional options to save money If you and your spouse would rather spend your earnings and savings on a honeymoon to the Maldives or a down payment on a new home, there are several ways to cut wedding costs. Sending electronic invitations instead of paper invitations, using in-season blooms, and selecting a store-bought cake are some of the ways you and your partner can create savings. You can also implement non-traditional approaches, like having your wedding on a Thursday afternoon or hosting it in a brewery or beach house, to keep costs low. Happily ever after Now that you and your partner have made big decisions about consolidating debt, combining finances, creating a prenup agreement, and allocating dollars to wedding expenses, you may get the impression that your financial preparation is complete. But the wedded bliss – and joint financial decisions – is just getting started. Together, you’ll want to decide how to conquer large or unexpected expenses and choose what to save for, such as a home, car, or the next vacation. To ensure you and your partner are financially protected, create a family budget and consider setting up an emergency savings account and a plan for unforeseen expenses like unemployment, natural disasters, or medical bills. With a financial plan in place, your money habit and philosophies and the melodic tune of the wedding bells can chime in perfect harmony. Pros of Having a First Look Contemplating a first look?
By The Knot More couples are doing first looks—45 percent, to be exact, according to The Knot 2016 Real Weddings Study. Although nearly half of couples decide to sneak a peek at each other before walking down the aisle, the choice usually comes after a fair amount of deliberation. So what's the best decision for you? Pro: You save time by taking the bulk of your photos together before the ceremony.Pair your first look with couple portraits (and wedding party shots) before your ceremony to translate that romantic feeling in photos and free up more time to enjoy cocktail hour with guests. Just make sure that whatever secluded spot you choose, it's one that's away from any guests to prevent them from seeing you. Pro: A first look could ease any nerves before the ceremony. If you're an especially emotional person, or you know you're going to be jittery or nervous, a pre ceremony glimpse may be the way to go. Besides doing your first look photos, you can also maximize this time to sneak in a few moments alone with each other that you may not get later on. Pro: If you're worried about crying at the altar, you can get your tears out of the way before. It's every bride's dream not to sob at the altar with mascara all over her face (one glistening tear hardly ever happens), so if you know you'll likely turn on the waterworks during the ceremony, a first look could help get some of your feelings out beforehand. Your first look photos will be that much more emotional and moving, and you'll have plenty of time for makeup touch-ups before the ceremony. Simple Tricks for Looking Thinner in Photos
We have all seen photos of ourselves where we simply weren’t happy about how we looked. It’s easy to be your own worst critic but it’s even easier to make small changes in how you pose for photos in order to look slimmer and more confident.
Wedding Planner Jove Meyer Shares How to Create the Most Personalized Wedding EverJove Meyer, go-to planner for LGBTQ+ couples, reveals pro tips for a one-of-a-kind wedding that’s truly your own.
by The Knot We sat down with wedding planner Jove Meyer, Brooklyn, New York–based owner and creative director of Jove Meyer Events—and the brains behind The Knot Dream Wedding couple Elena Della Donne and Amanda Clifton's fall 2017 nuptials—to talk about his experience as a tastemaker in the industry of love. It’s safe to say he knows a thing or two about planning LGBTQ+ weddings that speak directly to couples and bring their loftiest visions to life. From totally tossing tradition to creating special ones of your own, here’s how to make your wedding day one of a kind and truly yours. It’s easy for couples to get caught up in the idea of what they "should" do on their wedding day. What advice do you have for those hoping to put a personal spin on traditions?"There are no real rules when it comes to LGBTQ+ weddings, so I encourage all couples to invent their own. That being said, take a step back and ask yourself why you’re taking part in a specific tradition. Does it hold any personal meaning for you and your fiancé, or are you doing it simply because it’s expected? Your wedding shouldn’t be filled with antiquated customs or meaningless moments—every detail should feel authentically you." What are some unique ways LGBTQ+ couples can put a personal stamp on their ceremony?"LGBTQ+ weddings are still so new that couples can do whatever they want to celebrate their union. Play with where the ceremony takes place, how it unfolds and who is involved. Host a ceremony in the round with four aisles, or invite guests to a standing ceremony sans aisle and chairs." What’s an example of how you’ve helped a couple bend the rules?"I recently worked with two grooms that flipped their processional on its head by gathering guests in the venue's foyer prior to the start of the ceremony. Rather than walking down the aisle with all eyes on them, the couple invited friends and family to walk down the aisle toward the altar, where they waited with their officiant." When researching potential wedding pros, what’s the easiest way to determine if a vendor or venue is LGBTQ+ friendly? "Your planner should be able to vouch for other equality-minded businesses. You can also look at the vendor’s website to see if any photos or information shows support for LGBTQ+ couples. If you love their work but fail to see obvious support of marriage equality on their online bio or gallery, send an email inquiring about their services." Read more about finding LGBTQ-friendly pros here. 6 Questions You Should Be Asking Your Photographer
5 Wedding Superstitions You Can Totally Ignore
Jealousy, evil spirits and bad luck omens? Puh-lease. Here are wedding day myths you can forget about—or put your own twist on. by The Knot There are a lot of wedding superstitions out there, both good and bad, but trying to keep up with them will only add to your wedding stress. Our advice? Forget about them. This list has all the silly superstitions that are perfectly okay to ignore—or to put your own twist on with a little creativity. 1. You can't see each other before the wedding. The Superstition: Back in the day, couples weren't supposed to see each other until the last minute, so the groom didn't have the chance to change his mind. (We know—crazy, right?) This custom gradually morphed into the general idea that it was bad luck for a groom to see his bride on their wedding day. Our Take: Today, some couples stick to tradition because they like the excitement and anticipation of seeing each other for the first time at the ceremony. But we say, do what makes you happy. We know lots of couples who've bucked tradition and stayed in the same room the night before, had breakfast together the morning of and (most conveniently) scheduled their joint photo session with their photographer before the ceremony. Nothing beats an emotional first look photo, and it'll help calm your nerves and up the excitement to have a moment together before your "I dos." 2. Steer clear of yellow roses (or you'll be green with envy). The Superstition: During the Victorian era, The Language of Flowers—a book that assigned flowers different emotions and meanings—was popularized all over Europe. According to the volume, tulips stand for love and passion, and stephanotis means marital happiness. On the flip side, yellow roses were said to symbolize jealousy. Our Take: If you love a flower, give it your own special meaning, especially if it has some significance to you, and don't worry a bit about what those Victorian florists would've said. We've seen some seriously gorgeous yellow floral arrangements (without a hint of jealousy in sight). 3. You're doomed if you drop the ring. The Superstition: Get ready for this dramatic idea: As tradition goes, if someone dropped the ring during the ceremony, it meant that person would die. Our Take: Obviously that's some grade A nonsense. But it does lead to another a good point—if you have a ring bearer handling your rings (especially one who's very young), make sure your wedding bands are tied tightly enough, and that you hand the ring pillow off to him at the last minute, just before he walks down the aisle. No, you're not doomed if the rings fall, but it could be a little awkward and stressful. 4. The bride has to be carried over the threshold. The Superstition: Ancient Romans believed carrying the bride over the threshold of the couple's home protected her from evil spirits. Our Take: Do it for fun when you get home from the honeymoon, if you want, as a nod to a harmless tradition. Or give it a contemporary twist: Walk hand in hand into your new home together instead. But we're pretty sure evil spirits have got nothing on you, so don't take this one too seriously. 5. Don't get married on a Saturday, in May or on the 13th of the month. The Superstition: This actually refers to several superstitions. According to English folklore, Saturday is the unluckiest day of the week to marry, while Wednesday is supposed to be the best. But it looks like this myth hasn't affected anyone's preference for saying "I do" on a Saturday (it's by far the most popular day of the week to do it). The fear of marrying in May actually dates back to the Romans, who held their festival for the dead in May. There's even a nursery rhyme that reads, “Marry in the month of May, and you'll surely rue the day." And finally, there's the infamous unlucky number 13. Our Take: Attempt to book your dream venue while following those calendar-related myths and you'll immediately understand why you should ignore them. Unless your family tradition dictates you find a lucky or auspicious wedding date, choose any beautiful wedding day that works for you, and don't look back. The Top 20 Wedding Photography Mistakes Not to Make
Here's what not to do, according to the pros themselves. by The Knot Not to play favorites—because we love all vendors—but your photographer is one of the most important pros you'll have at your wedding. After all, they're solely responsible for the wonderful wedding photos you'll get to pore over, cherish and have as a keepsake forever. And if you want those photos to be as perfect as possible, you're going to want to listen to what some professional photographers have to say. Read the biggest mistakes professional photographers have seen other couples make—so you can avoid them—below. 1. Not Finalizing the Wedding Day Schedule" Talk to your photographer before finalizing the schedule for your wedding day. There's a lot to consider in terms of photographing and natural light. Certain times of day are more photogenic than others (midday sun casts harsh, unflattering shadows on the face while late-day sun casts a beautiful, warm glow on everyone). 2. Not Sticking to the Finalized Schedule" Pay attention and respect the schedule you and your photographer to your wedding. Being an hour late can make or break your images. Don't just assume it only takes 10 minutes. 3. Letting Relatives Get in the Way" We have a name in the industry for a guest who shows up with pro photo equipment and takes 'unofficial wedding photos'—we call him Uncle Bob. Uncle Bob may think he's doing you a favor by taking more shots for the couple, but usually he just gets in the way and makes us miss our shots. Tell Uncle Bob to leave the camera at home and just enjoy his time at the wedding without working." 4. Not Explaining How You Like to Look in Photos "Beauty is really very subjective. I ask my clients to send a photo of themselves before the wedding that they like and one that they don't." 5. Focusing Too Much on Taking Photos" A good photojournalist can capture the story of their day and some artistic portraits while keeping time away from loved ones to a minimum."-- 6. Not Getting a Second Shooter" Sometimes couples want to save a little money or feel it's too obtrusive for more than one photographer to be present on the wedding day. But consider this: The second photographer offers another unique point of view throughout the entire day that you would not have had photographed [otherwise]." 7. Not Getting Help Organizing Your Guests" Designate someone [trustworthy who] knows your family and friends to be in charge of organizing people for portraits. That person can gather the people needed, direct them on what shots they'll be in, and then release them when they're done. It keeps things moving quickly, smoothly and enjoyably." 8. Trying to Make Things "Perfect"" Just have fun. Whether it's getting a little cake on your face or some detail didn't turn out 100 percent like you'd hoped, go with it, have fun and keep smiling." 9. Skipping the First Look "[In my opinion], a first look is so much better than trying to rush couple portraits after the ceremony—especially if your ceremony runs a bit late, which most do. You end up trying to rush to get to the party." 10. Trying to Pose" A good photographer gives direction for a reason: to get the best moments and shots from the day. The best thing to do is relax and act natural. Be in the moment. Be hopelessly in love with each other—the pictures will turn out [amazing.]" 11. Waiting Too Long to Book Your Photographer" If you find a great photographer, book them! Good photographers book a year or more out and won't be available forever. Nothing is more frustrating than choosing a wedding photographer and then finding out that they booked your date a week prior." 12. Looking at the Camera All the Time" Some couples want candid photographs, but they always feel like they need to look up at the camera and stop what they're doing. It could be an instinct, but remember—unless the photographer asks you, try to act natural for the best journalistic shots." 13. Not Providing a List of "Don't Takes"" Let the photographer know before the wedding if there are certain photos you don't like. It can be anything from 'I don't like the photos you took of us not smiling' to 'I don't like wide-angle close-ups.' It totally throws off a photographer's creative approach when a bride or groom spills their feelings while you're in the zone." 14. Asking for Too Many Shots" If clients have done their homework and choose an experienced, reputable wedding photographer, then chances are that photographer doesn't need a two-page spreadsheet of every combination for family portraits." 15. Not Choosing a Photographer You Connect With "Make sure we get along. I work with clients for sometimes two years or more. If we don't get along, it's going to be a very long and bumpy ride." 16. Skipping the Engagement Session "Engagement sessions increase the confidence and comfort level of the couple in front of the camera and allow them to practice having their photo taken in a fun, no-stakes atmosphere. Ultimately, an engagement session will let the couple see why the photographer might tell them to do something funny, and this leads to wedding day comfort and trust in the photographer." 17. Not Hiring a Professional Photographer" Choose someone who's a professional, not just anyone with a digital camera and a website. Make sure the photographer you choose has an education as a photographer, has apprenticed or interned with other photographers and paid their dues, or has the experience and ability to consistently capture the moments of your wedding no matter what situations may arise." 18. Falling for Photography Trends "Too many times, to-be-weds fall for something trendy in photography. It's critical your wedding images stand the test of time and are valued for each following generation. Trends are fun but rarely last. Look for a photographer with a [generally] classic shooting style, and be wary of too much Photoshop and digital tricks and manipulations." 19. Forgetting the Details" Think about spending a few minutes to decide what other elements are important to photograph. Did your sister make special wedding favors? Are you carrying important heirlooms with you? Bring an extra invitation and try to keep those special elements easily accessible for photos." 20. Not Smiling—All the Time "Tell all of the individuals walking down the aisle to look up and smile. If they're too nervous to smile, they should at least keep their head up and stare down the aisle. This helps keep the face from the [unflattering angle] that happens when you stare at the floor while walking." |
About CrystalCrystal Vandegrift is a wedding photographer covering Virginia, D.C. NC and Maryland. Interested in being a guest blogger on our site? Contact us below!
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Pictures were one of my top priorities for my wedding. I spent a lot of time reading through photographers and even contacting some. I was also pretty nervous, I had never been professionally photographed before. Crystal and her team were SO easy to work with and immediately took away the nerves. I trusted her completely and I am so happy I did. Cannot recommend enough! Ellen - Yorktown VA
If you're looking for an amazing photographer who is relaxed, has experience, and knowledge look no further. Crystal took our engagement and wedding photos. Not only were her photos amazing, but she is extremely responsive to messages and will even help you when planning your big day. It was important to us to work with a photographer who has experience with same sex couples, and Crystal and Casey did a great job capturing everything for my wife and I. We couldn't have asked for a better experience. - Emily - Nellysford, VA
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