Just wondered what you think? Would u get a loan to help pay for the big day? I know it's not about money but marrying the one you love. But I want the perfect wedding for me because I only intend on doing it once and want it to be special. I'm not planning on spending £1000s but not sure if we'll be able to save in time for the date/year i'd like xx
CommentAuthorx~Hails~x
My personal opinion NO!! Yes you want the day you have always dreamed off but is that really worth getting into debt over it is after all one day! In our case we want what we want so we decided the only way to get that is to postpone until 2015 so we can save enough to do that and if we can't well then we will cut things out that arent really needed and diy what we can but we refuse to get into debt.
But saying that it really is your choice and only you two can decide what the best course of action is
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For it was not into my ear you whispered, but into my heart
It was not my lips you kissed, but my soul.
CommentAuthorDonda
It is your choice, but my personal opinion is NO. We set ourselves a small £3000 budget and that's been a struggle to save, but we've mangaged it, gave up our social life completely, not had a holiday and cut on our shopping. I admittedly didn't want a big wedding and we are married away in Gretna green with just 17 guests. You can still have an amazing wedding if you shop around and DIY as much as you can. But as Hails says, you both have to decide whats best for you xx
Met on 7th April 2008
Got engaged on 14th November 2011
Getting married on 12th December 2012
Looking forward to the rest of my life with the man I love
CommentAuthorTatty
It's completley up to you, however I wouldn't want to start married life in debt :/ x
Love: A wildly misunderstood, although highly desirable,
malfunction of the heart.
37 Pounds down, 22 pounds to go! I will be a skinny bride!
28th March 2014 will be the day I marry my best friend.
CommentAuthormadison_uk
my first wedding I took out a loan its lasted longer than the marriage did, so I would say no, don't put yourself in debt, work out your budget and open a savings account save the money up you will feel much better knowing that every things been paid for and not that you have loads to pay back
I wouldn't want to start my married life in debt over one day, so it's a no for me :(
CommentAuthorElliekitty
edited
It's a pretty personal choice, however your properly better waiting that extra time to have your perfect day then to get a lone and get in debt. Its best to work out roughly how much its going to cost you and work out the minium payments to put into a savings account each month to enable you to get to your budget.
xxx
---Winter 2013 Bride ---
CommentAuthorMrsEminson2B
for me its a no but that is my personal choice like the others have said only you 2 can make that decision xx
Met Matt at 10 years old
Marrying him at 27 years old
I can't wait to be Mrs Eminson on the 8th June 2013
CommentAuthorMrsA-J
Id also personally say no, i dont like the thought of beginng married life in debt, and I think that would actually be worrying me on my wedding day...but like everyone else, its a personal choice! x
CommentAuthorLinzi-jo
I would never get one to pay for just one day, but I am lucky in the fact that my family are contributing. I could have never afforded to have the date I am having if they weren't helping us out xxx
Got together 14.02.2008
Got engaged 31.12.2010
Will become a Mrs on 30.08.2014 xxxxxx
CommentAuthornatalie2614
I said I would never get a loan for the wedding, but if my overtime doesnt work out to much in work, then i may have to closer to the time, Ive had unexpected bills and repairs so it might actually be a realistic thing for me. However it would only be for £1500 to cover the remaining costs of the wedding, not thousands!
Married my best friend 05.04.2013
CommentAuthorLinzi-jo
natalie, just a thought but would it make more sense to get a 0% credit card instead of a loan? It will give you about 18 months to pay it off and you wont have to pay any more back than what you use. Capital 1 are doing one atm for everyone, even if you dont have a good credit rating xxx
Got together 14.02.2008
Got engaged 31.12.2010
Will become a Mrs on 30.08.2014 xxxxxx
CommentAuthorVelcro
Personally; no. We have a good 18/24 months to save up, so if we felt like we needed a loan in the meantime, I'd be really dissapointed that we couldn't save enough. For what we'd be paying in repayments, we could just be saving anyway. I personally don't see the point, however, things do come up that are out of your control, so in that instance, then yes, obviously a loan or a credit card might be the only available option. But that is the only reason I'd consider it
We were originally planning on getting married next year, but if we want the day we really want, then in order to save up in time, we need to save for longer. I'd much rather do that than have a completely unecessary loan hanging over my head
Wibbly wobbly, timey wimey
*Kelbel* is my wedding twinny!
CommentAuthorKristina
Personally i would say No. You don't want to go into married life in debt. I was thinking about getting a loan but then i decided against it as i saw all the repayments. But i am lucky to be able to have 23 months to actually save for the wedding even if i have just been redundant.
Met: 1st February 2014
Engaged: 1st June 2014
Getting Married: 31st December 2014
CommentAuthorPrincess2be
I personally wouldn't. I coudn't justify having to take years to pay money back for something that lasted one day. x
CommentAuthorlizzylou
It's up to you really as everyone is diferent. But personally I wouldn't, I really believe in only doing and having things that you can afford. Why get into debt - just wait a little longer and save up, that way you can enjoy it without the stress of a loan. x
Lizzy. x
CommentAuthorRosyF77
I wouldn't have thought it was a great idea but then again not the worst idea. I spose if i saved up i recon id appreciate it far more than if i go a loan and paid it off. xx
CommentAuthorMrstalbot2b
I wouldn't get one we going save as much as we can that's why we doing it in 2014 we would love to do it sooner but then we won't be able to have are dream wedding but we have said closer the time if we short be £1,000-£1,500 we get a 0% credit card just for that little bit but we hopping to have most of it saved,
frist date:- 14th july 2009
bought our house:- 5th sept 2010
engaged :- 27th december 2011
getting married : 7th june 2014
CommentAuthorMrsC2bee
I really dot want or but don't see how we are guna save even £3000' in next 4 years :( x
CommentAuthormym72
I know it's down to personal choice - but tbh I wouldn't. We saved for our wedding (had about 21 months to save) because we didn't want to start off married life in debt. There are so many things you'll want once married, so why be in debt for one day (and paying for years for feeding and entertaining everyone else).
CommentAuthorHa_x3
It depends, i wouldnt take out a loan from a company or anything..
but i did borrow money from family & i did use my credit card for a few last minute bits, which i paid off as soon as i returned to work so it wasnt a problem for me xx
Mrs Lunn
08/05/12 was the best day of my life
& I love my husband with all my heart xxxx
CommentAuthorJo
I considered this too but decided against it after speaking to lots of friends who did and retreated it, that's why we r waiting 3 years x
CommentAuthorOfficially Mrs M
nope we refused to do it and we saved every penny! i put a few things on my credit card like scatter crystals but that was more down to i lost the old ones so bought new ones and then found the old ones haha but that is what my credit card is for and it was only a tenner!
i really didn't want to start our married life in anymore debt, my hubby has an IVA and i have student debt which i got a large loan to pay it all off which i have and i'm much better off and we have still been able to pay for everything for the wedding.
the key for us was spreading the cost, i bought things little bits at a time to spread the cost and hubby saved the money for the venue etc as he earns much more than i do
8th September 2012 I married my best friend
1st September 2014 our little family grew by one
Women are made to be loved, not understood. - Oscar Wilde
CommentAuthormadison_uk
You have four years thats only £62.50 a month so you and your h2b should be able to do this together once you start its not that hard
CommentAuthorShazk
I would say no like the otehr ladies I really wouldnt even consider it and Know a few people that have done it and regret having the debt now!!!
Like madison_uk We have worked out what we want to spend as max and then broke it downa dn worked out what we have to put away each week/ month. God forbid we go over I will just cut back on something I dont wantt o start married life with the worry of paying back something and then not being able to do soemthignw e want to as Husband and wife because we have to pay back the loan xx
Away with the flutterbys xxx
CommentAuthorKirstyM3690
NO!!! dont have a wedding filled with debt!! if it takes u 1-10-20 years 2 save so be it!! But save save save!!! x
Yay..Soon Be Mrs Castle
3rd july 2013
Cyprus
CommentAuthorStaceyP91
Nope! I dont see the point in starting married life in debt! My dad did help us with the initial venue's deposits but part from that we have done it all ourselves! shop around for deals, see whether family members have any hidden talents (photographer, can do the cake etc)
negotiate with venues... only have people there you actually talk to & want to share your special day with.
Xxx
30-11-13 my life becomes complete
Mrs Solomon to be
CommentAuthorLulu1388
I have to agree with the other ladies im afraid, personally I'd say no... sit down and work out the sort of budget your looking at, and realistically how you can save it, where you can cut back, what you can give up etc... it will be hard but if its for your one perfect day it will definitely be worth. I'm lucky that I have my family helping us out however noone in my OH's family can afford to help us and we are also trying to save towards it.
I know that sounds all good my family helping out, but the majority of my own personal savings have gone on clearing my OH's debts...from loans and things he took out in the past before me, all thanks to his EX!!! But the hassle and agro thats been causing him and haunting him with other the last few yrs, especially within the last couple now im around was just too much stress and so I made the decision to use my money to clear it all so we can start afresh, and save for us! Not save for his EX and his past.
I would never have wanted to get married and start my future and my married life in debt! I chose that over an extra £5-6k on the wedding.. it may be a smaller and more budgetted wedding but it will be more special because its a clean fresh start!
Its only something the two of you can decide and if you do decide to go ahead and get a loan, good luck and be careful! xx
Every Once In a While In The Middle of an Ordinary Life
. . . Love Gives Us a Fairytale. . .
CommentAuthornatalie2614
Linzi-jo I can get an interest free loan through work upto £5k if I need to, and I pay it back over 12 months out of my salary each month. I can afford the repayments for that and because it comes out of my wages before I get my monthly pennies I wont miss it as much. So the interest isnt an issue for me. I would go with the 0% credit card if I didnt have the option with work though x
Married my best friend 05.04.2013
CommentAuthorMrsC2bee
Thanks ladies, we are looking at 5 years now and I know when h2b is back at work it will be easier, I think I just worry because I'm unable to work for medical reasons and I know if I could we'd be able to save no worries. I think once I got my budget and date sorted I'll be ok. Plus I'll get little things like scatter crystals and glasses for sweet table and that throughout the time so i dont have to worry about them closer to the time. I think the catering ( as really want sit down meal) and the venue will be the most costly things so once I know how much that will be I'll be able to relax x
CommentAuthornatalie2614
5 years is a lot of time to save up and if you have a budget in mind you should be able to work something out to give you the wedding you want xx
Married my best friend 05.04.2013
CommentAuthoremmaaa
I agree with the rest of the ladies hun, if saving the money up over 4 years seems impossible then wont the repayments on the loan also leave you struggling? Don't think of the massive lump sum to save up, just set yourself small goals and save little and often, see if you can shave anything else off your household budget, and bargain hunt madly to keep costs low! Good luck hun! x
CommentAuthorCat
In my case I know we can just about afford our wedding without a loan if nothing goes wrong that means a big expense, but so far things have gone wrong, first my cat needed an op and now my car needs work with only 8 months until the wedding. Also I may need to move at a moments notice now as though I in addition to working I care for my disabled mum in her home, social services keep talking about putting her into sheltered accommodation so we need to keep some of our savings now for a emergency in case we need a rent deposit.
You really never know when things can get turned upside down when you most hope things will go smoothly. So though I have taken into account what has happened so far and have budgeted that at a push we can just manage I have finally given up with having to now pay for things as the money comes in and on Saturday its off to the bank to get a small loan just to pay off the big things that are left to pay. Ah well this at least gives a flip side perspective.
Fortunately I recently paid off my car insurance all in one go and as I only finally got round to learning to drive just over 2 years ago it was kind of pricey so compared to previous 2 years monthly car insurance payments my loan payments will seem like absolutely nothing (I got a similar loan with my bank 3 years ago to get my car so I could get a credit rating, so I know what sort of repayment amounts it will be).
CommentAuthorButtonAndBoo
I wouldn't I would rather not start married life owing money and would also perfer the feeling of know what is there on the we paied for, it's ours we deserve it!
X
CommentAuthorvicki
I wouldn't want to get into debt for one day. We want to get married next year so we're cutting the guest lit, having the ceremony at the registry office and then the reception at our local pub which has a function room that holds 45 that we can have for free. It may not be everyone's dream day but all that matters to me is that I get to marry my OH.
CommentAuthorOfficially Mrs M
a wedding is not worth getting in debt over hun i would rather borrow from family and friends if you need to
8th September 2012 I married my best friend
1st September 2014 our little family grew by one
Women are made to be loved, not understood. - Oscar Wilde
CommentAuthorfloatee
Have to agree with the other ladies on this and give a no. They way we figured it was if we both put away £10 each a week for 3 years we would have over £3000 in an account to pay for things, so this is what we are doing.
We may not use some of it for the wedding, as we are paying for things as we go (and some our things are being given to us as gifts if you see what I mean) but it is still possible to do if you are careful. But it is a personal choice :o).
CommentAuthorMrs-Mouse-2-be
You are getting married in 3 years time and that's plenty of time to save up so no.
CommentAuthoralmost a year wife!!
no no no!
Ill marry my hero
CommentAuthorOleH
Not for 3 years time, no. Believe me your budget will change so any decisions made now might change. I would leave it closer to the date to cover any shortfall in your savings, if you have too. I was lucky, several years of singledom between us left us a little nest-egg which we are using for the wedding and we have budgeted according to this - anything above and we just say no x
Soon to be Mrs C on 15th June 2013!
Can't wait to marry my soul mate x
CommentAuthorInDreamland
Ultimately hun it is a decision only you and your OH can make.
Personally, I would not, I cannot justify getting into debt and starting married life paying off a loan taken for one day.
I have a friend who got married in August 2009, she and her hubby took out a £25k loan to finance the wedding. Shortly after the wedding her hubby lost his job, they have young twins (they were less than a year old at the wedding) and a pre-teen son from his first marriage and rent. She went part-time when she went back to work too. They have really struggled to pay off the loan and pay for everyday living expenses so they just cemented my views on taking out loans for a wedding day.
There are so many things that I and H2B would love to have on our day but there just isn't the budget for it and therefore we will go without, they're not essential, just nice to have and the meaning of the day is more important than those special extra touches that noone is likely to remember 12 months after the wedding. xx
Married the love of my life on Saturday 11th May 2013 xxx
Had our dream perfect honeymoon in Hawaii!
Think you have plenty of time yet so wouldn't be thinking about a loan just yet, more concentrating on saving.
Why don't you use a loan calculator and work out the loan amount you want and spread out over three years then have a standing order for this amount every month going into an ac that is difficult to get to (don't forget if you took a loan out you wouldn't access the payments at all). By the time of the wedding you will then have the loan amount plus the interest you would have paid which could go towards any extras xxxx
CommentAuthorAmyP7
No I would not get a loan, having that money hanging over your head and starting married life in debt. Plus you have plenty of time yet, see how much you can afford and put that amount into a bank account every month. thats what we are doing and its surprising how quickly it all adds up x x
CommentAuthorShelleyM46
im gunna get a wedding pot n just try our hardest 2 fill it if we need 2 get a small loan closest to the time then i will x
cant wait to marry the love of my life
my soul mate and my best friend
CommentAuthorAmyP7
We have a wedding pot, been filing it for about 6 months now its actually nearly full. It's a really good idea and they look lovely to x x
CommentAuthorInDreamland
If you open a savigs account you'll get some interest which is better than having the actual cash sitting in your house xx
Married the love of my life on Saturday 11th May 2013 xxx
Had our dream perfect honeymoon in Hawaii!
CommentAuthormillz090
Interest? Whats that Lol !!
Finally marrying the love of my life !!
10th August 2013 - 9 years to the day we met !
