#affordable wedding dresses in Utah

[sleepyridgeweddings]

From Classic to Contemporary: Affordable Wedding Dresses That Don’t Compromise on Style

A wedding dress is not only fabric but rather love, personality as well as a dream. Every bride looks forward to capturing the perfect dress for her wedding and at the same time trying to do so within her means. Thankfully, affordable wedding dresses in Utah have provided an incredible variety without sacrificing elegance. Venues like SLEEPY RIDGE make weddings magical, and finding a gown that matches the beauty of such a setting is simpler than you think. With breathtaking views, elegant spaces, and a romantic ambiance, Sleepy Ridge is the ideal location for your special day. In this guide, we will explore from classic to contemporary affordable wedding dresses that don’t compromise on style.

[momentsmadebridal]

Discover the Elegance of LDS Temple Dresses at Moments Made Bridal

For many brides, finding the perfect dress for their LDS temple wedding is a deeply personal and significant part of their journey. At Moments Made Bridal, we understand the importance of choosing a dress that aligns with your values and enhances your beauty on this special day. Our collection of LDS temple dresses is designed to provide elegance, modesty, and comfort, ensuring that you feel radiant and confident as you embark on this sacred occasion.

A Unique Selection Tailored for LDS Brides

LDS temple dresses have specific requirements to ensure they are suitable for temple ceremonies. These dresses need to be modest, often featuring higher necklines, longer sleeves, and longer skirts. At Moments Made Bridal, we offer a wide range of styles that adhere to these guidelines while also celebrating contemporary fashion trends. Our goal is to provide options that make every bride feel unique and beautiful.

Bridal Shops in Utah

Utah is home to many bridal shops in Utah, but Moments Made Bridal stands out for our dedicated focus on LDS temple dresses. We pride ourselves on our extensive collection that caters specifically to the needs of LDS brides. Whether you are looking for something simple and classic or modern and sophisticated, our expert consultants are here to help you find the dress that perfectly complements your personality and style.

Wedding Dresses Provo

Provo is a hub for bridal fashion, and Moments Made Bridal is a leading name among wedding dresses in Provo. Our boutique offers a personalized shopping experience where you can explore a diverse range of LDS temple dresses in a comfortable and supportive environment. We understand that every bride has a vision for her wedding day, and we are committed to making that vision a reality.

Quality and Craftsmanship

Each of our LDS temple dresses is crafted with the utmost attention to detail, using high-quality fabrics and elegant embellishments. From lace and satin to chiffon and silk, our dresses are designed to provide both beauty and durability. We believe that every bride deserves a dress that not only looks stunning but also feels wonderful to wear.

A Seamless Shopping Experience

Shopping for LDS temple dresses should be a joyful and stress-free experience. At Moments Made Bridal, we strive to make every visit memorable. Our knowledgeable staff is here to guide you through the process, offering expert advice and personalized recommendations. Whether you're shopping at one of the best bridal shops Utah has to offer or browsing through our selection of wedding dresses Provo, you can expect exceptional service and a warm, welcoming atmosphere.

Customization Options

We understand that every bride is unique, and sometimes off-the-rack dresses need a few adjustments to be perfect. That's why we offer customization options for our LDS temple dresses. From altering the length of the sleeves to adjusting the fit of the bodice, our skilled seamstresses can tailor your dress to ensure it fits you flawlessly. This level of customization ensures that your dress not only meets temple requirements but also reflects your personal style and preferences.

Affordable Luxury

At Moments Made Bridal, we believe that every bride should have access to a beautiful dress without breaking the bank. Our collection of LDS temple dresses includes a range of options to suit different budgets. We are committed to providing high-quality, stylish dresses at affordable prices, ensuring that you can find the perfect gown for your special day without compromising on quality or style.

Conclusion

Finding the perfect LDS temple dress is a crucial part of preparing for your wedding day. At Moments Made Bridal, we are dedicated to helping you find a dress that not only meets your needs but also makes you feel beautiful and confident. With our extensive selection of LDS temple dresses, exceptional customer service, and customization options, we are your go-to destination among bridal shops Utah and wedding dresses Provo. Visit Moments Made Bridal today to discover the dress of your dreams and make your wedding day truly unforgettable.

Choosing the right LDS temple dress is more than just a shopping experience; it's a journey of finding a gown that symbolizes purity, elegance, and personal style. Moments Made Bridal is honored to be a part of this significant milestone in your life, providing you with a dress that will make your wedding day as special as the love you celebrate.

[whitediamondsutah]

Something Old? How to Accessorize Your Vintage Wedding Dress?

Your vintage diamond Engagement Ring Stores in Utah are also much more affordable compared to modern pieces. Just keep in mind that this can change when dealing with rare gemstones or metals of a higher value. Caring for your vintage ring is important since a lot of this craft has died out. If your piece gets chipped or scratched, repairing it can be tricky.

[goldweddingringsworld]

Elegant Pearl Engagement Rings for the Timeless Bride

Most brides often feel that pearls are something that their mothers or grandmothers would wear however this gemstone is quickly making a comeback and is now highly sought-after for its chic and timeless appeal.

Pearl diamond wedding rings in Utah are delicate and symbolize purity, love, and loyalty which makes it the perfect addition to your big day.

Reasons to love pearl rings

One of the main reasons why a lot of brides tend to prefer pearl diamond rings in Utah is that these gemstones are elegant and attractive and can easily stand out from the rest. Being versatile it perfectly pairs with a range of styles, settings, metals, and designs to suit your needs.

Just keep in mind that these stones rate between a two-point five to a four-point five on the Mohs scale making them incredibly fragile. So, while you can wear them daily you need to care for them properly as they can chip or scratch easily.

Pearls can be found at a variety of jewelry stores, especially places that deal in heirlooms or vintage-inspired pieces. While these gemstones are affordable it all depends on the type of setting and metal that you choose.

Freshwater pearls are much more affordable than those found in the ocean. Many brides opt to set their pearl classic wedding bands with smaller side diamonds for added sparkle and fire.

You can also set your pearl center stone with a halo or rubies or sapphires for a unique and vibrant appeal. Pearls contain a fine coating called a nacre and daily wear and tear can often cause it to wear away, if this happens it cannot be replaced or repaired.

Make sure you wear your pearl ring after dressing up and remove it as soon as you get home. You should also avoid exposing your pearl piece to any harmful chemicals, abrasives, or detergents as they can strip the metal band and ruin your gemstone. Instead, keep your ring safely tucked away before you clean, cook, garden, swim, shower, or head out for any activities.

To Summarize

Caring for your pearl is essential and you can take your piece to a professional jeweler to clean, repair and maintain it every couple of months so that it looks new and shiny for years to come. Your jeweler will check your piece, polish your stone, and tighten the setting.

[amanda32ki]

https://www.offsiteselfstorageut.com/ - Whether you’re an individual with just a few spare belongings or a business with hundreds of items to store, Offsite Self Storage has a plan for you! Located near Ogden, Utah, Offsite Self Storage offers premium storage unit facilities with storage units of all shapes and sizes! If you need to store extra furniture, old files, holiday decorations, cars, or motorcycles, we provide customized plans that fit your needs. A few other commonly stored items include wedding dresses, old clothes, home appliances, vintage electronics, legal documents, and books. You can pay easily online and store and retrieve items completely independently! Our entire property is equipped with 24-hour video surveillance, so the safety of your items is guaranteed. If you are not sure what size of storage unit you can afford, just visit our website to calculate the best fit for you! Save time measuring all of your items and use our 3D storage unit calculator to get an estimate on the amount of space you will need. Before storing your belongings, be sure to visit our website for self-storage tips and tricks. Contact Offsite Self Storage in Ogden, Utah, today at (801) 657-3565, or visit our website for more information!

[multimetaverse]

Andi Mack 3x19 Review

A Moving Day was a lovely episode though one that had too much filler for such a late episode. Let’s dig in!

Positives:

Despite the cut ep and the re-shoots they were able to give Bex and Bowie a lovely wedding. Bex and Bowie have really been one of the core story lines for the show and it’s nice to see them get such a happy ending. There was a lot of history packed into Bex thanking Bowie for sticking it out and boy was the pay off ever worth it.

This smaller wedding works much better for their dynamic than the big farm wedding did and having it just be a main character affair makes the show more equal. And the snow and the trees and mountains and gazebo made for one of the most visually stunning eps of the show. Almost like a farewell to filming on location in Utah.

Asher’s performance of You Girl was awesome, glad they played what seemed like the whole song. 

Like Celia, I’m also glad no one said ‘um’!

It was nice to see Celia again. I’m glad they were able to give her ample screen time this ep to somewhat make up for what she’s lost. It makes so much sense that she’d be so into puzzles. And really showcases her personality that she climbs a mountain in heels. 

This really was a nice send off for the whole Mack family. Andi gets the nuclear family she’s always wanted, Bex and Bowie get the happy ending they’ve waited 14 years for, and Celia gets to see her wayward daughter take charge of her life. 

It took until the penultimate episode but we finally met Jonah’s mom, Judy Beck née Bartholomew (Terri really does like her Biblical names). That she ended up marrying one of her background helpers is a love story for the ages. 

I’m glad they gave Jonah a happy ending and we can end the series knowing that his family is in a better place and on track to recover from bankruptcy. 

I’ll have more to say about the filler in the negatives section but I did like Buffy’s deconstructed toast line, Cyrus not being self deprecating about his strength, and Asher almost breaking character while doing his mom’s dance. 

Nice that they snuck in one more Buffy picking up Cyrus moment. Truly those two have the best friendship on this show. 

I’m almost certain that Bowie scaring Celia was a nod to Trent scaring people on set, he has a whole instagram story dedicated to him spooking his co-workers. 

They brought in one of their casting directors, Steven O’Connor, to play the officiant which was a nice gesture and of course we got one last family cameo with Coco Angel playing Judy. 

Re-Shoots:

Bringing in this section since most of this ep were re-shoots. I’m not going to nit pick the plot holes that arose because of them: like how did Jonah learn You Girl without Bowie teaching him, how did he write the extended version, how Jonah and Cyrus and Buffy got to the Gazebo, why Cyrus and Buffy were dressed as waiters and didn’t actually do any waitering. Obviously whatever the original Gazebo event was would have had differences and production had limited time and budget to turn it into a new wedding as smoothly as possible. 

Not much actually happened in this ep and that was a sad side effect of the re-shoots. Scenes like the Macks in the car and the Macks hiking dragged on so long because they were easy to film fairly quickly, just like the party scenes in A Good Hair Day were quite long. 

I’m actually glad that they didn’t bother giving a reason for Bex suddenly deciding to get married. I don’t think it would have made all that much sense in otl anyway but without Ham I don’t think they could have come up with a good enough justification. At least with Ham it would have made some sense that he could have mended the rifts between Bex and Bowie and Bex and Celia since he was always the peacemaker and reasonable authority figure as well as a surrogate father and best man for Bowie. 

It seems that every story line except for Tyrus was damaged in some way by the cuts and re-shoots but definitely Celia suffered the most, which is such a shame.

Negatives:

I can’t believe the show decided to waste precious time on a toast making competition in the second to last ep of the entire series. It might have been fine in 3a but to have that filler for a cold open so late in the game is awful.

I gasped when Judy asked Jonah if she could finally meet his friends. He’s been friends with the GHC for like 14 months at this point and they still know nothing about his family? They’ve always kept Jonah apart from the GHC in a lot of ways which hasn’t been to the show’s credit. And while I’m glad that we finally met Jonah’s mom, it shouldn’t have taken this long. 

I’m not surprised but I was disappointed that we never heard that Jonah told his parents about his panic attacks. I get that in America’s horrifying healthcare system that they probably wouldn’t have been able to afford treatment but at least if they knew they could support him and try to help.

Looking Ahead:

Terri must love Winnie the Pooh if she’s having Cyrus quote him as shown in the most recent finale promo. The way Disney cuts the quote with clips from the ep is very clever: we have Tyrus being brave enough to confess their feelings, Muffy strong enough to be vulnerable and get together, and Jandi smart enough to know that now is not a good time for them go get back together. 

Looks like Terri was able to get ample screen time for TJ and Marty so Tyrus and Muffy won’t feel rushed. 

Very glad that Cyrus is the one who approaches TJ at the bench. I’m very interested to see how we go from delusion to confession on Cyrus’ part. Certainly they look happy when Cyrus asks if he can sit and Cyrus is obviously there because he wants to confess.

I assume the bench scene will come late in the ep. Cyrus seeing TJ talk to Kira must be what causes him to feel like he was deluding himself but what spurs him to decide it’s worth the risk to confess to TJ I don’t know. If the music performance is after Kira’s appearance than maybe Cyrus is feeling forlorn and then TJ appears to perform with him, in a way making up for costume day, and that gives Cyrus hope. Or if the performance is before Kira than maybe it’s what gets Cyrus’ hopes up only to have them crushed before someone or something gives him hope. Regardless of which scene is when, I do think that Cyrus and Buffy both give each other the final push to go seek out TJ and Marty and lay it all on the line. 

I’m trying to keep my expectations low since it’s still Disney but I do think we get hand holding based on their bench scene positioning and the fact that Ciris got to hold hands. I think it’s likely they’ll use the word boyfriend and I do think they have some brief post canon scene inside before the party clears out and that’s likely where Tyrus and Muffy have an interaction. I would also like Andi at least to congratulate them but I’m not holding my breath. Having TJ use the word gay would be amazing but seems unlikely and Luke will be able to confirm it on social media anyways. Having Cyrus compliment TJ’s outfit and say it brings out his eyes would be a nice little moment if Terri could swing it. Josh has heavily hinted that we’d see some pay off to Cyrus calling TJ oblivious back in 3x07 and it would be great if we could see Cyrus using a mashup name for him and TJ like was able to with Iris. 

Nice to see them make use of Luke’s piano skills and that means we’ll learn something new about TJ as well as learning his name and of course for most of the audience, the reveal that TJ is gay and likes Cyrus. 

Seems like Cyrus, TJ, Buffy, Bex, Bowie, Amber, Jonah, and Andi are involved in the song, not sure where Marty is. Buffy compliments Marty and says he was funny and I wonder if he did some solo performance beforehand or after. 

If they sing the theme song that’s cheesy af but I can’t see what else they’d have the rights to. 

Muffy confession is outside which makes sense since they’d want some privacy for the Muffy kiss. Very smart to have them canon in the place they first met and once again I’m so glad they got Marty back, a Wuffy endgame just wouldn’t have been anywhere near as good. 

I think the scene of Cyrus and Buffy standing inside in their jackets watching Bex and Bowie dance in their dress and tux is likely after they come in from confessing to their boyfriends and near the very end of the ep. I think Andi showing the mains that she’s cleared out Andi Shack because she got into SAVA is probably at the very end and one of the last scenes.  I don’t know if the show is gonna pretend she’s starting at SAVA immediately because the finale is in December and she would’t be starting high school for 9 months which takes away a lot of the emotional impact of her moving. Or maybe she gets to start early or has to transfer to some new art middle school to finish up 8th grade in order to beef up her skills before starting at SAVA. 

No sign of Kira in any of the promo clips and TJ arrives at the party alone which fits with her appearance meant to be a surprise twist as well as brief since Raquel was only on set for one day and that was the day all the other main and recurring kids were on set and her screen time comes out of TJ’s screen time. I think her 30-60 seconds of screen time will be by far the worst part of the finale. She’s been the most poorly written character on the show; her motvation going from trying to hurt Buffy to trying to date a guy she knows is gay and I’m sure her apology will probably introduce a new motivation, she just wanted a friend or some crap like that. On the plus side it doesn’t look like she sticks around so we don’t have to see TJ befriend her for no justifiable reason though I do think that ‘’sometimes there’s a nice person inside trying to get out’’ line is said to her by TJ or about her by TJ which is awful. I do think that she encourages TJ to talk to or hang out with Cyrus or something and that begins the ‘redemption’ we’ll luckily never have to see. 

We’ll see such growth on Amber’s part from her behaviour at the first party to now.

Jonah gives Andi the bracelet maybe? I don’t think they canon but I do think they leave the door open to get back together in the future. 

I wonder if Celia is coming back to Shadyside or if she’s leaving for good and I wonder if we’ll get a hint for a Bexie baby.

I’ve been hard on Terri but I do trust that the vast majority of the finale will be great and that she got the best ending possible for the show and I’m glad she fought as hard as I’m sure she did for the wonderful Tyrus ending we’re getting. 

It’s going to be bittersweet getting that payoff while also saying goodbye to the show but at least with the longer length we’ll get to see pretty much all of what they filmed. 

We’re on the cusp of watching history being made as Tyrus becomes the first gay couple on Disney Channel. With that in mind, I’d like to remind everyone that Tyrus week starts Monday July 22nd at 4pm eastern standard time and I hope everyone reading this will participate in whatever way they can so we can get Tyrus to number 1 on fandometrics. 

Can’t believe I only have one more review to write. It’s gonna be a great week and a great ep and I can’t wait for us all to see it!

[its-ashley-95baybe]

I’m really curious about the “boujie” wedding they’re planning. I love weddings and have seen many, and boujie doesn’t always mean nice. I loved Peta’s wedding, but I loved Witney’s the most out of all the DWTS ones because everything was well-executed and even though it didn’t look super expensive it was still beautifully done from top to bottom. Idk. I just feel like if boujie isn’t their normal style, it’ll show in the wedding.

Jenna is the whitest Utah-ian. If you look back at the way she used to dress and act until now....boujie is definitely not her norm. The wedding will be smaller then what she wants and can afford

[jaylilrosecollection]

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Table of Contents40 Rustic Barn Wedding Venues - Charming Country ...Affordable Wedding Venues In New Jersey—new Jersey BrideWedding Venues San Diego — The Thursday ClubLa Jolla Wedding Venues - The Meritage CollectionThe 25+ Most Popular Portland Wedding Venues [Updated For ...25 Unforgettable Wedding Venues In San Diego49+ Of The Best Connecticut Wedding Venues (Find Amazing ...

Your visitors will be invited to take a gondola ride up Aspen Mountain to an elevation of 11,212 feet, where they will certainly reach your event at The Wedding event Deck or adjacent Aspen Hill Club. Impressive views of the well known Maroon Bells and the Rocky Mountains will mount the special memories developed on your big day.

Stunning 360-degree sights turn from the Channel Islands beyond Santa Barbara to rambling canyons under old canopies of Eucalyptus. Great smelling Magnolia and also orange blossoms perfume the landscape for a wedding event experience like nothing else. Santa Barbara, CA The Cattle Ranch at Rock Creek Miles of river, forest, valley, and view supply almost unlimited opportunities for picture-perfect and impressive events, intimate brunches, and also festive receptions.

Right here, you can wed at the Historic Barn, or claim "I do" amidst the wild blossoms as well as Large Sky background. Philipsburg, MT Glenmere Manor Establish on 150 acres of lavish landscape, Glenmere Estate delivers you to Europeonly 50 miles far from New york city City. The 5-star hotel enables for buy-outs, so the property might become your own for the weekend.

Wedding Locations - Callaway Vineyard & Winery

Chester, NY Malibu Rocky Oaks Estate Vineyards This top-rated vineyard place boasts scenic sights of the Santa Monica Hills and rolling hills of California for an overpriced experience like no other. Pro idea: the estate recommends reserving dates from April to November for the ideal climate and also greenest creeping plants. Malibu, CA AMAN Venice Establish in one of the city's eight spectacular significant palazzos on the Grand Canal, AMAN Venice embodies all that is excellent and sensuous concerning La Serenissima (Northern Italy).

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Venice, Italy Little Girls of the American Change Hall This desirable place just blocks from the White Home includes marvelous views of the Washington Monument. Crystal chandeliers, antique home furnishings, and also glamorous Beaux-Arts design are just a few of the factors we like this historic space, whose indoor/outdoor alternatives are both stylish as well as picturesque.

Pippin Hill Farm & Vineyards Sweeping views of rolling hillsides as well as vineyards coupled with a culinary experience like no various other is all you need for a successful celebrationand Pippin Hill has you covered on all accounts. What's more, the home is owned as well as operated by Easton Concierge Team, co-founded by one of FAIR Bride-to-be's Leading Wedding event Organizers worldwide, Lynn Easton of Easton Events.

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11 Cheap Wedding Venues - Nerdwallet

It walks an equilibrium in between English elegance and playfully surrealfor some, Aynhoe Park is a diverse play ground of the creative imagination; for others, it's a research study in refinement. For all, nevertheless, it is an escape from the foreseeable and also a remedy to the everyday. See exactly how this pair wed at Anyhoe Park and also merged the English countryside with Burning Guy ideas to suit their style.

Select an intimate event in the church bordered by frescoes, or capitalize on one of the bigger places on residential property (for approximately 500 guests). Appreciate supper outside in the yards or indoors at the Conventino, an old church inside the building developed into an excellent hall. Florence, Italy Haiku Mill A stunning home situated on Maui's north shore, off the renowned Road to Hana, you'll find Vintage Europe meets natural Hawaiian natural beauty at Haiku Mill.

Maui, Hawaii Ritz Paris Paris, while understood as The City of Light, is also undeniably the city of love and romance. And the Ritz Paris is a jewel box in the facility of it all, with its sweeping views of the Place Vendme. With magnificent ballrooms, perfectly assigned suites, and also some of one of the most quintessentially Parisian information in shop, it's no surprise fashion new brides throughout the globe desire of wedding celebration inside its walls and in it's private courtyard.

Charleston, Sc Wedding Venues - Official Charleston ...

If you can't make a decision whether a lush ballroom reception, a countryside event, or a '20's glam after celebration feel is appropriate for you, this location might house them alland a lot more. Asheville, NC Flora Farms This farm-to-table venue and also restaurant is a Cabo fan-favoriteand permanently reason. With countless personal outside locations for events, like a Mango Grove with a brick barn, an herb garden amphitheater, a gorgeous potting shed, dining establishment, and a lot more, the variety of visitors as well as time of year help determine which area is ideal suited for you.

San Jos del Cabo, Mexico Atlanta History Facility Assume Gone with the Wind at this historic home in the heart of Georgia. With lovely style and also gardens, take into consideration the majestic lawns at the Swan House Manor or the rustic beauty of the Smith Household Farm as well as McElreath Hall for your wedding event settingeither method you'll like its Southern style.

Using a special setup for any size party (huge or tiny), the remarkable clocktower is stylish, open, and airy. And also when you aren't dining in among the city's ideal understood buildings, your guests can delight in all the restaurants, tasks, and sites SF needs to provide. San Francisco, CA French's Factor Make your wedding party seem like a getaway, a get-together, and also a wedding event all-in-one at French's Pointa gorgeous 14-acre venue on the coast of Maine.

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Stockton Springs, ME The Frick Collection Evoking the prestige of Gilded Age New York, The Frick Collection is an internationally recognized gallery and also research study center known for its recognized Dutch Master paintings and outstanding instances of European sculpture as well as ornamental arts. While many New york city City places of this caliber feel grand, large, and also bryllup nordsjælland extra fitting for a huge visitor list, this unique area gives a sophisticated yet intimate feeling for any kind of event, reception, cocktail party, or welcome dinner.

New York, NY, UNITED STATES Domaine de Andols Exuding pure deluxe in unique ways, Domaine de Andols features special, modern rental properties for you and also your visitors as well as a marvelous centenary tree changed right into restaurant at the bottom of the Domaine. Offering fresh as well as regional products at this put on hold tree top terrace, the view of the Domaine and the odor of the lavender areas are simply a couple of the factors you'll never want to leave.

Saint-Saturnin-ls-Apt, France Taj Lake Royal residence Hosting previous clientele such as Jacqueline Kennedy and also Queen Elizabeth, this regal and entirely charming palace in Udaipur is incomparable. The hotel's striking white marble facade with views of Udaipur, the Aravalli mountains, and temples around work as the utmost backdrop for an intimate wedding celebration in India.

Venues - Visit Loudoun

Pro Tip: Right here, you'll likely need to schedule a certain variety of spaces for up to 60 visitors, so ensure to confirm your matter. Udaipur, India 4 Seasons Lanai Breathtaking sights of the Pacific and a genuine Polynesian social style meet the best in service, convenience, and top quality at the 4 Seasons Lanai.

Lanai City, Hawaii The White Elephant A New England location with a preppy panache, the White Elephant harbor side inn hosts weddings on its well-manicured yard. For those looking to throw an especially lavish occasion, the whole resort (with space for 300 visitors) is readily available for rental fee. Functions comply with on the balcony overlooking the waterside, with enough oysters and also mixed drinks to please even the pickiest of visitors.

The location comes complete with a range of options, both indoors and also out, like the sophisticated Chandelier Ballroom, which houses 8 bespoke Baccarat crystal chandeliers, and also the 8,000-square-foot Wonderful Lawn, with boundless ocean sights. Montecito, CA Cedar Lakes Estate This is where you ought to head if "down to Earth," "rustic," "nature-lover," or "modern bohemian" best defines you or your visual.

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From a treehouse to lakeside event, this property pride itself on only reserving a choose numbers of wedding celebrations each year to concentrate on making each of them one-of-a-kind, unique, and well-executed. Greenville, NY Nizuc Hotel & Medspa Just outside Cancnand just 10 minutes from the airportlies paradise, peacefulness, and also nothing close to the springtime break feelings you're utilized to in this part of the nation.

Remain in a modern-day high-rise with your very own exclusive dive pool, or select a relaxing garden villa in the mangroves. Boasting two special coastlines, a lush health facility by ESPA, six premium dining establishments, as well as sumptuous accommodations, Nizuc is suitable for wedding celebrations both big and also tiny. Location: Cancun, Mexico Amangiri Amangiri, which means 'relaxed mountain', is situated in Southern Utah as well as is a minimal's dream.

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All of the gowns and dresses comes in different sizes, so you don't need to bother about it. In fact, all the Wedding Dresses Brisbane and Bridesmaid Dresses Brisbane are available in plus sizes. However, not all of the online wedding stores out there are offering plus sizes. That's why you ought to select an online shop that can present you a wide-variety of selections. The question arises where to buy a preowned designer wedding gowns? The answer to which is that now a days there are online website through which you can make a choice of one of the smartest looking cheapduihskjcdews_1 gowns from the websites of preowned dresses used in wedding purposes cheap knee length wedding dresses. You simply click onto the designer wear that you would like to buy and at affordable prizes to ensure a good quality gown at a reduced rate for the time of your wedding and simply purchasing it from where you select it.

A fun awesome fact regarding brooch jewelery that recently gained prominence with the public is the cockroach jewelry. I found an editorial in the Washington Post back in 2006 that an enterprise manager outside of Salt Lake City, Utah took live roaches and decorated them. At this point it will not adversely affect the roaches because of the fact their skull is unable to extend past their outmost shell. The cockroach brooch jewelery includes a strap, to ensure that your small pin does not crawl away. The brooch jewellery sells over the internet for $80 dollars, but when you purchase one them in the retail outlet these are only $60 us dollars. Seek the services of the right DISC JOCKEY. The right man behind the mic could make or break the get together wedding dress 200. Hire somebody who knows how to have a great time. You want to possess everyone taking part. Depending on the taste long evening dresses, the DJ may play games, keep dance competitions, and help to announce the special occasions during the reception, like the wedding cake cutting or perhaps father/daughter party. Related recommendations: OUYF）7657808kjgu897hjthe height of its level of popularity among the trend elite beach wedding dresses under 200 three quarter sleeve evening dress 2019 dress elegant 5xl prom dresses mermaid dress

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[hillscapades]

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[andrewdburton]

Why are weddings so expensive?

Real quick: How much does the average wedding in the United States cost?

If you guessed anything other than $35,329, you’d be wrong.

How is it possible that someone can spend this much money on a single day? And how is it possible that everyone who thinks their wedding “doesn’t need to be that fancy” eventually spends more than they planned?

To answer that question, you have to understand that every little part of the wedding — from the venue right down to who you want videotaping everything — is going to cost money. And these costs add up quickly. The Knot recently published their list of average costs, so let’s take a look at the average price spent on (most) everything at a wedding.

A few quick takeaways:

The venue is the most expensive part of the wedding. And if you think you’re going to be able to save on it by holding your wedding at your house, you’re wrong — and I’ll explain why in a bit.

Your final price is going to fluctuate depending on how many guests you have, but on average there are about 120 guests at a wedding. That means catering for everyone can be in the neighborhood of $8,520.

LOL at how much more my fiancee’s dress is going to cost than my tux.

These prices might actually INCREASE depending on where you live. For example, the average wedding in New York City can cost over $78,000. When compared to Utah, where you’ll most likely pay in the neighborhood of $20,000, NYC can seem astronomical.

So how do we solve this $35,329 question?

How to save for your dream wedding (with advice from a wedding planner)

To get a better idea of how couples can save for their dream wedding, we talked to wedding planner Sarah Glick. She co-owns Brilliant Event Planning along with Chelsea LaFollette. For years, the two have been planning weddings all around the world — so they’ve personally handled their fair share of expensive weddings.

“The budgets for our clients really vary, depending on head count and location, but we have planned weddings for clients with budgets exceeding $1 million,” Sarah says.

Whether you want to save for a wedding of $35,329 or $1 million, all you need to do is follow a system of three steps:

Set a realistic budget

Prioritize the important things

Use sub-savings accounts to help you save

Step 1: Set a realistic budget

Even though you’re on a personal finance site like IWT, you’re still human. That means that your wedding will most likely be much pricier than you originally thought. The best way to not fall into debt when the day you sign a check to vendors arrives is to anticipate and plan for it.

“Set a budget,” Sarah says. “People often think they can just handle each contract with a vendor as it comes up and deal with the costs on a case-by-case basis. However, that often results in the client spending way more than they wanted to spend and more than they would have spent had they considered the overall big picture from the beginning of the planning process.”

So sit down and make a realistic budget of how much your wedding might cost you. The back-of-a-napkin formula for it is simple too. Simply take into account:

The average age at marriage, which is about 31 for men and 29 for women.

The average wedding cost, which is about $35,000.

If you’re 21, you should each plan to save around $3,500 a year or $292 a month.

And if you think that’s unreasonable, I have two things to tell you:

Even if you can’t save that much now, any amount you CAN save will add up down the road. Can you afford $50/month? If so, that’s $50 better than you were doing yesterday.

If you work towards earning more money, you’ll be able to eventually save this much. Keep reading and I’ll give you the exact resources you can use to get there.

Of course, this will change depending on how old you are and how much you want to spend on your wedding. Here’s a great wedding cost calculator you can use to give you a rough estimate of how much you should save based on what you want for your big day.

Step 2: Prioritize the important things

If your budget seems a little bit intimidating and you want to find areas to save, don’t worry. You can always prioritize aspects of your wedding to help you cut back.

“This depends on what the couple’s priorities are. Everyone is a little bit different,” Sarah explains. “Couples can save by choosing one or two areas to splurge on and then being cost conscious for everything else.”

It’s human nature to want the best for our wedding day, and we need to be realistic about that. However, you also need to be realistic about the fact that you can’t always have the best of everything. That’s where prioritization comes in.

From Sarah:

“For example, even though a DJ is cheaper than a band, live music is sometimes a must for people, regardless of budget. If you decide that the live band is a must-have, then you might want to skip custom invitations and order from an online vendor to save on stationary.

Couples can also save by going with a venue that has tables, chairs, linens, etc. already included. The contrast to this is a raw space where you would need to rent everything (which corresponds to a significantly higher rental spend).”

Remember how I mentioned that your wedding’s location can affect how expensive it is? You can leverage this fact and cut back on your wedding expenses by choosing a more budget-friendly location.

“A wedding in Mississippi, for example, will cost much less than a wedding in New York City, even if the head count stays the same,” Sarah says.

Once you know what your priorities are, revisit your projected wedding budget and reconsider some areas where you can cut back. If you have the costs on paper, you’ll know exactly which trade-offs you can make to keep within your budget. If you haven’t decided on what you want to spend though, it’ll look like there are no trade-offs necessary.

THAT’S how people get into debt for their wedding.

But I’m not going to let that happen to you. That’s why I’m going to show you how to set up a sub-savings account where you can put money away for your wedding automatically each month.

Step 3: Use sub-saving accounts to help you save

Let’s assume you’re 25 years old and plan to spend $40,000 on your wedding. Let’s say you also plan on getting married by the time you’re 30.

If you want to pay for the whole wedding yourself (a totally achievable goal), you’ll have to save about $8,000 a year or $666 a month for the wedding (let’s not read too much into that last number).

A perfect way to put away that evil amount each month is through a sub-savings account. This is a savings account you create in addition to your regular savings. Often times, you can even name them too!

You can leverage your sub-savings account to:

Put money away towards specific savings goals

Save cash when you automate your finances

The beauty about them is that they allow you to see exactly how much you’ve saved because the account is tailored for that specific goal. This does wonders for you psychologically.

When I first discovered sub-savings accounts, I created one and named it “Down Payment” for a down payment on a house. I was regularly transferring money into it based on my savings goals using my automated finances.

As the months passed, the amount in that account grew bigger and bigger, and I felt really proud of my accomplishment.

During this time, one of my friends was just blindly putting away money in an account he had mentally earmarked for vague goals.

Though we might have had the same amount saved away, the difference between us psychologically was staggering. Where he felt despair about trying to save money, I was motivated.

For me, I wasn’t working towards $20,000 for a down payment. I was working on saving $333 a month over five years — a perfectly achievable goal, especially after I tracked my progress.

So go to your bank’s website and open up a sub-savings account and name it “Wedding fund.” Once you’ve done that, you can now automate your finances so you’re putting money into it each month automatically.

Check out my video below to learn exactly how to set it up today.

Two big things couples get wrong about their wedding

There are a few things that couples do that they think are saving them money but are actually costing them more in the long run. Let’s go into them now so you can avoid them when planning for your wedding.

According to Sarah, those two misconceptions are:

“I’m just going to put a tent up at my home — it will be cheaper.”

The venue is typically the biggest expense for any wedding day. So if just use your home instead, shouldn’t that offset the cost?

According to Sarah: Nope!

“A lot of clients come to us and say they want to put a tent on private property to save on venue costs,” Sarah says. “However, if the property is a private home, I can almost promise it’ll be more expensive than a more typical wedding venue.”

The reason why is the same reason wedding venues are so expensive in the first place. Vox actually did an investigation of why wedding venues are so expensive and it’s due to the fact that weddings need more tender loving care than normal events.

Think about it. This is one of the only events that people expect to go perfectly. If it doesn’t, you end up with situations where people act like they’re on an episode of Bridezilla.

Also, your home is probably not suited for a wedding anyway.

“Your home is not created for events,” Sarah says. “You need to bring everything in including bathrooms for your guests, heating/cooling if the weather isn’t perfect, functional lighting, access to water and power (which means we need to run those lines), a second tent for catering, all of the tables, chairs, china, glassware, and flatware…and more!”

You also have to worry about paying for delivery and moving for all of the above, she adds.

So having the wedding in your backyard won’t help. Maybe if you had a destination wedding instead…

“Destination weddings are cheaper — fewer people will show up!”

Some people think that because you’re flying out for your wedding, you’ll be able to save money because, surely, fewer guests will want to show up…right?

“Truth is, [destination weddings] often cost the same as a local one,” Sarah says. “It used to be that if a wedding required travel, people would have a hard time getting there or affording the travel. And so they wouldn’t be able to come. However, nowadays, it is SO easy to travel. Flights can be found inexpensively and companies like Airbnb exist to make staying in a foreign place simple and affordable.”

So even if you have that awesome travel rewards credit card and can fly anywhere in the world for free, it doesn’t mean that your wedding will be cheaper.

“We’ve found that our head counts for destination weddings often do not differ very much from our local weddings,” she says.

Earn more to afford the wedding of your dreams

Despite what society tells you, there’s no right or wrong price for your wedding. You might have a wedding in the high six figures, or you might just have a wedding that ends up costing a couple thousand. Both are perfectly fine. What matters most is that you’re realistic about what you’re going to spend so you know what to save.

If you want a wedding that might cost a little bit more than you’re able to save for right now though, there is a solution: Earn more money.

You can only save so much money at the end of the day. However, there’s no limit to how much you can earn.

That’s why my team and I have worked hard to create a guide to help you invest in yourself today: The Ultimate Guide to Making Money.

In it, I’ve included my best strategies to:

Create multiple income streams so you always have a consistent source of revenue.

Start your own side hustle so you’re earning money for any financial goal (like a wedding).

Increase your income by thousands of dollars a year through earning raises and freelancing.

Download a FREE copy of the Ultimate Guide today by entering your name and email below — and start earning money for your big day today.

Why are weddings so expensive? is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/the-28000-question-why-are-we-all-hypocrites-about-weddings/ via http://www.rssmix.com/

[thereallaptoplf]

Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/ from http://thereallaptoplifestyle1.blogspot.com/2019/08/newlywed-finances-how-to-prevent.html

[enjoyinglife0]

Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/ from https://success11011.blogspot.com/2019/08/newlywed-finances-how-to-prevent.html

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Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/