Is anyone considering taking one out if they come up short? I was going through our budget and what we still need or need to put away last night and after fainting had to come to terms that we MIGHT have to if by June/July we aren't were we need to be! Anyone else???
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
Posted by Sharron70
I was thinking about it but I think we'll be ok.
If you do think you need to go that route, definitely check out www.prosper.com. Very interesting site. I got a loan through there to consolidate some credit cards. IF I find I need to for the wedding, I will probably go through them again (you're allowed one loan every 6 months).
The only thing is it's not guaranteed (I had to 'apply' three times before I got mine) so you may want to make a decision now and start trying.
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
Posted by wifetobe
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
But if you use credit cards now you can pay them off immediately after your wedding with the gifts. I'd say that is the better option than a loan if you are looking to buy a house. The mortgage market is terrible and they look at EVERY debt you have.. Just be careful with taking out a loan.
We are putting what we can on credit cards and that's the first thing we will pay after the wedding
good luck
Posted by wifetobe
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
But if you use credit cards now you can pay them off immediately after your wedding with the gifts. I'd say that is the better option than a loan if you are looking to buy a house. The mortgage market is terrible and they look at EVERY debt you have.. Just be careful with taking out a loan.
We are putting what we can on credit cards and that's the first thing we will pay after the wedding
good luck
What about asking your parents for a loan, or a sibling? This way you can pay them right after the wedding with the gifts you receive and nothing goes on your financial records? Could that be an option for you?
Posted by missliss
What about asking your parents for a loan, or a sibling? This way you can pay them right after the wedding with the gifts you receive and nothing goes on your financial records? Could that be an option for you?
Posted by missliss
What about asking your parents for a loan, or a sibling? This way you can pay them right after the wedding with the gifts you receive and nothing goes on your financial records? Could that be an option for you?
We considered it but I think we'll be able to make due without it.
Yes, we have discussed this!! Hoepfully we wont have to but we'll see.
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
Posted by KK Holiday
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
FH and I put our wedding money in an ING savings account. this way we are making a pretty decent amount of intrest on it but we can still take money out when we need it. You might consider doing this instead of keeping the money in envelopes where they are not earning interest.
We're making almost $40 a month in interest!It's not crazy but every little bit helps!!!
Posted by KK Holiday
FH and I put our wedding money in an ING savings account. this way we are making a pretty decent amount of intrest on it but we can still take money out when we need it. You might consider doing this instead of keeping the money in envelopes where they are not earning interest.
We're making almost $40 a month in interest!It's not crazy but every little bit helps!!!
Unfortunately me and My Fh have to take out a loan. I am so stressed about this, but my FH is in school and isnt graduating for another year or so. We have paid off all vendors. Its just the RH that is killing us. We will pay it off right away though.
Posted by KK Holiday
Posted by emomma17
Posted by Kimbalina
No we are desperatley trying to pay it off before. Are you counting everything? what about payments that can be made after the wedding? Like videographer or photographer?
I am really really trying not too. What we've been doing is putting away envelopes for each vendor...the photographer has to be paid before so i have his envelope already, videographer needs 1/2 and i have him done, dj done, and florist done but now we have the hall, limos, invites, wedding bands, gifts, RD and all the little things that are going to add up! I am starting to freak with 6 months left I don't know what we are actually going to do so I thought of the loan option in case because i refuse to use credit cards.
FH and I put our wedding money in an ING savings account. this way we are making a pretty decent amount of intrest on it but we can still take money out when we need it. You might consider doing this instead of keeping the money in envelopes where they are not earning interest.
We're making almost $40 a month in interest!It's not crazy but every little bit helps!!!
