Secrets of Saving Money on the Dress of Your Dreams
By now you have probably heard that the easiest way to save money on a dress is to buy it on Ebay or wear your mother’s wedding dress.
Now, I don’t know about you, but my mom had a pink, flowery dress that encompassed everything that was wrong with the 70′s, so this would not be an option for me.
However, through my experience, I have discovered the secret of owning the dress of your dreams…
What is it!?!!? You might be asking yourself…Well it is very simple. Bridal Shops need to carry a certain number of dresses. Every few months they need to clear out the old inventory to make room for the new. Now, they are not just going to throw these dresses away. They are going to continue to lower the price until it is sold. So, if you pay attention to the sales, you can save 50% or more on a contour wedding dress.
Also, be aware that Bridal Shops only carry a couple of sizes (typically 6 or 8) so call the shops first to make sure they have dresses available in your size.
Many couples do not talk about their personal finances before they get married. They are caught up in the moment of becoming engaged, the planning the wedding, followed by being adjusted to living together, and joining all of their finances. It is at this point many discover financial secrets or issues their partner failed to mention before getting married.
The biggest mistake anyone can make is to fail to disclose their true financial situation with their partner. This can lead to trust issues since the other party will wonder why you failed to mention a debt when there were times in the past money was discussed. It is always best to talk about all the debts and true financial status before getting married so both parties know about any possible issues or problems.
Not having a budget is one thing many newlyweds fail to establish from the beginning. They need to merge all their assets and debts so using a budget to maintain the savings and proper spending habits is required. Naturally there will more bills and expenses yet there is now another income to pay for the new bills and expenses. Do not panic when seeing the joint bills, it can be worked out with using a budget to plan how the bills will be paid and how the savings will be added to with each payday.
Deciding who will be in charge of paying all the bills and creating a savings plan. The two of you are now married so it is time to allow someone take over the position of the head bill payer unless you can reach an agreement with both sharing the responsibilities. If you decide to share the responsibility, then make a date where the two of you sit down together, pay the bills, and keep the budget on track. Remember to merge all the accounts so each person has access to the money in the savings and checking accounts. Also if there is a 401K, add the new spouse as a person who will get the account if something happens resulting in death or other accidents, this includes the car titles and house title if one owned a home prior to the marriage.
Once you have married, the debts such as credit cards and car payments should remain the original owners name on the titles. This is to avoid having the partner’s credit damaged if in the past the debt was delinquent or late at any times. Determine the spending habits so both are aware of excessive spending that may affect the goals of savings and paying the required bills and expenses.
The most important thing to remember is marriage is about compromise. Let the small things slide such as he leaves the toilet seat up, and she squeezes the toothpaste from the middle of the tube without pushing it down and wrapping the used end upwards. The small things are not worth fighting over. What matters is to reach a common stand on issues and money is one of the common issues to have within the marriage.
Finding common ground means learning to save and spend money together. When you go shopping for groceries, learn to talk about the items you both want to buy. Realize she might be a stickler for a name brand while he likes the generic brands. Reach a common point of agreement for the groceries you purchase. Sit down before going to the grocery store and discuss the buying habits and preferences.
The final issue for married couples is failing to plan for emergencies. You are so busy trying to pay the bills and enjoying your new life together that you fail to have a cash reserve for emergencies. Make a point of making a savings account for emergencies providing for financial security as well as the cash needed for future car repairs and vacations.