Ways to Pay for a Wedding & Honeymoon

Your wedding is arguably the most special day of your life, and you are absolutely right to want everything to be just perfect.  The plan is to only get married once! Creating the wedding of your dreams can become an expensive affair, and it can be difficult to get the money together so it’s exactly how you envisioned it.  We have put together some preparation tips and financial options you may want to look at whilst getting ready for your big day.

Put a List Together

The first thing you need to establish, is the amount of money that this may cost you.  Wedding costs can get out of hand, as there is always something you will forget. It could be the party favours, the cars, or the cake, anything really.  You will be frazzled in terms of planning as there is a lot to think about, so it’s important to list everything out and get an idea of what your perfect day will cost you.  Wedding planning will leave you in a better position to review your financial position and figure out what your options are.

Shop Around and Negotiate

There are lots of wedding suppliers, so the market is incredibly competitive.  This gives you the option to shop around for the best deal and reduce those costs you planned out. You may find that some offer discount in terms of the season, quantity or location.  Don’t be afraid to negotiate with them either, this is something they will be used to. If you don’t ask the question, you won’t get! Make sure before you make any decisions, you do your online research when it comes to suppliers.

Get a Personal Loan

This can be a scary thought for some people, but it doesn’t need to be.  Companies such as Everyday Loans create processes that are easy for you to receive a decision and to help you fund your special day.  They give you the capacity to apply online, and even if you have bad credit it doesn’t mean that you won’t get approved.  If you do get accepted, normally it would simply take a visit to the branch to get things confirmed. Make sure that you read the small print before signing up to any loans to make sure you are comfortable with the APR and the payment plans offered.  

Downsize Possessions and Sell

Are you moving into a new home, or looking to do a clear out in preparation for marital bliss? This gives you the perfect opportunity to have a look through your belongings and check to see if there is anything that you could live without to help fund your wedding. If there is an option to sell anything off – there are many online tools that will allow you to do this.  There are the likes of eBay, Facebook Marketplace, Amazon etc.  This should make the selling process easy for you and will in turn give you some extra cash to use for your big day.  

Bank Overdraft

Depending on the bank you are with, they may be willing to offer you a substantial overdraft to help with costs.  This is a good option, if it’s only a short-term solution and you are able to pay the money back fairly quickly. There is never usually any set up fee and you are only every charged overdraft fees for the amount of time you are overdrawn.  You of course would need to speak to your bank to come up with an agreed overdraft limit and to see if they will accept your application.

Credit Cards

This is an option if you can get a good deal.  There are many companies out there these days that offer 0% interest over a certain period of time to make it more attractive.  It’s worthwhile if this is a long-term arrangement on the 0% offer. It means that you can make the purchases you want to, and if you pay it back in the allotted time you won’t incur any additional fees.  It’s worthwhile checking on the interest rates after the 0% runs out.

Ask for Contributions

This might not be something that you are comfortable doing, but is something that is becoming more regular when preparing for a wedding.  If you don’t need any wedding gifts for moving home – then instead of registering for gifts, you can ask your guests to contribute to your honeymoon costs.  You also may have some talented friends. If you know any photographers, musicians, DJ’s or caterers – get in touch with them and ask if they can help you out.

 

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When You Need an Attorney

There are things that occur in life that require you to hire legal representation in order to properly fight when you have to go to court. Hiring the right attorney is important. The following guide walks you through the different types of lawyers that are available and why you would need to hire them so that you can hire the right attorney to help you the next time you need to go to court.

Personal Injury Attorney

When you someone is injured due to the negligence of someone else, the injured party will often have to hire a personal injury attorney like Steven Schwartzapfel Lawyer in New York to fight to get compensation for the injuries that they suffered. An experienced personal injury attorney will know how much money to fight for when you go to court to ensure that you are able to pay for all of the medical bills you accumulate right after the injuries take place and for years to come.

Debt Settlement Attorney

When you get deep into debt, you may need to hire a debt settlement attorney to help you negotiate with debtors to lower the amount that you owe or at least determine a payment that you can afford. The lawyer will create a legally binding agreement that you must follow exactly the way that it’s written.

Wrongful Death Attorney

There are many times when someone is found innocent of murdering someone but can still be found guilty of wrongful death in a civil suit. Families who want to seek justice for the wrongful death of a loved one after the criminal courts did not get them the justice that they wanted can hire a wrongful death attorney and file a civil suit against them. Proving guilt in a civil trial is much easier than in a criminal trial because the jury only has to believe that the probability of the person committing the crime is high.

Immigration Attorney

If you are trying to become a United States citizen or an illegal alien who is afraid of being deported, you need to hire an immigration attorney. The attorney will be able to help you file all of the necessary paperwork to fight for your citizenship. If you cannot get your citizenship, they can help you apply to get a work visa so that you can stay in the country and work.

Estate Planning Attorney

If you come into a large sum of money through an inheritance or lottery winning, it’s a good idea to hire an estate planning attorney to help you determine how your estate should be handled. You want to be sure that you save, invest, and spend the money wisely. The attorney will be able to look over any contracts before you sign them to make sure that they are legally sound and that your money does not get swindled from you.

When you meet with an attorney, you need to bring all evidence that you have with you to the first meeting that you have. This allows them to look over things and discuss what options are available to you so that you can make an informed decision about the next steps that you want to take. Some cases can be settled out of court, while others need to be fought tooth and nail in court in order to possibly get the outcome you want.

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Four Tiny Details that Are Often Overlooked by First-Time Homebuyers

Buying a house for the first time can be very exciting. During the excitement, there are small details many first-time homebuyers accidentally overlook along the way. Once you’ve found the home of your dreams, the guide that follows walks you through a few small details you need to be sure to remember to do if you want your move to go as smoothly as possible after you buy your first house.

Downsize Your Belongings

When you need to pack your stuff to move them to a new home, you’re presented with a great opportunity to start downsizing your belongings. There are bound to be items you don’t use often within your home. Take the time to get rid of these so you only have to move items that are valuable to you. You can donate items that are still useful to a charity so you can get a deduction when you file your taxes.

Hire Movers to Move Your Belongings for You

Some homeowners choose to try to move their belongings on their own. This is often quite a hassle and can lead to someone being badly injured when they attempt to move something heavy. It’s best to hire movers like North American Van Lines to handle the move for you. They already have the moving trucks and manpower needed to move all of your items with ease. It allows you to move in less time and reduces the chances of your belongings getting damaged in the process.

Prep New House Before Moving

It’s best to take the time to prepare any areas of your new house before you move into it. You should have the house treated by a pest control company to make sure there are no pests living inside. Most treatments can be done while you’re living in the house, but it’ll more convenient to have everything done before you move in. If any animals are found, you want them to be removed before your family starts living there because seeing a bat, roach, or mouse in the house could be traumatizing to your family.

Also, paint any areas that need to be painted and have the carpets cleaned before you put furniture into the house if it’s not a new build. This allows you to avoid having to move things around to clean the carpets later on down the road.

Transfer Your Kids to Their New School

There are some parents who think that one school will automatically transfer a child to a new school when they move, but that’s not the case at all. It’s the parents’ responsibility to fill out the necessary paperwork to have their children transferred. It doesn’t take long for the process to be accomplished and can often be done ahead of time so your children can start their new school as soon as they move so that they don’t miss any days.

Taking the time to remember all of the small things that need to be done when you move will make the experience less stressful and more enjoyable for your family overall. It’s best to talk to your real estate agent to ensure that there aren’t any other details that you may be forgetting. They’ll have a lot of experience dealing with moves and should be able to provide you with more helpful tips that’ll make your moving process easier.

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