Wedding loans?

Take it from someone who graduated with $120k of student loan dent and worked 4 jobs, around the clock (full-time AND overnight, plus my entire weekends), for 19 months just to pay off the $50k in my name. I missed out on my mid-twenties to pay off that debt and missed a lot of time with my fiance.

Do NOT go into a new marriage in debt. Do NOT go into debt for a glorified party.

@TP-no one has every said they have to have 30,000 wedding or 40,000 wedding. We tell you to host what you can afford. If that means cutting your guest list to 20 then that's what we tell you. If you can't afford a pretty pretty princess day then you don't have one.

If you don't have the funds you get you and FH, officiant and call it a day. If you want to host guests past that you better make sure that you can properly host them.

WITHOUT GOING INTO DEBT

I personally wouldn't take out a loan for a wedding. In my mind, loans are for emergencies (serious health problems), getting an education that will pay it back, and a mortgage. You can always put off the wedding or have a civil ceremony at the courthouse now and have a vow renewal party in a few years. The wedding industry has done a great job making us think we all need these elaborate parties and loans to get married, but you really don't. Your love isn't any less true if you don't have a big party.

Flagged, TP. Chill.

LMAO. Okayyyy, TP.

You all don't know what context I was saying it in. Don't @ me if you don't understand what i was talking about. If Christina doesn't understand the comment, then I am sure she would address me. Like i said, no reason to go into debt and that is that!

@TP, You can try to keep up with me, but I doubt you'd be able to...

OP, Have the wedding you can afford. Don't take out a loan.

TP, telling a member to "STFU" is against community guidelines. FLAGGING.

@TP if you wanted to leave a clear message you would have done so the first time.

Was your caps lock on during your last post or did you take MMB's advice?

LMAO Don't @ you TP?

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Lol! @GymRat

Ok we spent 9000 on our wedding and we have 147 guests. It's very possible to have a small wedding for 6000 for only 80 guests. Please do not listen to these people on here.

I have a friend who did this and one year later, is still in debt and regrets it. Don't do it!

The wedding industry has gone mad with prices (lol @ the almost 30k average) and it's unrealistic to expect most twenty somethings to pay so much for one day fresh out of school and on their first real jobs. Add that with family expectations, an unexpectedly large guest list due to inviting circles, rules for properly hosting - is it any wonder that young couples consider going into debt for a wedding? There's no situation where going into debt for a wedding is worth it though. Small weddings are a blessing in and of themselves and not nearly touted enough as they should be (well I guess vendors would make less money so they don't advertise it). You save so much stress and money and time and anxiety. And it removes the huge obligations on both sides - your pressure to host properly on a small budget and the guest's obligation to attend (which can be very pricey and time consuming if they are OOT and they aren't close to you)

@TP if no one knows the context of your comment by being in the thread on which you made the comment, then you should have actually made a clear comment.

I, as a 'budget bride', do get a little bit of WW envy, (y'all have gorgeous weddings <3) but that is completely my problem (and your problem if that's what you meant by "context").

No one on WW is telling anyone to take a loan out for a wedding they can't afford. The #1 comment is "have the wedding you can afford" without cutting corners at the expense of the guests.

This would be another way of cutting corners on having the wedding you can afford, but instead at the expense of your future, OP. It isn't worth it.

@Andrea, the cost of a wedding will vary by location. Just because you were able to where you live doesn't mean everyone else can. In my area (Chicagoland area) that would be impossible.

Yes @Gymrat??? You rang

Almost everyone here will say do not go into debt over your wedding, just host what you can afford. While people can dream as big of a wedding as they want, it is not worth it to go into debt and take a loan out for. You can have just as gorgeous and perfect of a wedding with less people.

Nope. I wouldn't go into debt for my wedding. I know you said that you will be able to pay it off. But, what if something changes and you are not able to make those payments anymore? Do you want to deal with that possibility? I have looked into loans for the wedding, but I'm sure the interest is also high which means you'll end up paying way more than you would have if it was paid off upfront.

I would either work with the budget you have or push the date back and save up some more?

Yep, blame the industry for offering things that people are convinced, by the media, that they need to have and thus create a demand for them. This is how photobooths, STD's, proposal boxes, after parties and dozens of other things became ubiquitous. Blame Pinterest too, while you're at it. And every styled shoot you've ever seen that cannot be reconstructed without lots of time and unlimited bucks.

Then add to it the completely unrealistic notion that everyone you ever met needs to be invited, when honestly, many of them don't.

The expectations? They are self inflicted. If you have 5000.00, you invite 20 guests. And they'll be treated well. Problem solved.

There are PLENTY of vendors who are happy to work with smaller budgets when the expectations are fair. Unfortunately, giant venues are not one of the categories. They have so many billable nights and have to hit minimums, but our smallest officiating package is 155.00. Yep. you can be legally married for under 200.00 if you add the license in there.

The stress, the budget problems all stem from one thing; wanting too many people and too many details on not enough money. Relying on friendors and calling in favors because the wishes have outstripped the budget.

It's all controllable. But a loan is not the answer.