Wedding Debt- advice

Thank you for the suggestions. I have definately done my research on Disney wedding & non Disney options, and I have priced out the S&D. Once you add in all the details, it really isnt much of a bargain. It ends up costing almost the same as the Escape wedding, but you end up doing a ton more legwork yourself. They also have had some bad reviews. The Escape wedding at least is all handled for you (although no reception, they have the cake cutting thing). They do offer more flexibility on the guest list though, than Disney. We have also looked at the Celebration hotel and the Disney Cruise Line. I think that if we can't afford to do Disney the way we want, we will prob do Cancun. We realize not everyone would be able to come to a destination wedding, we are ok with that. We do not want an at home wedding, and we know if we have one, we will regret it. We want small, intimate, and away. We really just want our parents there, and we would like to invite some others it would be wonderful if they could come, of course we understand if they cant afford it.


I hadnt thought about the boards! it may be a bad time to plan the wedding right after school ends, not sure if I can handle the stress of studying for the nursing boards and the wedding at the same time! Thanks for mentioning that!
 
Our families each offered a talent to help with the wedding. It was long ago, so the amount won't really help you. I think its ridiculous the amounts that people spend on weddings today. All that money can buy a home, furniture, pay off previous debt, so many things to start your new life. Its foolish to spend all that money on one day when you have a lifetime together ahead of you. Couples can still have lovely, beautiful weddings that are very personal to them without it costing an arm and a leg. Don't get sucked into the bridal industries money making gimmicks. Good luck.

Only thing I would change if we could would be that it would be a type of ceremony that reflected us more instead of in a church. Personal fun weddings weren't in or cool back then. So we did what everyone else did and went traditional. Still lovely and it accomplished what it was supposed to. It got us married and onto our honeymoon and life together. :goodvibes
 
I'm wondering if there's a pattern here...Trying to figure out if those who 'wouldn't change a thing' are mostly the ones who didn't pay for it. In conversations I have with people - that's what I find. People who don't even know how much it cost because parents paid for it, tend to have loved everything. People like me and dh, who paid for it ourselves and had an informal, picnic reception - while I still LOVED every minute, Yes, I would change some things. There was really no reason to have as many people that we had there. At the time it always seems like 'well I HAVE to invite this person if I invite that person' - especially because DH and I work at the same company so it seems like we invited practically a whole department. With hindsight, I would have considered very carefully if I had a relationship with that person that would make it meaningful for him/her to be there before insisting they are on the invite list. It would have made it smaller and more intimate AND would have saved some cash at the same time.

Do whatever works best for you and dh...don't consider anyone else (even we DIS'ers). Personally I would never go into debt for a wedding...there are often so many other expenses that come with a wedding (a nice honeymoon, for starters) - that IMO it isn't worth it to go into debt on day #1. However, there are some people that might really regret it if they didn't.

Nope. We had the big shabang. Cost a fortune. We don't regret it at all and we paid for it ourselves. We had what we could afford and were very lucky to be in a position that we could have what we wanted. I do agree though that many of these bridezillas seem to be the ones who aren't paying a dime. It is so obnoxious I think.
 
We got married on the beach in Key West with 6 guests, we all had dinner at a local resteraunt with champagne and cake for our "reception" and then my husband and I rented a car, drove to Orlando and spent 9 days in disney for our honeymoon. The entire thing including my dress that I bought at David's Bridal for $399. was around $5000. We had saved about half that before the wedding and it and took us 3 mos to pay off the rest when we got back.
 

I'm glad to see there are a lot of others who spend modestly on their weddings. Mine was right around $5000 for everything. I didn't want my parents burdened by my wedding and my DH and I had very little money ourselves. It was just right for us. We've been married for 20 years now.

To put this in perspective....one of my sister's friends had a lavish wedding and her dress alone cost $5000. Her parents were still paying off her wedding when she got divorced two years later. Ugh.

It seems as time goes by, the wedding industry has really put on an effort to get people to spend large amounts on this one day, and people are falling for it.
 
To put this in perspective....one of my sister's friends had a lavish wedding and her dress alone cost $5000. Her parents were still paying off her wedding when she got divorced two years later. Ugh.

This reminds me - I have a friend who went into so much debt for her elaborate, fancy, huge wedding and reception, that night they were counting the checks they got as gifts and figuring out how much more money they still needed to pay for the wedding! They were still in debt from the wedding when they got divorced 2 years later :sad2: I think sometimes people forget to plan for the marriage when they are planning for the wedding day.
 
spent 450.00! We were building a house at the time and thought the money was better used there...I got a pretty white dress at express,he got a white linen suit at macys marked down to 40.00,we got flowers and cake from publix (they did a great job on the flowers),and finger foods from publix,white candles,a box of champaine glasses,white christmas lights and 2 cases of beer lol...we got married in a friends backyard that they put the white lights and teki torches in.We had about 30 people there and put it together in 24 hours!It was VERY PRETTY....we sent anouncements that we made on the computer out afterwards.
 
first wedding less than 2k. Planned and done in less than 2wks and that 2k included the $800 wedding dress and $500 rent on location.
(that was our 'shotgun' JP wedding...no we weren't pregnant, it's a long story!)

second wedding was our catholic wedding(same DH! LOL). About 100ppl. I was hugely pregnant then so needed a new dress that cost near $500 (and I hated it too).
Photographer was about $1k. Dinner was $175/pp(included a wedding cake, huge buffet and open bar). DJ was about $500. Flowers were about $800.
Other rentals and centerpieces and etc were about $600. Hotel rooms were about another $300. Tips and donation to church for performing the wedding were another $500. Probably another $500 in additional expenses that I'm not counting. So...
Holy Cow! Close to $23k!!

We didn't have any debt from the wedding though. We paid about 5k of that over the course of a year. My parents paid another 5k. And I guess the IL's paid the rest which was mostly the ppl they invited. We asked our parents to pay the plate for whomever they wanted to invite. I have a tiny family, DH has a huge family and the IL's insisted on this particular location which was way out of our budget.
 
I got married 23 years ago, spent about $2500 total, and that includes everything. We paid for tux rental and paid for the bridesmaid dresses even. It was the wedding I wanted, and I can't imagine anything I would have spent $25,000 or $50,000 for.

My partner at work got married 1 1/2 years ago, and her wedding came in at about $4,000, and her's was very similiar to mine. The third juvenile officer is going to get married today, in about 5 hours. She and her fiance decided, since it's a second marriage, to go to Gatlinburg alone to get married in a chapel there. They'll spend the weekend there as a honeymoon and be back to work on Tuesday, after the holiday.

Anyway, my wedding was held at the church were my maternal grandparents attended. Both were already dead by the time I got married, but I used to go there at times with my Mamaw when I was a kid. My grandfather was the elder in charge of the building fund that built the church, so that was my way of having them there.

My husband's great-uncle officiated. He was already 77 years old at the time. (He just turned 100 this last Monday, the same day our DD turned 18.) During the ceremony, he told stories about DH and I. I was his papergirl when I was young, and only lived a couple miles from him.

I was in a bridal shop looking at dresses, when another customer said that the JCPenney outlet in Columbus, OH, had bridesmaid dresses similar to that we were looking at. She suggested, if we had time, to go over there to check them out. I'm glad we did. I was able to find the almost exact dress for $10 each. That's a one and a zero, $10. The only difference is that the hemline was dipped up in the front on the JCPenney dress and not straight across like the bridal shop dress. I liked the JCPenney hemline better.

I also found my wedding gown there. Lots of frills, completely beautiful, and a lot less than the same dress at the bridal shop. It will get worn again, I hope. I had it boxed at the Dry Cleaners so that a future daughter could possibly wear it someday. She's only 18, so it will probably be at least 8 years before she'll made that decision.

The dresses needed minor alterations, so my ex-boyfriend's sister took care of those for me as gift of love. She was wonderful. She did all the flowers for me, as well as pew bows, centerpieces, etc. I just had to pay for supplies. (She said she decided she was going to do my wedding when I dated her brother. She said, even though I married someone else, she still loved me and wanted to do my wedding. The funny thing is that she and my husband have an aunt and uncle in common. Her mom's sister is married to my MIL's brother, so it's still family.) My favorite aunt also did a lot to help with the decorating and making sure that everything was done that needed to be done.

DH's cousin played the organ, and his distant cousin (the great-uncle's granddaughter) sang several songs during the ceremony.

For the reception, we had it in the church's family center. At the time, at least around here, very few people had meals at weddings. Mainly, it was punch, cake, and light hors d'oerves. A friend made the cakes, using a design I came up with from going through cake decorating magazines and bridal magazines. I had a 3 tier traditional cake on a riser, with 5 smaller cakes attached with ribbons. The smaller cakes were various flavors, since I am not a big fan of white cake.

I had to have so much cake since I had about 250 people there. A lot of them also came to the rehearsal the night before to watch, and stayed for the rehearsal dinner. It was a great party, and a great chance to sit and visit, something DH and I would not have had the time to do on the actual wedding day. His cousins on his dad's side catered the rehearsal dinner. The Umphress women can cook! It was delicious!

A friend's dad had a business as a videographer, so her present to us was the wedding videotape. An art teacher from my high school was a photographer on the side. He gave me the rolls of film to have developed, so I could get the proofs and order the shots I wanted at a lower cost. He later became my daughter's photography teacher in high school when he came out of retirement to cover for the current teacher who was on a long medical leave.

DH's brother has two daughters and one step-daughter, who's mother had died by the time she finally convinced someone to marry her. She insisted, and my BIL went along with it, having a $30,000 wedding at a church she didn't even attend. He spent 10 years paying off that wedding. She had been on her own for 10 years, had lived with 4 different men, and still wanted the whole white dress wedding, paid for my someone who wasn't even her father. Her father wouldn't pay all that since she had lived with so many guys. Wanna guess how happy her marriage turned out?

Because their half-sister had that kind of wedding, my two nieces also decided they needed an expensive wedding, and they each opted for one that cost $15,000. One niece made, at the time she got married, $25,000 a year more than her father, and she still insisted he pay for everything. Wow.

I could not imagine spending that much money on one day, when I could use that money to be happy and comfortable for years and years. $10,000, $15,000, $20,000, that would be a nice down payment on a house, or a car, or a trip around the world.

Oh, my partner at work that had the wedding similar to mine? They bought a house with the money instead. It's definitely not a starter home. It's one they can be comfortable in for years, with plenty of room for kids.
 
I didn't mean that as a dig toward you at all. I have just heard so many people say (including myself) that the best day of their lives was when their children were born.


Oh I totally didn't take it as a dig. I also know many people who say that the day their kids were born was the best day of their lives. I think it depends what kind of a person you are. Like I said I loved being "celebrity for the day" and the fact that my parents paid as others have said probably really helped me enjoy the day. My message here to the bride is fugure out what kind of person you are. As one who enjoys being the center of attention it probably is worth it to spring for the wedding you wnat but if you are more of a low key gal then keeping it simple and inexpensive will probably make you happier in the long run.
 
About $2000 almost 20 years ago; we did everything ourselves and made that money go a looooong way . . . no debt to regret . . . I would change nothing, especially the groom . . . Serious question: Do you want to be married, or do you want to have a huge, wonderful party? Don't confuse the one with the other. If you can afford to live, you CAN afford to be married. That's a far cry, however, from being able to afford to have a big party.

I should not be surprised this quote comes from MrsPete! Very, very wise...It makes me so sad when people think that they can't be married because of finances. I say go to the justice of the peace, get married, and when you can "afford" it --have a great vow renewal celebration!
 
We went into debt for our wedding in May 2001 - paid it off within a year, so it was worth it to me.
We got married in an intimate wedding at Disney with 9 of our family and friends. We had the horse and carriage, Mickey and Minnie at the cake cutting, dinner and wine at California Grill and early morning castle photo session. All in all it was $10K for the wedding including invites, rings, photo/video, flowers, clothes, girls tea, guys drinks, mickey hats for all .... Inlaws paid for welcome dinner and day after breakfast. The honeymoon and travel expenses added $6K at Grand Floridian and Port Orleans Riverside (tickets, food, air, town car, stuff).
The same wedding would cost about another $2-3K more today and might have been too expensive. But it was definitely worth the splurge and the kids love watching our wedding video on our anniversary.

Worth every penny
 
For my wedding, my parents gave me a budget of $5,000 and it cost about $4,500 (they gave us the remaining $500 to help pay for the honeymoon). During our engagement, I spent a lot of time focusing on "the day" instead of "the marriage". Well "the day" ended up being nothing like I imagined. Almost everything that could go wrong, did go wrong (photographer hurt his back the day of the wedding and did a half-way job, caterer messed up a lot, etc). It definitely wasn't the wedding of my dreams. My memories from that day are mainly about the stress of everything not being "perfect". But my husband and I have had a good life and we have three beautiful kids to show for our marriage. I'm just thankful we didn't start off in debt from a huge wedding.

If I had to do it all over again, I would take the $5,000 and dh and I would go to an island somewhere and get married on the beach in a simple ceremony (and have a really nice honeymoon).
 
I should not be surprised this quote comes from MrsPete! Very, very wise...It makes me so sad when people think that they can't be married because of finances. I say go to the justice of the peace, get married, and when you can "afford" it --have a great vow renewal celebration!

I can understand not getting married because of finances. A friend of mine's father (who is in his 60s) has had the same girlfriend for years - she won't marry him - she gets alimony from her ex that stops when she marries. Plus there are - at their ages - issues with social security payments. (My friend suspects this has more to do with her sticking it to her ex than her needing the alimony check, but....)

My tax bill would go down $10k if I divorced my husband. He happens to be worth $10k a year to me, but at the same time, that's not an amount of money to sneeze at.

Generally, two can live together cheaper than two can live apart - and marriage is probably going to add advantages. But with the marriage penalty in tax, sometimes you come out ahead living in sin.

However, I agree with the sentiment Mrs Pete is expressing - there is a difference between not being able to afford to be married (or have kids - which to some people is still a natural result of a wedding ceremony and is really the expensive part) and not being able to afford a wedding. And sometimes we forget which one of these is the important thing that happens on that day.

And on destination weddings in general:

http://www.washingtonpost.com/wp-dyn/content/article/2008/08/01/AR2008080100138.html
 
Maybe this has already been suggested, since I didn't read everything, but there is one bride on the Disney Weddings Board that is getting married at the Marriott right outside of Disney. So it will still be in Orlando, but it might not have the restrictions that Disney does.

Not sure if it will be more or less expensive, but I would really consider other options than just Disney (inside the gates). There are so many options inside and outside of Disney that I think you would be able to fit something in your buget and have the small, but not too small atmosphere that you are looking for.
 
For the poster that wondered if "I wouldn't change a thing" meant you didn't pay for the wedding:

DH & I paid for our wedding at age 24, while living on our own & working retail jobs. My father only contributed $1000 toward reception. We used talent of family members to help with other parts of the wedding, but we still paid them for supplies. Mothers made the flowers. A relative was a DJ. Those types of talents. We paid for the wedding and honeymoon, but we were opening those gift envelopes and depositing the money before we left for the trip. We were broke by then. Not a great feeling for starting a life together.

I think it was $3500 for wedding and honeymoon over 20 years ago for 100 people. A lot of money when you are making $7 per hour, paying bills & rent, and college loans. And $3500 was a budget wedding all went by so fast.
 
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I think our wedding and reception cost about 3000-4000 (1993). Paid in cash. Then my DH paid off the small car note I had and we splurged and rented a car to drive to WDW! We got back and paid that bill off in 30 days. We had a wonderful experience and we are still glad we did not start off our lives with a big debt. By the way, our first child arrived about 19 months later and we were able to afford all the usual stuff for her (lots of diapers and gerber food!)
 
We had a moderate wedding, maybe $25,000 for ALL expenses which for where we live and our socioeconomic class isn't all that much. (my sisters wedding was probably twice that). We were both still in graduate school at the time and all expenses paid for by both parents. I am very grateful for what they gave us. Had they offered $5000, that's what our wedding would have cost. While we had a wonderful wedding, it's absolutely NOT something worth going into debt for AT ALL. It's ONE day. Four years later and dealing with more than $80,000 in student loans, I'm still glad we didn't go into debt for something like a wedding. It's just one huge money making industry.
 
Well, 19 years ago I had TWO weddings two days (and 850 miles) apart. The total cost of that was about $3500. That included r/t airfare to the second wedding for the two of us, my MIL and BIL.

We did this because DH's grandparents and my mother were all unable to travel, so we had a civil ceremony and reception where we live (DH grew up here), and then an RC mass and reception where I grew up, so that my mother could attend. The church wedding used the license from the civil one, and there was a waiting period, which meant that we had to complete the services within a window between 2-6 days of the issuance of the license.

We used venues that let us bring in outside caterers, and then didn't use caterers -- my family and I made all of the food except for the 3 wedding cakes. We did the decor flowers ourselves, too -- but the bouquets and boutonnieres were purchased from a professional. We didn't bother decorating the church; Catholic Churches always have flowers in place anyway, and it looked just fine without extra greenery/ribbons. No limos or anything like that; regular cars work nicely when they are clean. (Both receptions had about 30 guests, btw.)

I think that destination weddings are often kind of a pain for guests, and most people that I know HATE being invited to them. (See the Carolyn Hax response linked above -- I've got to say that she's right in 90% of cases.) However, if your family likes the idea, then sure, go for it. If you really want Disney but don't want to live with their restrictions, have you looked into the Swan/Dolphin weddings? I believe that they charge about 60% of what Disney does, and are not as draconian with the guest numbers. They use a courtyard near the Boardwalk Bridge for services, and the ones I have seen happening there look lovely. Personally I think that the Boardwalk beach area is one of the prettiest places on property.
 
We had a simple yet very nice wedding...best of all no debt. We had it in our church with a simple reception after no big meal. We were older (I was 27) and we paid for most all of it. We went to Gatlinburg for a week for the honeymoon and cancelled Sandals/Jamaca since we bought a house the month before we got married and used that for some of the down payment. Wouldn't change a thing! Especially the groom as someone else mentioned...20 years later we are still frugal and loving it. My SIL took $ from her retirement account to pay for a $25,000 wedding for my niece. Dinner was delicious and country club beautiful, SIL is divorced and really needed to keep the $ for retirement but didn't listen to anyone. My niece got divorced 1 1/2 years later, but they had a great party!
A friend of mine got married in Hawaii just the two of them (hotel people were their witnesses) and loved it. Another friend had a chapel wedding in Gatlinburg which was beautiful with just their immediate family and it was really nice as well.
 


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