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Setting a Realistic Wedding Budget

You have dreamed about your wedding day since you were a child. You might have envisioned fairy tale dresses, plush limousines, hundreds of your closest friends and family members, and dancing until dawn. After all, this is your special day and you want to give your new life the best start you can.

Now that it’s approaching, reality is setting in. You know you deserve all of your dreams, but perhaps you’re not sure just how you’ll pay for them. You could max out your credit cards, but starting your married life deeply in debt doesn’t sound so romantic. You need to set a budget.

Setting a realistic wedding budget doesn’t mean you need to forget the fairy tale. It simply means you need to prioritize and plan how you will spend your money. That way you will be able to afford the things that are most important to you. And you will be able to start your married life without unnecessary, burdensome debt.

Begin setting your budget by setting your priorities. You have a vision of what you want your wedding to look like. But it’s time to take a more realistic approach. Decide which of the items you want to include are must haves, which are optional, and which would just be nice to have, but you could do without if you needed to.

Determine how much you can spend. How much money do you have saved for your wedding? How much will you be able to save before the big day? It’s important to be honest about how much you really can afford. That will help you avoid a lot of problems and conflicts as you plan your wedding, and ensure that you don’t create additional stress by running out of money too soon.

Decide how much you will spend on each area. Now that you know your priorities, and you know how much you have to spend, you can decide how much money you will spend on each area of your wedding. One way to organize this is to create a notebook sheet for each expense, such as dress, flowers, invitations, and write down your budget for that area.

Budget for the unexpected. As carefully as you plan, you may still have some unexpected expenses. If you overspend in one area, remember you’ll have to make up for it by spending less on something else.

Be creative. There are many ways you can cut down on the high cost of a beautiful wedding. Perhaps you can make your invitations so you can spend more money on your wedding dress. Do you have a friend who loves to cook for a crowd? Maybe she would like to help prepare the wedding feast. You can even rent your wedding dress, if you need to cut down in that area and spend more on others.

Setting a realistic wedding budget doesn’t mean you can’t have the wedding you always dreamed of. It is only a means of making it affordable so you can enjoy your day, without worrying about how much it cost.

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Frugal Tips to Shrink Your Grocery Bill (Plus Recipes)

Frugal Tips to Shrink Your Grocery Bill (Plus Recipes!) offers helpful money saving tips that will cut your grocery bill. Who doesn’t want to and need to save money in these hard financial times? Find out how to save money on groceries with this frugal tips ebook. Also included are some delicious frugal recipes.

 

Frugal Tips to Shrink Your Grocery Bill

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16 Money Saving Tips For Road Trips on a Shoestring Budget
By Bill Belei

The phrase “budget travel” can have a scary ring to it, conjuring up images of grubby highway motels, fast food, and bunking with relatives until you’re all sick of each other. But it doesn’t have to be that way.

You can turn your next holiday road trip into a fun and fantastic budget trip with just a few sensible changes that won’t hurt a bit. So in the spirit of frugality, here’s our list of the 16 best ways to cut costs on road trips and scenic drives.

Save on Fuel & Repairs

1. Check Your Vehicle. There’s nothing more inconvenient and annoying than car trouble on the road. So before you go, get a tune up. Bonus savings: A new air filter and spark plugs are proven to reduce gas usage.
2. Drive Smarter. Believe it or not, you can shave about 1/3 off fuel costs just by driving less aggressively. Save another 10% or more by going the speed limit. After all, scenic drives shouldn’t go by in a blur.
3. Use the Cruise. The cruise control reduces fuel consumption by keeping your foot off the gas pedal.
4. Don’t Idle More Than 30 Seconds. Turn off the engine and save another 20% on budget trips. Isn’t this fun?

Save on Meals

5. Eat Better and Cheaper. Avoid tourist traps; ask the locals where they eat.
6. Pack a lunch. It’s better for your health, your budget, and your fun quotient. When was the last time you stopped for a picnic on a scenic drive?
7. Seek Free Brekkie. Hotels that offer a free breakfast cut the cost of one meal a day.
8. Bring Coupons. Many chain eateries offer 2-for-1 specials, free beverage coupons, etc. You can also find discounts for hotels and attractions by combing travel magazines and websites.

Save on Lodgings

9. Use Your Points. Many reward programs let you use your points for accommodations and meals.
10. Low Season, Low Prices. When hot spots are off season, rates are down and so are the crowds. Take the kids out of school if permitted.
11. Travel on Weekdays. Plan road trips for weekdays instead of weekends and save on lodgings, meals and entrance fees.
12. Military Discounts. Service members, active or retired, can get low cost lodgings on bases, rec centers, and Armed Forces vacation club rentals. You’re also eligible for discounts at some commercial hotels.

Save on Fun Stuff

13. Gift Cards. For birthdays or other occasions, ask friends and family for gift cards that are good for amusement parks, restaurants, gas stations, etc.
14. Free Scenery. US National Parks have free admission weekends. Check online before you go and plan for a veritable smorgasbord of scenic drives through our eye-popping parklands.
15. Meander. See a cute town whizzing by on your road trip? Pull over, get out of the car and explore. Downtown is a good place to start. Then just meander down side streets discovering historical architecture, tucked-away parks, quaint little shops, and of course friendly people only too happy to tell you about their town.
16. Take a 24-Hour Vacation. Can’t get away for a holiday? Then take budget day trips down roadways you haven’t traveled before. All it’ll cost is the fuel and a meal. You’ll feel refreshed and renewed.

There you go – 16 tips that prove the best things in life are either free or very reasonably priced. So start planning your next budget trip or scenic drive today.

 

About the author:

Bill Belei is a seasoned road trip enthusiast and the founder of BestRoadTripPlanner.com, an information sharing site where members report on their favorite road trip adventures. You’ll find honest, unbiased travel plans, maps and photos of scenic drives, attractions, urban highlights, points of interest, and even warnings on where not to go. Use BestRoadTripPlanner.com as your next road trip planner or to share your latest adventure. You can earn points for your best trips and may win a prize!

Article Source: http://EzineArticles.com/?expert=Bill_Belei

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Most of use enjoy being able to buy the items we need as well as enjoy some luxury items now and then. The cost of many items though makes it difficult to budget for them if you don’t want to simply run out and charge up your credit cards every time you want or need something.

One of the best ways to get what you want or need is to take a close look at refurbished items, also referred to as reconditioned, that are for sale. These items offer you the same name brand and the same quality but they are sold for less. This is because the item has been returned because it did not work properly. Yet it has been looked at and repaired so it is just as good a purchasing a new one. Many refurbished products come with a warranty as well but several of them are purchased in an “as is” condition. Make sure you ask about this before you make the purchase.

Some individuals avoid refurbished products because they fear they won’t work well for them. They figure since the product has already proven to be defective one it surely will again. This is very rarely the case as refurbished products are examined by those trained to repair them. Once the problem is identified the work hard to correct it. Before the product is resold it is thoroughly tested.

Some items that get refurbished are more common than others. Generally all of the various types of electronic products out there can be refurbished. Vacuum cleaners and computers are two of the most popular. Why pay for a new computer or a new vacuum when you can get the same model with the same features for less then ½ of the price just by purchasing one that has been refurbished?

iPods are popular items many of us would like to have but not everyone is able to pay a couple hundred dollars for one from a retailer. Buying a refurbished iPod can be done for less than $100 and it will work for you just the same as one you buy off the shelf in the box. Other big ticket items where you can save a great deal of money is on television sets and home theatre systems or stereos.

Most people don’t realize it, but the computers, cameras, and other products that are opened up and placed on display in stores are often sold as refurbished items rather than new ones. There is absolutely nothing wrong with the product it has just been handled by many people and it likely won’t have the original packaging. You can ask the store manager about getting the store model at the refurbished price. They can contact you once the display period has ended.

Buying refurbished electronic products is an opportunity to save money over buying them new. To get the best bargain for your money, make sure you take the time to research the product you are interested in. If the reviews show that many of them have problems operating correctly you really don’t want to make that purchase. However, if the product has a good review then you can reasonably expect what you purchase to last you a very long time.
Try to find refurbished items that offer you the option to return them to the store if you have any problems with them. You should also look for items that offer you a warranty with the product at no charge. Too many refurbished items only come with an extended warranty period that you have to pay for in addition to the cost of the item.

To find out where to pick up a refurbished product that you are looking for, contact the various retailers that sell it in their stores. You can also take a look around on the internet to get some great information. Make sure you only purchase refurbished items from reputable retailers though as you don’t want to be disappointed with your purchase.

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The economy may be in a slump, but that’s no reason not to enjoy the Christmas holidays. Making a realistic budget plan for Christmas can enhance your enjoyment of the holiday season, and avoid months of debt. Here are some budget tips that can help.

1. Make lists. When you’re confused, it’s easy to spend more than you intended. Make a list of people to whom you want to give gifts, along with gift ideas for each person. Then mark off each individual as you buy for him or her. If you are going to be hosting any parties, make lists of guests and the supplies you’ll need.

2. Start early. Yes, everyone says this, but it really is one of the keys to a stress-less Christmas. It’s not unreasonable to start planning in the summertime, taking advantage of summer sales – even yard sales for decorations and accessories – so that you are free to think about more important things when the holidays arrive.

3. Budget with real numbers. It’s tempting to be fuzzy with a budget, estimating and guessing rather than looking at hard numbers. Go ahead and write down your actual income, any Christmas bonuses you anticipate receiving, and how much you plan to spend on Christmas gifts, entertaining, decorating, etc. If the numbers don’t add up, consider taking on temporary work or cutting back on your expenditures.

4. Take an inventory. While you’re making your lists, go through your attic and basement and make sure you are not planning to buy something you already have. There may be Christmas gifts you did not give for whatever reason, wrapping paper, and decorations you might have forgotten about.

5. Hand-make gifts, cards, wrapping paper, and decorations. This is a fun one, and is a great way to include kids in the festivities. Family members especially enjoy receiving creatively presented photos (think collage or nature-inspired frames), homemade ornaments, and presents wrapped in paper festooned with little hand prints.

6. Travel light and make reservations well ahead. Airlines are charging fees for extra carry-ons these days, so lighten up and save some money. Looking for airline and hotel reservations early in the year allows you the luxury of being choosy about the price you’re willing to pay.

7. Deliver gifts and cards in person rather than mailing. Postage – especially rush postage due to getting a late start on holiday shopping – is quite expensive. Bring your cards and gifts to the office, to church, or wherever you are going to be seeing the people on your gift and card lists.

8. Do gift exchanges for big groups. Gift exchanges ensure that everyone involved need only purchase one gift. Set a price range so the gifts will be roughly similar in value.

9. Throw a party with a theme where everyone participates. This is a festive way to combine the social aspect of the holidays with some of the drudgery. Have a cooking party – ask each guest to bring an ingredient and reveal who is cooking what with whom at the party. Or give each guest a decoration and see who can come up with the most creative way to display it at your house. Voila! Decorating done, even if unconventional.

10. Consider unconventional gifts. Not everyone needs a new tie or pair of earrings. Consider giving your time – bring a family a meal, or invite people over and cook for them. Sometimes, the gift of your time means the most.

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