This is what happens when you don’t plan.
December 14, 2012 8 Comments
When Mr Woodpecker and I first got engaged we discussed the plans for the wedding. He wanted to get married after we got out of debt (should happen in around 4 months from now). I am totally on board with this plan.
I then brought up how we will save for the wedding expenses. Mr Woodpecker thought pretty strongly that we shouldn’t pay anything for the wedding expenses or save anything for the wedding until after we are out of debt.
While logical in a boy, single minded focus kind of way, it really isn’t practical.
For instance, we are leaving for 2 days next week to go to Vegas, look at venues, and take our engagement photos. All wedding related expenses. And little of it we have the money for since we didn’t start saving anything when we first got engaged.
We ended up paying for the airfare and hotel with money in our checking accounts, but for the engagement photos I had to secure the photographer – which meant a 50% deposit. Which meant money I didn’t have. So where did I turn? The trusty credit card. Money now, pay later.
This lead of course to me shopping for a dress for the engagement pictures – which led to me shopping for a dress for the wedding – which led to me finding the perfect dress. Which led to another $580 on the credit card. So BOOM – almost $800 of progress on the debt destroyed in a matter of a few days.
Then Mr Woodpecker had an emergency expense of $750 that had to be paid the very next day. We used his emergency fund for this. And now I’m just…grrr… angry and annoyed at how easily I slip back in to habits.
But it reminded me very clearly that if there is something that I know I’m going to spend money on THAT’S OKAY. I just need to PLAN for it.
So Mr Woodpecker and I sat down today and discussed it and I told him there was no way I won’t be able to spend money on the wedding until just the month or two before the wedding. That I was going to need to put down deposits and buy invitations and all of that stuff. So I can’t just have no budget. We need to set aside money now, each month, to pay for wedding stuff or I’m going to keep using the card.
He finally saw my point of view on it and we’re going to build our budget for the 15th assuming some money towards the wedding. Initially I’ll probably just use the majority of it to pay off the money I’ve already spent, but I do know that Save the Date cards will be the next big ticket item and perhaps even a down payment on a venue next week.
The wedding stuff is already stressful for me. I don’t like making decisions and feel like I constantly have to. Every day eloping just sounds better and better. Except I really, really, really want a party with all my family and his family together. So might as well make that the wedding, right?