Cheap Beauty
Posted by Sarah at 5:44 pm in Romantic

You do not have to break the bank trying to look nice. Make-up can become expensive at department stores and hair dyes, accessories, and other products don’t have to come from a salon to be effective.

If you have a blind date coming soon, or a special event sneaking up on you and you just don’t have the right shade of eye shadow to go with your outfit you can always improvise. Most department stores offer make-over’s with no appointment. Slap on your evening outfit, clean your face of any other cosmetics, and head over to your local department store. You can get the full facial, choose your specific colors, and be done in less than fifteen minutes.

Don’t be bias when it comes to generic perfumes. These ‘off-brands’ can equal big savings and usually provide more sprays for your money. The scents are usually close equals and no one will know the difference.

Do not let your old hair stylist scare you out of buying a box of hair coloring. Buying hair dye from a specialty salon will only cost you more. You get a good and equal quality product of hair dye when you purchase a box from a retail store. As long as you follow the directions you are set for the maximum amount of time that most salon hair dye’s offer.

Don’t spend hundreds on a one day spa treatment when you can buy a bath conversion kit for much less. Retail stores offer bath jet’s for spa quality massages in your own bathtub. Most cost less than fifty dollars and come with a warranty.

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Should You Go into Debt to Finance Your Wedding?
Posted by Sarah at 12:31 am in Romantic

Most surveys now estimate that the average wedding costs between $19,000 and $29,000 – which is no small amount of money!  While everyone wants to create the perfect combination of romance and memories on their wedding day, the real issue is deciding what creates these special moments.  Is it the price tag of what you’ve spent at the end of the day, or your friends, family, and your new spouse coming together to help you celebrate a blessed union?

Years ago, it was common tradition for the bride’s family to pay the tab for the big day.  However, those standards have now changed, and many couples are finding themselves scrambling to pay the bill.  If you and your new spouse will be paying for your wedding, it may seem like a great idea to take out a loan or finance the event on credit cards.  However, consider the sad fact that over fifty percent of marriages fail due to financial stress.  In recent studies, over half of married couples have stated that the biggest reason for marital discourse is debt.  So ask yourself, do you really want to start your marriage already in debt?

The larger issue to consider when deciding whether or not to opt for financing is how long it will take you to pay off the debt.  What are your short term plans as a newly married couple?  If you’ve been together for a long time and plan to buy a house or start having children soon, paying off a large wedding loan could cause delays.  Think about all the things you could do with $20,000 dollars in the days after the wedding – do you really want to throw the money away on a one-day event?

Choosing to cut back on your spending doesn’t mean that you can’t have a beautiful wedding service.  Start saving up your money as soon as your engagement begins.  If you have a one year engagement, you could have substantial funds to plan your wedding if you start pinching pennies now.  You might also consider taking the amount you would have to pay back in a loan payment and placing it in savings each month.  Better yet, double the amount, and see if it’s financially feasible to take out a loan at the six month mark.  If at that point you decide it is, then you’ll have the first year’s payments in savings.

For some people, financing a wedding isn’t an issue.  If you’re currently paying for two living spaces, you’re likely anticipating a reduction in your monthly expenses after your wedding, although your income will remain the same.  The monthly payments on a wedding loan may be substantially less than monthly rent or a mortgage payment, so paying off the loan shouldn’t be an issue.  Just make sure you sit down and hammer out a firm wedding budget, and a strict after-wedding payback schedule.  Defaulting on the loan is enough to drive all the newlywed bliss out of your relationship!

Two of the biggest issues you’ll face in marriage are communication and understanding the other person’s opinions.  Planning your wedding budget is the perfect opportunity to get off on a sound financial plan together as husband and wife.  Sit down, crunch the numbers, add in a few what ifs, and see what course is best for you.

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Tips To Save Money. Learn To Be Frugal