Category Archives: Wedding Planning

5 Wedding Traditions and How They Came to Be

So often, in the United States, wedding traditions are carried out with little or no thought as to how or why they came to be. There’s the engagement, the dress, the rings, the kiss, then wedded bliss. the Some of these traditions come from ethnic background, the influence of royalty, and even on old wives tales! Here is a closer look at five wedding traditions and the history that may have caused them to become standard practice.

Old, new, borrowed and blue

This tradition is often carried out today when the mother of the bride provides her daughter an object that meets each of these stipulations. For some it is a blue handkerchief to be carried inside a pocket, for others it may be a piece of jewelry with a blue stone that has been handed down from generation to generation. This interesting tradition actually started because of superstition. To wear old, new, borrowed and blue in the Victorian age was said to bring a lot of good luck to the new bride and help to ward off evil spirits.

Freezer Cake

The tradition of saving the top layer of wedding cake and freezing it for a full year is certainly not based on the fact that freezer cake lathered with an ice encrusted layer of frosting tastes great. In fact most couples that carry out this particular tradition advise other newlyweds just to enjoy the cake now, because it will taste horrible after a year of sitting in the freezer surrounded by meat, fish and an odd assortment of vegetables. Historically, the top layer of cake was saved to use as a christening cake for the baby that was expected to make its appearance within that first year.

Best Man

Historically, a best man was not the person whose friendship and wisdom you valued the most. Instead, it was the man who was best with a sword. One duty of this well trained best man was to protect the groom in the event that he needed to kidnap his bride-to-be from her disapproving parents. The best man was also given the duty of guarding the door of the newlyweds throughout the night in case the bride tried to run away.

White Dress

White has not always been the color most chosen for wedding dresses. Prior to Queen Victoria’s wedding most brides wore yellow, blue, red and even brown to be married in. White was a color that many did not use simply because it got dirty so easily. When Queen Victoria wore a white gown for her wedding in 1840, many took notice. Suddenly the white dress signified a family that was wealthy enough to not care if a dress was ruined by dirt, smoke or dust. Today, many assume that a white wedding dress is worn to represent purity and morality, however, the color was used in the beginning simply as a status symbol.

Rice

Today, wedding guests often shower a departing bride and groom with bubbles or flower petals. Tradition of old dictated that rice, oats, dried corn, and other types of grain be thrown at the departing couple to signify upcoming prosperity on the marriage. The tradition of throwing rice slowed greatly when rumor stated that birds that ate uncooked rice would die.

Some couples plan traditional wedding ceremonies and celebration with no thought to the meaning behind the surrounding events. By looking at the reasons these traditions started, many are able to pick and choose the things that they want to represent with their own modern day celebration.

Peer-to-Peer Loans: The Perfect Funding Solution for Your Wedding

A wedding is much more than a commitment between two people; it is a celebration and the coming together of two families. But more than that, it is a very public declaration of betrothal and love. If you are planning your own wedding, or that of a child, you will already know just how expensive it can be. Once all of the various expenses have been added up, you could be left with a bill you simply can’t afford. However, peer-to-peer borrowing could be the answer to your wedding prayers.

What are Peer-to-Peer Loans?

You probably associate applying for a loan with a lengthy and complex process that involves a major bank. And, until recently, that was the case. But peer-to-peer platforms cut out major financial institutions and bring individual lenders and borrowers together. Savers, or lenders, who are struggling to find a good rate of return from high street savings accounts get to make better use of their capital, and people in search of affordable loans get the funds they need cheaply and with the minimum of fuss. Put simply, this type of loan offers more flexibility for borrowers than standard bank loans and personal finance.

What Can You Use Your Loan For?

Although you may be required to submit a reason for your loan during the application process, exactly what it is spent on will usually be up to you. You can use it to buy a wedding dress, or you can pay for a dream honeymoon. Whatever you need the money for, it can be in your bank account within 48-72 hours of your initial application.

What Are the Advantages of Paying for a Wedding with a Peer-to-Peer Loan?

Your wedding day should be a joyous occasion, but worrying about how to fund it can interfere with your plans unless your finances are in place. If you have a good credit history, and you can prove your ability to keep up with the monthly repayments, you should be able to secure a very competitive interest rate – often lower than those being offered by high street banks.

There is no doubt that your wedding should be an occasion you remember for a lifetime, but it is also important that you get the early stages of your marriage off to the best possible start. You obviously don’t want to start married life saddled with high-interest debt. Most peer-to-peer loans do not impose early repayment fees, which is great if you’re planning to rid yourself of debt as early as you can. You will need to commit to a minimum monthly repayment, but there is absolutely nothing stopping you from making overpayments and clearing your debt more quickly, saving on interest payments in the process.

Whether you are planning a last-minute wedding or you simply underestimated the total cost of your big day, you may need funds in a hurry. It is usually possible to apply for your peer-to-peer loan in a matter of minutes, and the funds could be available for you to spend within three working days of your approval.

It is only natural that you want your wedding day – or that of a relative – to be special, but saddling yourself with credit card debt or loans secured on your property could be a very expensive way of paying for it. Peer-to-peer loans, however, allow you to stay in control of your finances whilst planning a wedding day that will never be forgotten.

10 Creative Ways to Finance Your Wedding

A wedding is one of life’s most precious and memorable moments. But while the day itself is one of joy and new beginnings, paying for the wedding of your dreams can be a tall order. As well as the expense of a dress, the cake, the cars and the flowers, you may also want a lavish honeymoon. And when you factor in all the smaller details of the big day – including favours, suits, food and entertainment – the bill can be substantial. Whether you are planning your own wedding or that of your children, there are 10 very inventive ways of financing a day to remember.

1. Release some equity in your home

The difference between what you owe on your home and its current market value is your equity. Some banks will consider lending you money based on the market valuation, but you will need to secure your home against it. You may just be sitting on enough hidden value in your property to realise your dreams of a lavish wedding.

2. Unsecured loans

While the cost of personal loans is relatively high, they can be useful if you are in need of quick finance to pay for wedding expenses in a hurry, including the hiring of a Church, paying for the wedding cars or putting down a deposit at the reception venue – all of which can be time sensitive.

3. Cash gifts from friends and family

Perhaps the simplest and cheapest way to secure finances for your wedding is through cash gifts. Your friends and family can provide you with up to £3,000 in tax-free gifts, which may be part of a future inheritance or in lieu of a gift on the day. And to make the process easier, there are some innovative online services that make giving cash donations simple and quick.

4. Crowdfunding

It seems that crowdfunding is being used to fund just about anything these days, including lavish weddings. Whether you target friends and family through popular crowdfunding sites or offer invitations to the big day in return for donations, this could be a great way of securing the finance you need without getting yourself into debt.

5. Peer to peer loans

Whether you want your wedding finances in a hurry or you’re looking for a more favourable interest rate than that you have been offered by traditional banks, a peer to peer lender may be able to provide you with a low cost loan for the big day. Unlike most standard personal loans, you have the option of paying down your debt early in order to save on interest, and there are no early redemption penalties to worry about. Some lenders are offering loans of up to £15,000, which could be the difference between making compromises and having the wedding you have always dreamed about.

6. Endorse your chosen suppliers

If you are open to the possibility of companies advertising during your big day, you may be able to secure extra funding or discounts. For instance, allowing your photographer to erect some advertising signage could shave off several hundred pounds from your final bill. Or agreeing to having your wedding filmed by the reception venue for future promotional activity could also bring down the cost.

7. Pay as you go

A lot of people make the mistake of taking out high-interest loans to pay for a wedding, which usually results in the total cost of their big day being significantly increased. However, if you are prepared to take your time looking for bargains, paying for aspects of the wedding in instalments and compromising on certain areas of your big day, paying as you go could make your money go further.

8. Alternative investments

If you are prepared to put up with the increased level of risk that comes with many alternative investments, you could grow your capital significantly in just a few years. Investing in a venture capital trust, diamonds, gold or emerging business opportunities could give you the extra money you need to create a wedding day to remember.

9. Haggle for the best deal

Times are hard for businesses these days, and the increasingly competitive nature of wedding planning may work in your favour. Don’t be afraid to negotiate over price, and threaten to take your business elsewhere when it is appropriate – you might be surprised at just how much suppliers will shave off their original quotes.

10. Get away from it all

A great way to cut costs is to book a wedding abroad on an all-inclusive basis. Not only will this add an exotic dimension to your big day, it will save you the cost of a honeymoon. Your guest list will be smaller, but many tour operators offer will offer subsidised deals on travel and accommodation for friends and family.

Whether you go down the road of wedding loans or innovative investment opportunities, some careful planning and sound financial management will guarantee a wedding day that will never be forgotten.