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Suzie&Karl
Beginner January 2012

Cutting down wedding guests

Suzie&Karl, 27 July, 2010 at 14:33 Posted on Planning 0 16

I am in a very bad situation - we are in the middle of buying a house (well trying to) and the bank have just declined our mortgage because of the pension contribution we pay, and because of that we're £6000 short, so we need to find the extra £6000 to be able to get that mortgage, or pay £200 a month extra on a different one!

SO i havent spoken 2 the parents about the situation yet, they know about it but are waiting for me to get home from work to talk about it.

My thought at the moment is that maybe i could have some money from the wedding fund, but this is just my idea and need to see if its ok first. But this means we'd have to cut down ALOT.

Can yu think of any way that we can cut down of things dramatically?

We're inviting about 6 cousins, all with a guest/partner, so i thought we could just invite the cousin and not the partner. We hardly see/speak to the cousin so i cant see them being offended.

Please help me Smiley sad

x

16 replies

Latest activity by pinkladyjo, 28 July, 2010 at 16:47
  • Mrs C
    Beginner March 2011
    Mrs C ·
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    If you hardly speak to them, why bother?? You should have the people that you love and care about, not just because they are family x

    Or just invite them to the evening party if you are having one...?

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  • GemmaLouise1986
    Beginner
    GemmaLouise1986 ·
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    We only opted for 35 people in the day because we only want people there we care about.

    Cousins who I only see at weddings etc are only coming to the evening do.

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  • Storky
    Beginner May 2011
    Storky ·
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    To be perfectly honest, cutting people down at that rate isn't going to make much of a difference (unless your wedding is coming in at £1000 per head?!).

    What's your priority - the house or the wedding? In terms of cutting costs, the only way I can see of making a big difference is to make major changes - either from peak to off peak or having a much smaller wedding. Are either of those options to you?

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  • GeordieBarbie
    Beginner May 2010
    GeordieBarbie ·
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    How about only immediate family and close friends for a meal and then just a party in the evening (no food)

    Or, a later wedding and just a buffett for all afterwards.

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  • Suzie&Karl
    Beginner January 2012
    Suzie&Karl ·
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    Thanks Smiley smile

    I would feel a bit awkward about not inviting the actual cousins because some of them will be travelling from down south and i'd feel a bit mean just inviting them to the evening do.

    I will have to talk 2 the parents.

    Oh i dont know what to do. Just seems everything is going wrong Smiley sad

    x

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  • Mrs C
    Beginner March 2011
    Mrs C ·
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    I think you need to prioritise what you want. We desperately want to move house but are having to wait until after the wedding as we can only afford to do one thing at a time.

    Could you postpone either?

    You need to do what is right for the two of you, if that means possibly offending your cousins but getting more cash and the house you want then so be it.

    Hope you figure it out hun x

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  • Suzie&Karl
    Beginner January 2012
    Suzie&Karl ·
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    We have spoken to our financial advisor and it works out that we can put down a 15% deposit which works out cheaper (long story and very confusing but it makes sence to me lol), but sadly all the money me and OH have saved for our honeymoon will be spent. I am absolutly devasted about it, but there isnt much we can do about it.

    Thanks for your suggestions though

    xxx

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  • Daisy82
    Beginner
    Daisy82 ·
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    Awww, That rubbish. Could you use the honeymoon money and save after the wedding and go later in the year. Sorry I'm not much help.

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  • Suzie&Karl
    Beginner January 2012
    Suzie&Karl ·
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    View quoted message

    It would take ages to save up to go on a honeymoon, there would be no way we could save that kind of money once we have the house, we are both on quite low wages and with the mortgage and everything else that comes with it, it leaves us with hardly anything left.

    Just something we'll have to deal with. Maybe something will come up where we will be able to go on one, fingers crossed hey!

    x

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  • Mrs C
    Beginner March 2011
    Mrs C ·
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    Enter every honeymoon competition that you see and have a honeymoon gift list to "help send you on your way" - may not cover all but would be a start?

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  • S
    Beginner
    saz.hepburn ·
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    Could you not have a honeymoon gift list so that your friends/family can help you? or maybe just a lovely weekend away somewhere?

    sorry that you're experiencing this, we bought a house last year and it was incredibly stressful!

    xox

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  • Lynseys Designs
    Beginner
    Lynseys Designs ·
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    I can't offer much in the way of financial advice but if I was in your position buying a house would be my top priority over a wedding so would you consider postponing the wedding? A honeymoon would last all of a few weeks but buying a house is so much better than holiday and a much better start to married life than a quick week away.

    Don't get into debt for the sake of a wedding because if you pay less of a deposit to have the wedding then you'll be paying for that for the next 25 + years. I dont want to sound negative but I've heard of so many people being determined to spend their money on a wedding and then regretting the debt they have to live with.

    If you don't see the cousins then why invite them never mind their partners? I think GB's idea of an intimate wedding with a party afterwards could be a good compromise. x

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  • Suzie&Karl
    Beginner January 2012
    Suzie&Karl ·
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    I definatly won't be getting into debt. We arent actually paying for the wedding so none of that is being spent. Its our honeymoon money that is getting used. I would never get into debt for anything!

    Its hard to explain but i'll try.

    When started looking, we were told we could only get a mortgage for a house forth £120k, based on our 10% deposit and our wages etc etc etc. But the house we wanted was over that, so ended up having an offer accepted on £124k, meaning we had to put £4k cash into it which wasnt ideal but thats what we agreed to do. Now all this has happened, we realised if we put the £4k together with the 10% deposit, we'd be just short of £1600 to have a 15% deposit, which would mean we could put that down and have a wider variery of mortgages, this was advised by our financial advisor, who then last night found us the right mortgage. So the £1600 had to come from somewhere and parents wouldnt let me touch the 'wedding fund' so they Honeymoon fund it was! Using £1600 didn't sound too bad as we maybe could have just saved up a bit of that between now and then and maybe go for a bit less time on a Honeymoon, BUT the fee's that come with this particular mortgage add up to over £1500, which cannot be added to the mortgage. SO thats all of the money gone! I was so upset but things happen for a reason and maybe something will come of it.

    I hope that all made sence, so much easier explaining when writing down then saying it out loud lol

    But i will be trying to cut down on things for the wedding, in the slight hope that Dad might say we can use left over money to go away somewhere.

    xxx

    xxxxx

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  • Little Madam
    Beginner
    Little Madam ·
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    You poor thing. I hope that things get better.

    If it helps I'd agree you made the right decision. You never know what may come out of a gift list idea - it may not get you a 2 week 5* all inclusive in the carribean but it might get you a last min 7 day 4* deal in Europe?

    I really do feel for you. But.. You will have something huge for the future and there could always be a late / second honeymoon idea.

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  • Suzie&Karl
    Beginner January 2012
    Suzie&Karl ·
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    Thanks Kayl

    I agree, we have made the right decison.

    We dont want to have a honeymoon gift list, as we want to do something to the house in the near future so we'd rather have money for that.

    But i think we're just gonna try and save really really hard so see what happens. We were gonna have 12 nights in the Maldives, as January isnt the best time of year for alot of places. But we'll see what happens, you never know what the future holds do you.

    xxxxx

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  • P
    Beginner September 2010
    pinkladyjo ·
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    hi suzie

    both me and my fiance both have big family's and found out just how expensive it would be if we wanted them all there and have a sit down meal. so what we're doing is we're getting married in the afternoon and having a formal buffet. that way we can still have everyone we want there. and two nights before the wedding we taking all of the main bridal party out for a meal. that way we still get the wedding we want but can still afford the house.?

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