As the first snow hits us in New England I am thinking of the worse-case scenario for my late April wedding: snow. What will we do if there is a snowstorm? The contract lists nothing about it, so if I had to make a decision it would be press on with the event indoors (that's why we got a venue with indoor/outdoor options). Either way we will make it work.
Granted, the wedding will be in late April, but it's also New England so I can't really say one way or another what kind of day it will be. Either way I hope you are staying nice and warm, under lots of blankets and have a Happy New Year!
Last Winter was pretty rough, but remember the ice storm of 2008? Let's hope that doesn't happen again this Winter.
Thankfully the engagement ring was free (a family heirloom seen to the right). As for the wedding bands, those will have to be brand new, and the research began about a month ago.
I went to the Jewlery Exchange in Sudbury and had an amazing experience. Was looking to a 14K 2mm yellow gold band, they had it, for under $100! It gets even better, because I was able to take it home the very same day. Amazing. Before going to big box stores I highly recommend checking out a wholesale retailer who cuts out the middle-man (and therefore the cost of a middle-man). Their selection was wide, but not what Cameron had in mind for his own band, so we are halfway done with this project. I personally think ring prices will go down after Christmas and New Years (but then there is Valentine's day, so my assumption may be very off).
As long as you avoid the timeframe of Black Friday until Valentine's Day you'll avoid the fake discounts from prices being marked up due to demand. I would shop in March if it wasn't so close to the wedding date.
There is one rule to personal finance that will always be true if you want to save for the future: spend less than you earn. As long as you do, debt will not be an issue. Now there are things that are ok to go into debt for, like school (and having school loans) or a car (to transport you to the job where you'll acquire money to pay off a loan) but beyond those core categories there is no reason to go bankrupt for some new product you already have that works fine, or other non-urgent purchases.
Some people say the present is all we have, so don't think about tomorrow. Like it or not tomorrow will come, and there will be a time when getting a job may not even be possible (yay disabilities and agism) and you will be thankful to have a reserve of emergency funds to tap into. I know I was when I got into a car accident two months ago and paid the full deductible with cash. There is a peace of mind knowing you have a cushion before you fall on the metaphorical concrete and break the bank.
Spend less than you earn and build an emergency fund. Those two tasks will make a world of a difference, lifting off the weight debt can place on your life.
Spend less than you earn by hiding the money by putting it somewhere else – a piggybank or savings account will do.