Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Real Wedding: Lizzy & Scottie's Family & Friend affair

Photography: Anda Marie Photography

I'm in love with this wedding!! The setting, the details, the adorable bride & groom! Not to mention that the majority of the vendors were family or friends! A bride after my own heart!

Here' s the extensive vendor list:
Location: Lizzy's brother Dan Bertram and his girlfriend's Jacqui Fulcomer farm in Fredonia, WI...Willoway Organic Farm
Barn: Redone by Lizzy's Dad, Bill Bertram, brother Greg Bertram, brother Dan Bertram, Scottie's Dad Dave Brunner, Mother Jill Bertram, Aunt Lynn Tiegs & Scottie himself
Officiant: Andy Hill of Port Washington, WI...old friend of Lizzy's
Rentals: Tables, chairs, and linens from Celebrations Equipment Rental of West Bend, WI
Photographer: Anda Marie Photography of Madison, WI ;)
Flowers: Jacqui Fulcomer, provided by Willoway Farm & some from Scottie's aunt, mother, and sister and others
Food: Scottie's dad's friend for years...Mo & Fuzzy's Catering of Fredonia who do it on the side
Salad: Dan & Jacqui
Cake: Delicately Delicious of Cedarburg, WI
Cupcakes: Pick-n-save
Signs: Home-made by bride & groom...cut from old wood, spray-painted with chalkboard paint and handwritten by bride
Bride's dress: Bought on craigslist from Scottsdale, AZ and tailored from a size 12 to a 2 by Donna of Donna's Draperies in Fredonia
Groom's attire: J. Crew
Bridesmaids: J. Crew
DJ: James Knudson, the Nomad World Pub in Milwaukee
Band: Charlie Collins & friend, from the Nomad World Pub in Milwaukee
Bartenders: local bartenders
Late-night pizza: Provided by Tom Mole owner of Random Lake Pizzeria
Jewelry: Kohl's Department Store


Check out the gorgeous photos below captured by the amazing Anda Marie.



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Honeymoon Basics: Honeymoon on a Budget

No one wants to skimp on their honeymoon. Posh accommodations, intimate meals, and soothing massages rank high on the wish list of virtually every newlywed, but most people don't have an unlimited expense account. No need to take the backpack-and-hostel route -- just focus on these five areas to cut down your costs.

The Planning

A little legwork early in your engagement goes a long way toward balancing your budget.

1. Consider a travel agent
It's easy to find a flight and book a hotel over the Internet, so the idea of working with a travel agent might seem antiquated. While it's not for everyone, Tim Leffel, author of Make Your Travel Dollars Worth a Fortune, observes that a travel agent can save money for those who don't have a specific destination in mind. "If you just want to go to a nice Caribbean island and stay in a hotel on the beach, agents can often find deals that you might not run across yourself." So if your heart's set on the Four Seasons in Nevis, use the Web. If you're open to any number of islands and resorts, see what a travel agent has to offer.

2. Use frequent flier miles
If you've charged wedding expenses, your honeymoon is the perfect time to cash in all the bonus points you racked up on your credit card. Free airfare is great, of course, and even if you don't have enough miles for that, you can still go for an upgrade from coach to first class, allowing you to begin and end your honeymoon in style.

3. Start a honeymoon registry
As a traditional part of attending your wedding, guests will give you gifts, and the majority of them will shop straight from your wedding registry. If you have ample linens and china's just not your style, set up a honeymoon registry and have guests pay for part (or even all) of your trip in lieu of traditional gifts. Sites like thebigday.com or honeymoonwishes.com offer registries for a small percentage of the total gift. You can also register at resorts like Marriott or Disney.

The Destination

An open mind while picking a honeymoon spot gives you a better chance to find a good deal.

4. Take advantage of shoulder seasons
Every destination has a high and low season -- during the high season there are crowds and high prices, while the low season is cheaper (usually because the weather is lousy). Shoulder seasons, however, are right on the cusp of high and low, so the prices are more reasonable because there's far less demand and the weather is still appealing. Shoulder season for the Caribbean starts right after spring break. "Mid-April to mid-June is a fantastic time to hit the Caribbean," Leffel says. (Should you prefer Europe, look into the late spring and early fall.)

5. Go where the dollar hasn't deflated
The poor currency exchange can sabotage your budget. The dollar has become increasingly puny compared to the euro, so seek a destination where your money still has some worth. Leffel recommends heading anywhere in Spanish-speaking Latin America -- from Mexico down to Chile -- or check out our sidebar for the best budget honeymoons.

6. Consider an all-inclusive
One of the best reasons to honeymoon at an all-inclusive resort is that you have a clear estimate of how much your trip will cost and budget accordingly. Find out exactly what you're paying for and factor in a couple of meals at restaurants outside the resort, day trips, or other excursions that might not be included. Then you'll have a solid idea of how much you'll spend.

The Transportation

Getting from point A to point B can be the bulk of your bill, but there are easy ways to save.

7. Fly off-peak
Flights are less expensive on certain days of the week. If you're traveling domestic, fly on a Sunday to avoid business travelers. If you're going abroad, find a better deal by leaving on a Monday or Tuesday.

8. Ask if airport pickup is included
When you book a hotel, try to score a ride from the airport (some hotels offer complimentary transportation). If a taxi is your only option, hail a cab in an area of the airport designated for transportation rather than riding with some guy who sidles up at baggage claim and offers a lift.

9. Use mass transit
Unless you're renting a car, use mass transit as much as possible. Cab rides, while convenient, inevitably wreak havoc on your budget. Before you travel, familiarize yourself with your honeymoon spot's main modes of transportation, be it metro, tram, or bus. Saving money isn't the only benefit of mass transit -- in congested cities, the metro is very often the quickest way across town.

The Hotel

A dismal room can ruin a trip, but saving money doesn't have to mean staying in a dump.

10. Get a room with no view
Check any hotel's website and you'll find a range of room rates. A room's size and view are two factors that hike up the price. Cut your accommodation's cost by booking a room looking upon a slightly less attractive landscape. When you spend most of your time on the beach, you'll hardly notice whether your room has a view of the ocean or a garden, and the savings can be significant.

11. Investigate packages
If a hotel offers a "honeymoon package," Leffel advises taking a close look to see if it's really a money-saving deal. If the offer is six nights for the price of five, that's worthwhile. If the package brings an evening rose petal turndown service plus champagne for an added $200, it's cheaper to forgo the extras and book at the normal room rate.

12. Mention you're newlyweds
You can often leverage the fact you're on your honeymoon for special (and free) treatment. While there are no hard rules for the practice -- or guarantees the hotel will do anything -- it's worth telling the receptionist you'll be spending your first days of married life with them. We've heard of couples getting complimentary room upgrades. It's also worth dropping the h-word when you're at airport check-in, and any bartender's bound to offer a round on the house.

The Food

An extraordinary honeymoon requires great food and drink, but the costs of eating out add up. Learn how to maximize your meal money.

13. Stray from the hotel
A hotel's restaurant is definitely hassle-free dining, but that convenience often comes with a marked-up price. Consult a guide book for some other options.

14. Talk to locals
With some insider info, you'll find an unassuming fish stand in a Caribbean market or a hole-in-the-wall bistro on a European side street that serves the best meal of your entire trip. Ask the local baker, butcher, or fishmonger for their pick for the best bite in town -- chances are that it will be reasonably priced and utterly delicious.

15. Prepare a few meals
Making your own lunch doesn't have to lack romance. Go to the grocery store and stock up on sandwich ingredients, fruit, and other picnic goods. Trek to a secluded spot and enjoy a private lunch. You'll save money without missing out on the fond memories every honeymooner deserves.

-- Miles Stiverson (The Knot)

Honeymoon Basics: Honeymoon on a Budget

No one wants to skimp on their honeymoon. Posh accommodations, intimate meals, and soothing massages rank high on the wish list of virtually every newlywed, but most people don't have an unlimited expense account. No need to take the backpack-and-hostel route -- just focus on these five areas to cut down your costs.

The Planning

A little legwork early in your engagement goes a long way toward balancing your budget.

1. Consider a travel agent
It's easy to find a flight and book a hotel over the Internet, so the idea of working with a travel agent might seem antiquated. While it's not for everyone, Tim Leffel, author of Make Your Travel Dollars Worth a Fortune, observes that a travel agent can save money for those who don't have a specific destination in mind. "If you just want to go to a nice Caribbean island and stay in a hotel on the beach, agents can often find deals that you might not run across yourself." So if your heart's set on the Four Seasons in Nevis, use the Web. If you're open to any number of islands and resorts, see what a travel agent has to offer.

2. Use frequent flier miles
If you've charged wedding expenses, your honeymoon is the perfect time to cash in all the bonus points you racked up on your credit card. Free airfare is great, of course, and even if you don't have enough miles for that, you can still go for an upgrade from coach to first class, allowing you to begin and end your honeymoon in style.

3. Start a honeymoon registry
As a traditional part of attending your wedding, guests will give you gifts, and the majority of them will shop straight from your wedding registry. If you have ample linens and china's just not your style, set up a honeymoon registry and have guests pay for part (or even all) of your trip in lieu of traditional gifts. Sites like thebigday.com or honeymoonwishes.com offer registries for a small percentage of the total gift. You can also register at resorts like Marriott or Disney.

The Destination

An open mind while picking a honeymoon spot gives you a better chance to find a good deal.

4. Take advantage of shoulder seasons
Every destination has a high and low season -- during the high season there are crowds and high prices, while the low season is cheaper (usually because the weather is lousy). Shoulder seasons, however, are right on the cusp of high and low, so the prices are more reasonable because there's far less demand and the weather is still appealing. Shoulder season for the Caribbean starts right after spring break. "Mid-April to mid-June is a fantastic time to hit the Caribbean," Leffel says. (Should you prefer Europe, look into the late spring and early fall.)

5. Go where the dollar hasn't deflated
The poor currency exchange can sabotage your budget. The dollar has become increasingly puny compared to the euro, so seek a destination where your money still has some worth. Leffel recommends heading anywhere in Spanish-speaking Latin America -- from Mexico down to Chile -- or check out our sidebar for the best budget honeymoons.

6. Consider an all-inclusive
One of the best reasons to honeymoon at an all-inclusive resort is that you have a clear estimate of how much your trip will cost and budget accordingly. Find out exactly what you're paying for and factor in a couple of meals at restaurants outside the resort, day trips, or other excursions that might not be included. Then you'll have a solid idea of how much you'll spend.

The Transportation

Getting from point A to point B can be the bulk of your bill, but there are easy ways to save.

7. Fly off-peak
Flights are less expensive on certain days of the week. If you're traveling domestic, fly on a Sunday to avoid business travelers. If you're going abroad, find a better deal by leaving on a Monday or Tuesday.

8. Ask if airport pickup is included
When you book a hotel, try to score a ride from the airport (some hotels offer complimentary transportation). If a taxi is your only option, hail a cab in an area of the airport designated for transportation rather than riding with some guy who sidles up at baggage claim and offers a lift.

9. Use mass transit
Unless you're renting a car, use mass transit as much as possible. Cab rides, while convenient, inevitably wreak havoc on your budget. Before you travel, familiarize yourself with your honeymoon spot's main modes of transportation, be it metro, tram, or bus. Saving money isn't the only benefit of mass transit -- in congested cities, the metro is very often the quickest way across town.

The Hotel

A dismal room can ruin a trip, but saving money doesn't have to mean staying in a dump.

10. Get a room with no view
Check any hotel's website and you'll find a range of room rates. A room's size and view are two factors that hike up the price. Cut your accommodation's cost by booking a room looking upon a slightly less attractive landscape. When you spend most of your time on the beach, you'll hardly notice whether your room has a view of the ocean or a garden, and the savings can be significant.

11. Investigate packages
If a hotel offers a "honeymoon package," Leffel advises taking a close look to see if it's really a money-saving deal. If the offer is six nights for the price of five, that's worthwhile. If the package brings an evening rose petal turndown service plus champagne for an added $200, it's cheaper to forgo the extras and book at the normal room rate.

12. Mention you're newlyweds
You can often leverage the fact you're on your honeymoon for special (and free) treatment. While there are no hard rules for the practice -- or guarantees the hotel will do anything -- it's worth telling the receptionist you'll be spending your first days of married life with them. We've heard of couples getting complimentary room upgrades. It's also worth dropping the h-word when you're at airport check-in, and any bartender's bound to offer a round on the house.

The Food

An extraordinary honeymoon requires great food and drink, but the costs of eating out add up. Learn how to maximize your meal money.

13. Stray from the hotel
A hotel's restaurant is definitely hassle-free dining, but that convenience often comes with a marked-up price. Consult a guide book for some other options.

14. Talk to locals
With some insider info, you'll find an unassuming fish stand in a Caribbean market or a hole-in-the-wall bistro on a European side street that serves the best meal of your entire trip. Ask the local baker, butcher, or fishmonger for their pick for the best bite in town -- chances are that it will be reasonably priced and utterly delicious.

15. Prepare a few meals
Making your own lunch doesn't have to lack romance. Go to the grocery store and stock up on sandwich ingredients, fruit, and other picnic goods. Trek to a secluded spot and enjoy a private lunch. You'll save money without missing out on the fond memories every honeymooner deserves.

-- Miles Stiverson (The Knot)

Budget: Dave Ramsey's Envelope System

Dave Ramsey's Envelope System

On a budget? Still over-spending? Trying to figure out the best way to organize your finances and spend wisely?

Get on a Simple System

I found out that Grandma's way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today's card swiping culture. The envelope system is a key component of the Total Money Makeover Plan because it works. Here are a few simple basics for starting a cash envelope system:
  1. Budget each paycheck. Budget is a dirty word to most people, but you must budget down to the last dime if you're going to successfully implement the envelope system.

  2. Divide and conquer. Of course, there will be budget items that you cannot include in your envelope system, like bills paid by check or automatic withdraw. However, you can create categories like food, gas, clothing and entertainment.

  3. Fill 'er Up. After you've categorized your cash expenses, fill each envelope with the money allotted for it in your budget. For example, if you allow $100 for clothing, put $100 in cash in your clothing envelope for the month.

  4. When it's gone, it's gone. Once you've spent all the money in a given envelope, you're done spending for that category. If you go on a shopping spree and spend the $100 in your clothing envelope, you can't spend any more on clothes until you budget for that category again. That means no visits to the ATM to withdraw more money!

  5. Don't be tempted. While debit cards can't get you directly into debt, if used carelessly, they can cause you to over-spend. There's something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you'll be less likely to over-spend or buy on impulse.

  6. Give it time. It will take a few months to perfect your envelope system. Don’t give up after a month or two if it's not clicking. You'll get the hang of it and see how beneficial the envelope system is as you dump debt, build wealth, and achieve financial peace! See....simple!

Certainly, some bills may come in at different times of the month, so you'll need to adjust your written game plan to take it one step further. You need to plan the budget based upon your pay periods.

Say that you get paid twice a month. If you can write down which bills you plan on paying from each paycheck, you will not be left with a surprise bill. Spend each month's income and each individual paycheck on paper BEFORE it comes in.

Have Some Fun

I also have no problem with you adding an envelope with money just to have fun with! As long as you and your spouse have agreed on it, you are fine. There should be no lying. Agree on your budget, agree on your fun money, and be open. Fun money can be anything you want it to be. There are no rules on that envelope, unlike money in the "entertainment" envelope that is used specifically for entertainment.
{SOURCE}

Budget: Dave Ramsey's Envelope System

Dave Ramsey's Envelope System

On a budget? Still over-spending? Trying to figure out the best way to organize your finances and spend wisely?

Get on a Simple System

I found out that Grandma's way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today's card swiping culture. The envelope system is a key component of the Total Money Makeover Plan because it works. Here are a few simple basics for starting a cash envelope system:
  1. Budget each paycheck. Budget is a dirty word to most people, but you must budget down to the last dime if you're going to successfully implement the envelope system.

  2. Divide and conquer. Of course, there will be budget items that you cannot include in your envelope system, like bills paid by check or automatic withdraw. However, you can create categories like food, gas, clothing and entertainment.

  3. Fill 'er Up. After you've categorized your cash expenses, fill each envelope with the money allotted for it in your budget. For example, if you allow $100 for clothing, put $100 in cash in your clothing envelope for the month.

  4. When it's gone, it's gone. Once you've spent all the money in a given envelope, you're done spending for that category. If you go on a shopping spree and spend the $100 in your clothing envelope, you can't spend any more on clothes until you budget for that category again. That means no visits to the ATM to withdraw more money!

  5. Don't be tempted. While debit cards can't get you directly into debt, if used carelessly, they can cause you to over-spend. There's something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you'll be less likely to over-spend or buy on impulse.

  6. Give it time. It will take a few months to perfect your envelope system. Don’t give up after a month or two if it's not clicking. You'll get the hang of it and see how beneficial the envelope system is as you dump debt, build wealth, and achieve financial peace! See....simple!

Certainly, some bills may come in at different times of the month, so you'll need to adjust your written game plan to take it one step further. You need to plan the budget based upon your pay periods.

Say that you get paid twice a month. If you can write down which bills you plan on paying from each paycheck, you will not be left with a surprise bill. Spend each month's income and each individual paycheck on paper BEFORE it comes in.

Have Some Fun

I also have no problem with you adding an envelope with money just to have fun with! As long as you and your spouse have agreed on it, you are fine. There should be no lying. Agree on your budget, agree on your fun money, and be open. Fun money can be anything you want it to be. There are no rules on that envelope, unlike money in the "entertainment" envelope that is used specifically for entertainment.
{SOURCE}

Budget Friendly DIY: Carnation Bouquet

I love this carnation bouquet! It's budget friendly, a great DIY project, & stunning! Here are some awesome directions from RealSimple.com



Carnations
As Charlotte from Sex and the City once said, “Carnations are ‘filler flowers.’” But they don’t deserve the stigma; two simple yet elegant bouquets were made utilizing a few shades of pink carnations and a bundle of affordable baby’s breath. And, let’s remember, pink carnations were Carrie Bradshaw’s favorite.



How To: Varying hues from fuchsia to pale blush pink are clustered together, then tied with floral stem wire (about $1.50 for 110 feet) to hold them in place.



Ta-Da! The final step: Tuck a matching silk ribbon around the base of the blooms to disguise the wire and pull the look (and your color scheme) together.

Budget Friendly DIY: Carnation Bouquet

I love this carnation bouquet! It's budget friendly, a great DIY project, & stunning! Here are some awesome directions from RealSimple.com



Carnations
As Charlotte from Sex and the City once said, “Carnations are ‘filler flowers.’” But they don’t deserve the stigma; two simple yet elegant bouquets were made utilizing a few shades of pink carnations and a bundle of affordable baby’s breath. And, let’s remember, pink carnations were Carrie Bradshaw’s favorite.



How To: Varying hues from fuchsia to pale blush pink are clustered together, then tied with floral stem wire (about $1.50 for 110 feet) to hold them in place.



Ta-Da! The final step: Tuck a matching silk ribbon around the base of the blooms to disguise the wire and pull the look (and your color scheme) together.