A year and 8 months away!!!

Hello blogger world!! I sometimes forget that I even have a blog!!! And I just can’t seem to come up with anything to blog about these days. I’m too busy doing school work to think about anything else!!! Yesterday I went and filled out paperwork for my new job! My orientation is next week and I can’t wait!!

Let’s talk wedding plans…I don’t do that much. I’m not planning at the moment because I’m too busy doing school work, but I have been thinking about the budget recently. I’m starting to think that it is going to be impossible to save the amount of money we need! I have a sheet that lists all of the things we need for the wedding and the estimates of what each thing is going to cost. I have the estimates for most things but there are a few things I don’t know how to estimate what they will cost. Without those minor things, we’re at about $16,500!!! That is a lot!!! We already booked the venue for the ceremony and reception and the photography. For everything else, we are going to go as cheap as we can!!! My fiance and I were talking about it last night and he said something about getting a loan to pay for stuff. I don’t want to be paying off my wedding for years after it!! So I’m going to do everything I can to save as much as I can!!

So to do that, I have to come up with a plan. First I am going to have to make up a budget for myself. Starting on Sept. 18th, I started keeping track of my necessary purchases throughout the month including gas, car insurance, and my cell phone. Then, when I start my new job, I’m going to keep track of what I make in a month and then I’ll be able to get a better idea of just exactly how much I can save for the wedding each month. I can’t believe that we have about 1 year and 8 months till the wedding!!!! A few months ago it sounded like it was so far away and we had so much time to save, but now it’s getting closer and closer!!!!

What tips do you have to help save for a wedding? I could use any tips you have, so please leave me a comment! Thanks and have a great Tuesday everyone!!!

Dumb money saving tips

So I found an article on Yahoo titled “6 Dumb Money ‘Saving’ Mistakes”. It talks about 6 things that people do to try to save money, but these 6 things don’t actually save you that much.

The first one is falling for free. The promotions that are absolutely free are alright, but it’s the ones that are buy-one-get-one-free or “free shipping with a $150 purchase”, that aren’t really worth it because we spend more money in the end. Dan Ariely wrote in his book Predictably Irrational that when something is free, it suggests to the consumer that there is no downside. This isn’t always the case because if the deal is buy 2 get one free, you are spending extra money if you didn’t plan on buying the first two items.

The next one is overdosing at the Dollar Store. Yes you can find some great things at the Dollar Store, but not everything is worth it. According to Consumer Reports, some items can actually be dangerous. Some of these items are extension cords, lamps, and other items that might have make UL labels that certify their safety. Also, over-the-counter medicine such as aspirin may be on the shelves past their expiration date.

Buying in bulk is next on the list. Sure it can save you money with some things, but it’s a waste of money when you get too much that you can’t use it before the expiration date and it goes bad. I think that the best things to get at places like Sam’s Club or Costco is anything that has a long expiration date.

Next is excessive couponing. I’m sure almost everyone has heard of TLC’s new show Extreme Couponing. The second season started at the beginning of April which surprises me because I’ve never heard of the show before. The people on that show are crazy. I’ve read that they buy tons of stuff like housecleaning supplies, dry goods, toothbrushes, toothpaste, dental floss, and more, in bulk just because they have coupons for it. I like coupons, but I don’t see why you would need to fill your whole house with a million things of laundry detergent just because it was really cheap.

Fast-food dining doesn’t save you money? I would have never guessed that!! (Sarcasm..in case you can’t tell) Sure the dollar menus may satisfy your hunger for less today, but if you do it often it can carry a bigger price tag. Most items that are on value menus are high in saturated fat, sodium, and cholesterol. They are also linked to an increased risk of cancer.

The last one on the list is making repairs yourself. For services that take up a lot of your time or require a lot of expertise, it is just cheaper to pay a professional to do it. Some examples are re-flooring or re-carpeting your house, changing your car’s oil, and estate planning.

Be sure to check out the blog hop I’m hosting for the very first time and the other hops that I found from other bloggers. Have a great Tuesday everyone!!

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