Budgeting

Tax write offs for Sellers

last minute taxing filing tips

Happy end of tax season, everyone! We get it, you’re probably just about ready to wave goodbye to anything related to taxes. While this is fine for most Americans out there, quite a few should wait before they forget about taxes. People who are planning on selling their homes in the next several months, or have just recently sold their homes, should start preparing their tax plans now since there are several write offs in place that can save them quite a lot of money if they go about the process properly. For those who are planning on selling your homes soon, follow these tax tips so that you can maximize your 2019 return.

Understand exclusions

There is a major tax exclusion in place that benefits just about anyone who sells a house with only a few caveats. The first is that you must have lived in the house for two or more years within five years before you sell it. Second, you can’t have used this same exclusion on another property you sold within the past two years. Easy enough, right? Now here’s the exclusion.

Sellers don’t have to pay taxes on the first $250,000 of the sale if they’re filing as single, and don’t have to pay taxes on the first $500,000 of the sale if they file jointly. This is a fairly major tax break given the fact that the median cost of a home in the United States lies at around $200,000.

What if you don’t meet the requirements?

Luckily, the exclusion isn’t all-or-nothing in the regard that if you lived in the house for under two years, you may still be eligible for a portion of it. If you have a legitimate reason for why you had to sell the home so quickly, like job loss, deployment, or illness, then you may only have to pay taxes proportionate to how long you’ve lived there. For instance, if you’ve lived there for a year, and you’re filing as single, then you’d have to pay taxes on anything over $125,000 (half of $250,000), since one year is half of two years.

 

Other write offs to look out for

In addition to this exclusion, which is already pretty substantial, there are several tax write offs for sellers that can work in your favor!

 

  • Real estate agent commission: Real estate agents make money off of the commision from the sale, which you can normally write off when filing!
  • Closing costs: If you hired a titling company to assist with the closing, the associated costs count as a write-off.
  • Advertising: If you paid money to advertise that your home was on the market, you can write those expenses off!

 

In the rare case that you decided to go the seller financing route, or directly lending to the person who is purchasing your house, you may be eligible for several more tax benefits, so be sure to consult with a financial advisor if you go this route.

Finance Wand exists to help you understand finances and benefit from this knowledge! Whether you’re selling your home or not, we suggest you stay on top off all things tax related. It’ll only help you in the long run.


Budgeting Myths You Keep Falling For

As it pertains to personal finance, you can find few themes as polarizing as budgeting. Many people swear by the exercise of maintaining a budget each and on a monthly basis, while others virtually convulse at the reference to the word. With innumerable opinions as well as budgeting myths floating around, it’s no surprise that folks so strongly disagree in regards to the topic!

The issue is that mindless acceptance of a variety of these common budgeting myths could be the death knell for the finances. You’re reading this information, so what’s promising if you’re motivated to succeed with money. And with the appropriate strategies and behavior modification, practically everyone can win with money! Keep reading as we dispel most frequent in addition to harmful budgeting myths floating around the net!

Budgeting Myths

· You Don’t Have The Time and Energy To Budget

Most individuals have numerous daily habits which can be much less significant than they become conscious. People spend time constantly, and a bit of self-reflection and honesty will assist you to decipher what matters as well as what doesn’t. Creating a budget ought to be an absolute priority. No one really wants to deposit a paycheck only to understand their savings account is definitely the exact same as it is last time the check is deposited.

Think about observing your daily routine and examining what could possibly be optimized for better spending. In the event that you head to the gym every single day, perhaps you might save on gas along with membership fees in the long run by purchasing exercise equipment plus putting it in your basement. Similarly, if you eat out every day at lunch, have a few extra minutes to merely pack your lunch instead.

· Budgeting Is Tricky

Likewise, lots of people accept the laziest budgeting myth of all of them that making a budget is complicated as well as difficult. The fact remains that when you have a grasp of basic arithmetic and a readiness to invest the amount of time in organizing your finances, it’s incredibly easy to make a budget.

· Budgeting Is Tedious

You’d be astonished at how many individuals don’t create a budget on a monthly basis because they believe it’s boring. Do you know what else is dreary? The credit card statements. Plus collector calls. And bankruptcy court, in fact, every one of that’s pretty awful. If you’re a free spirit in regards to budgeting, stop and take a breath. You certainly can do this!

Once you obtain the hang of it, creating a budget isn’t bad by any means. And as time passes, you could even find it a little fun. Suppose that! Acquire your spreadsheet-loving, planner of a spouse or buddy to simply help provide you that extra push. Budgeting is really a key to helping you get free from debt. And being debt-free? Now that’s enjoyable.

· A Budget Will Feel Preventive

As a matter of fact. Unless we’re referring to the most recent tight pants trend, a lot of people hate feeling restricted in virtually any way. Being told what direction to go ranks likewise in fame to root canals and trips to the DMV. But people who buy into this budgeting myth own it backward. A budget authorizes you by helping you realize that which you can and cannot afford to invest along with may also stop you from finding yourself in financial binds in the first place.

· Student Loans Can’t Be Optimized

With costs of higher education on a relatively endless upswing, financing the debt is usually something folks want to prevent thinking about. Though, only a little mindfulness regarding your loans can go a long way. Several services could possibly offer numerous unbiased options for diverse credit cards that could help to make student loan payments a breeze. Locate the best credit card that could take in cash back, low interest, or rewards for good grades. More on this click how to refinance your student loans?


· It’s Not The Best Time For Me

Could it be ever likely to be the best as well as most optimal time? Not actually. Something will constantly come up. That’s life. Have you been postponing starting a budget simply because you have a birthday or anniversary coming up? Don’t allow that be your excuse! If anything, you will need a budget now significantly more than ever. A budget can help you work out how much you intend to invest in the gifts and festivities. Of course, each month will look different, however here’s the best thing: You realize the date of these holidays, birthdays in addition to anniversaries. They do not ever change!

Put them in your allowance months ahead of time so you can begin saving.
If looking at the long run with a bit of wise practice still isn’t enough, perhaps all that’s necessary is just a “miscellaneous” category within your monthly budget. In this manner, an urgent financial setback is nearly impossible. Making a budget might not sound thrilling; on the contrary, it will lay the groundwork for more exhilarating things.


Get More Customers with Free Stuff

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How would you like to get more customers? Dumb question, right? Who doesn’t want more customers. When it comes to people, no one can resist getting something for nothing. If you are looking for a way to get more customers, than now is the time to start giving away stuff for free. People love free stuff and will usually go wild over it. Why give away free items? Isn’t that a good way to go out of business? On the contrary, by giving your items away from free you are actually gaining customers. According to an article, giving away free services and products has been a great business tactic for quite some time. Think about the last item that you got for free. Was it a free water bottle when you purchase three boxes of cereal? How about a free CD or trading card when you send in a self-addressed stamped envelope? The fact is, freebies get people’s attention. When you got someone’s attention, you can control what they do. According to another article, there is no better way to gain customer locality than with giving your product and services away. So, how does this giving away free items for free work? The idea is really simple. Your one and only goal should be to get that service or product in the potential customers hands. How can you easily get items and services in people’s hands? Simple, by giving it away for free. What typically happens when people get something for nothing is they brag about it. This bragging is called free advertisement for you. Some additional things that happen when people get something for free include: they feel obligate to buy again, they wind up paying for it later, they think that getting more is a discount, they buy more when there is some mystery element to it, and they will talk more when they get free stuff.

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Why Are Paper Checks Still Favored for B2B Transactions?

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Individuals have long moved away from paper checks thanks to the convenience of digital banking services such as payment wallets and net banking. For average consumers even swiping plastic bank cards seem old school as more and more customers are seen using service such as Apple Pay at checkout counters. When it comes to B2C transactions there are enough reason why the paper check is all but obsolete. Then why do businesses still use checks to pay other businesses? Believe it or not, paper checks are more convenient for businesses. Most business enterprises make hundreds of payments each month and for them, point-to-point systems designed for individuals simply don’t make sense. It’s much easier for them to print checks in bulk and mail them to their vendors and utility companies. If you are wondering why businesses still have their checkbooks around, following are 3 reasons.

It’s More Convenient Than Cash and Credit Card:

While credit cards are great for average customers, they don’t do much for business enterprises. Businesses that need to pay other businesses don’t really get the option to swipe their cards. For using credit cards businesses owners and executives need to physically swipe them on credit card terminals to complete the transaction. The same goes for cash payments. To be able to make payments, business owners need to physically hand out cash bills. This forces them to go to the bank or ATM to withdraw the money and then deliver them in person. Paper checks, on the other hand, are issued by authorized accountants and executives. Unlike cash or credit card, paper checks can be delivered by others without the risk of misuse. They are not only printed in bulk to save time but they are also sent via mail. It takes mere minutes to print a check, seal it inside a window envelope, and get it ready for the mail guy.

Paying Contractors Who Have No Bank Accounts:

A lot of small businesses need to make payments to contractors who don’t have bank accounts. Before checks came along these transactions were done in cash. The reason cash became obsolete is because paper check allowed business owners to maintain a paper trail. Even when making quick payments to people who have accounts, paper checks are the way to go. It’s much easier to whip out the checkbook and write a check than to register the banking details and send out the money using payment wallets and net banking services.



Compatibility with Accounting Software Packages:

One of the major operational challenges of every business is to track the expenses. Most businesses buy high-quality quick books check and print them using the Quickbooks accounting software. This does two things. Firstly, the printing operation is much faster as the accounting software stores the digital copy of the signature and recipient details. The software also stores the invoices received from vendors. Accountants can seamlessly print checks to clear received invoices while keeping a record of the payments made. Now, because most accounting software packages for businesses are compatible with paper checks and not with online transfers and other payment methods, businesses using them have no option but to use business checks to pay for goods and services.

 


Why These Dangerous Jobs Are Worth The Money

Have you ever thought of yourself as different? Well, most people like to think they’re unique but some are just wired totally different from the rest of us. There’s something inside them that yearns for a challenge most others would call a step too far. Individuals that almost like to play with fire a little bit and risk their own lives for an invigorating feeling of being alive on the job are rare specialties. Maybe you could call them more nonchalant in how they regard their own safety and worth, but they would tell you they need something that gives them a thrill to feel alive. Thankfully for the rest of us mere mortals, these types of people are the lifeblood that greases the wheels of global economies. Quite literally, these types of people are and so willing to give their lives while on the job. A normal end to the day for most people would be to punch out and try not to get frustrated sitting in traffic on the way home. For those with dangerous but rewarding jobs, it’s a reluctant see you later to their colleagues and role at work; until the next day.

oil rig

Source Agencia Brasil

Oil rig worker

Yes in this day and age where technology can manufacture gigantic drills that weigh many tons and have their tips covered in diamond, oil rig workers are still very much needed. These men do all the dirty and intricate jobs machine cannot do. For example who else is going to look after and maintain the equipment? The rigs are offshore meaning the only way to them is by air transport. A helicopter is the choice vehicle to drop off and pick up oil rig workers that work mainly on tours that last several months each. They are in charge of the daily output of oil each day. Drilling far beneath the waves, the drills must be used in a precise fashion, so oil extraction is not only efficient but safe. It’s very common for workplace injuries both minor and nasty to be a part of the yearly cycle on the rigs. Puncture wounds, slashes and gashes, crushed limbs and broken bones are suffered by many workers around the world. However if you can brave the open sea conditions, love the comradery with your fellow riggers and get used to the physically demanding work, you’ll be paid a handsome sum of $100,000 a year. Many companies ensure they provide the healthcare for their workers too.

police sergeant

Photo source Dave Conner

Police sergeant

A police sergeant isn’t like his fellow officers. He or she is the one calling the shots on the ground. They play the role of a supervisor but don’t let that title fool you; they’re really hands-on. Police sergeants are in charge of teams of officers that are either consigned to a task force or in charge of patrolling a beat. They first must achieve a certified police degree which teaches them the skills of asset protection, security risk assessment, the ability to investigate and handle home and business property intrusions and be adept in sophisticated human intelligence gathering. The average salary is around $70-80,000 a year with the additional option of working toward a promotion to police chief where they head over six-figures such as $110,000.


Ripple vs Bitcoin – Which One Should You Invest In?

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While Bitcoin, launched in 2009,was the world’s first cryptocurrency, many other altcoins have since been developed with a range of different purposes in mind, including Ripple, now among the 3 most traded digital currencies.

Cryptocurrencies brokers worldwide offer the growing global trading community a huge range of coins to invest in. Cryptos trading platform Trade360 is one of the most popular of these platforms for traders who want to take advantage of the rapid price changes of leading altcoins. But many traders are currently unsure about which coin represents the best investment: Rippleor Bitcoin.

Extremely volatile at the best of times, this year the cryptocurrency market has taken big hit, duea series of pivotal events that have strongly negatively affected the overalltrading environment.

First, Facebook and Google announced at the beginning of the year that they would ban all cryptocurrency adverts on their platforms.As a result, you can no longer find ads for ICOs, wallets, or trading advice, because the tech giants believe that in an unregulated market, too many unscrupulous operators have been able to take advantage of novice investors.

Also in January, Coincheck, the leading cryptocurrency exchange, was hackedin one of the biggest heists in history, resulting in the theft ofaroundUSD 500 million in digital tokens. Many crypto experts had warned about this vulnerability, advising traders not to keep their coins on exchanges, but in hardware wallets.

Reports of further regulation of cryptocurrency trading,especially in hubs such as the Far East, are also affecting the market. Nevertheless, many analysts consider the fundamentals of the major coins to be strong and are continuing to rate them as sound long-term investments.

For almost a decade, the Bitcoin system and currency havesupported financial transfersvia a peer-to-peer network to make fast, direct and pseudo-anonymoustransactions usinga blockchain-based public distributed ledger. Many online – as well asbricks-and-mortar outlets –around the world also accept Bitcoin payments.

In 2012, Ripple was launched on its own network, RippleNet, offering a new kind of payment and exchange system aimed mainly at banks and financial institutions. The Ripple protocol is a real-time gross settlement system (RTGS) that can be compared to the SWIFT system. It has been adopted by many well-known international banks, and is becoming increasingly popular.

A good way of predicting whether a cryptocurrency is going to last is to analyse how widely it is accepted. Both Bitcoin and Ripple are now recognised and trusted by tens of millions of people around the world. While the original cryptocurrency has greater brand power, its younger rival has the edge in terms of being trusted by major financial institutions. It is also cheaper, and is therefore the choice of many in-the-know traders.


Breaking Into Financial Services: 6 Tips to Get Hired Quickly After Graduation

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The financial services industry is changing rapidly.

For aspiring finance professionals approaching or not far removed from graduation, this is a double-edged sword. On the one hand, independent financial advisory firms are actively hiring qualified young people. On the other, applicants need to refresh their skills faster than ever, lest they fall behind nimbler peers.

Still, there’s plenty of opportunity out there for those who know how to seize it. Follow these six tips to break into the financial services industry ahead of schedule.

1. Understand What You’re in For

Many entry-level finance jobs share something in common: long hours.

Really long hours, actually. It’s not uncommon for first- and second-year associates to put in 70, 80, even 90 hours per week, toiling long into the evenings and eating up weekend time. Needless to say, that’s not ideal for family men and women.

If you’re looking for a slower pace with better work-life balance, focus on boutique firms touting laid-back corporate cultures.

2. Know Your Limits

Take a realistic look at your candidate profile and set your sights accordingly. If you’re graduating from a second-tier school with a middling GPA, you’re not going to have your pick of plum opportunities. But that doesn’t mean no one will hire you, as long as you don’t fritter away your resources on long-shot bids.

3. Network, Network, Network

Definitely upload your resume to finance job websites and check local listings regularly.

Just don’t stop there. Search on Google for high paying jobs in finance sector, some of the most fruitful connections in finance come from old-fashioned networking, not glorified cold-calling. Attend as many mixers, job fairs, conventions, and other industry events as you can; every new setting is a new opportunity.

4. Be Prepared to Change Jobs

Not every finance job pans out. Six or eight months into a new gig, you might find that things aren’t quite as promised. And, as in any dynamic industry, layoffs are common in finance too. Be prepared to seek out greener pastures with little notice.

5. Lean on Friends in Finance and Adjacent Industries

Not all networking involves people you barely know. You probably have friends, older classmates, siblings, and other connections who’ve already broken into the finance industry. Don’t be shy about leaning on them for references, internship opportunities, and tips about yet-to-be-posted openings. There’s no shame in landing a job on the strength of a personal connection: everyone does it, as they say.

6. Invest in Additional Credentials

If you’re not gaining the traction you’d expected, consider investing in additional credentials, like a Series 7 license. You’ll build on the already-strong foundation laid by your finance or business degree and open new, potentially higher-paying doors to boot.

How’s Your Financial (Employment) Plan Doing?

You know better than most just how important it is for adults of any age to have a financial plan in place. For aspiring financial professionals, a financial (employment) plan is equally important.



If you’re not yet practicing what you hope to preach, what are you waiting for? It’s time for you to make and implement a plan to find a career-track job in the financial services industry. Once you’re established, you can help those who follow to do the same.


6Richest Self-Made Millionaires Under 20

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When we hear about the richest children in the world, we instantly think of kids who are born into rich families. The first people that come to mind are the royal babies of Prince William and Kate Middleton, the Jolie-Pitt children, or Bill Gates’ kids. But did you know that there are also self-made millionaires who are under the age of 20?
That’s right. There are kids and teenagers who are already earning their own millions. As of April 2018, these are six of the richest self-made millionaires, based on their net worth, who are under 20 years old.

Ryan ToysReview, 7
Estimated Net Worth: $11 million

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Some of the richest YouTubers arePewDiePie, Smosh, and Jake and Logan Paul. But the youngest and one of the most profitable YouTubers is a seven-year-old! With 13 million subscribers at the time of writing, Ryan ToysReview is a family-run YouTube channel that features a kid named Ryan who unboxes and reviews various kids’ toys. As his YouTube bio claims, “Toys Review for kids by a kid!” And that’s probably why he became internationally famous – honest toy reviews by an actual kid.

Jaden Smith, 19
Estimated Net Worth: $8 million

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If your parents are superstars, you don’t have to work at all and still be rich. But like Will Smith and Jada Pinkett Smith, their son Jaden is a passionate artist who won’t let his talents go to waste. His movies, including The Pursuit of Happyness and The Karate Kid, have largely contributed to his worth, but Jaden is also a rapper, singer, and songwriter. He also owns a clothing brand and is a partner in a spring water company.

Rico Rodriguez, 19
Estimated Net Worth: $7 million

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Best known for his role as Manny in the family sitcom Modern Family, Rico earns $20,000 per episode of the show. He and his Modern Family castmates won the Outstanding Performance by an Ensemble in a Comedy Series award at the Screen Actors Guild Awards for four years in a row (2010-2013). Aside from being an actor, he also wrote a book, Reel Life Lessons… So Far published in 2012.

Willow Smith, 17
Estimated Net Worth: $4 million

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Also on this list is Jaden’s sister, Willow. Remember the hit song Whip My Hair and the little girl in the video? Yup, that’s her and she’s 17 now. Her debut single sold about 1.31 million copies, earning $1.7 million in October 2010. Although best known as an R&B singer, Willow started as an actress and has starred in I Am Legend’and in Madagascar 2: Escape to Africa. She remains active in the music industry and is an ambassador for a project that supports kids in Africa who were orphaned by AIDS.

Ben Pasternak, 18
Estimated Net Worth: $4 million

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At 14, he created his first app, Impossible Rush. Who knew that an app born out of boredom in his high school class would change his life? And due to the success of Impossible Rush in the iOS App Store, he created a follow-up, Impossible Dial, which also became a success. Then at 15, Ben was the youngest person to receive venture capital in technology for his third app, Flogg. In 2016, Ben co-founded another app, Monkey, which was sold to HOLLA Ltd. in 2017.

Jackie Evancho, 17
Estimated Net Worth: $2.5 million

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Since 2009 (at age nine!), Jackie has released an EP that reached platinum status and seven albums. Before she finished 2nd place in America’s Got Talent fifth season in 2010, she has alreadygained attention from all over the world via her independent releases and viral videos of her performance as a classical crossover singer. Her platinum-selling O Holy Night EP made her the best-selling debut artist of 2010.

If these kids did it, you can do it, too! All it takes is patience and determination. As cliché as it sounds, but being patient and determined can get you anywhere you dream to be, that’s for sure. Maybe you’re not an entertainer or a tech prodigy, but there are many other ways to become financially successful. Let these kids serve as an inspiration for you to become more resourceful and smarter with your choices in life.



Even if you’re past 20, it’s not too late! There is no required age for becoming successful. The first step to wealth is arming yourself with smart money management skills. Get started with the help of insightful blogs and success stories. Even entertainment materials, including movies, graphic novels, and comicstackle real-life scenarios thatcan help you get a better grasp of how to get your finances in order.

AUTHOR BIO:
Sid Liquigan
MobiusComic.com


The dire necessity of having an emergency fund – Few reasons to watch out for

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Are you someone who is always struggling with every single obstacle on road for every unanticipated expense? If yes, it’s high time that you reap benefits from an emergency fund as without this, it is tough to spend a debt-free life. Spending a life without an emergency fund is similar to operating sans savings account. Unless you keep aside few dollars for unpredicted expenses, you may fall in trouble during emergencies.

As it is seen that there are many people who fail to save for their future and you might also be one who is not setting aside funds for your emergency account. This article will tell you about the few good reasons to definitely have an emergency fund.

Reason #1: You’re trying your best to pull yourself out of debt

With each bump that you face on the road, having an emergency fund will help you stop adding to your already existing debt burden. When you have an emergency fund, you can use the proceeds to cover the things which you don’t consider like medical bills and car repairs. It is then that you can utilize this fund to handle such stressful events and feel easier to fall out of debt. When you have a cushion for unpredicted expenses, it’s easier to pay more money towards your debt accounts.

Reason #2: You have begun your budgeting efforts

When you’ve first started off with remodeling costs, you might be leaving off few of the expenses which you require planning for. Your emergency fund will be able to cover few of the expenses during the initial year and later on you could add all of these into your budget while they come up. Such annual expenses could be items like fees, gifts and donations towards organizations.

Reason #3: You just have a single source of income

In case you’re someone who has got only one source of income, it is vital for you to certainly have an emergency fund. Through this, you can get through unanticipated job loss which keeps you from working. In case you’re single or you’re the only income provider in your family, you should work hard on maintaining expenses worth a year. If you recently started off with your family, you should invest more on emergency fund. Work hard towards building a fund as early as possible.

Reason #4: You started owning your home

Whenever you own your home, you’ll require paying for the maintenance and repairing of your house. Though you may have to set a fund to cover remodeling costs, you might have unexpected expenses like repairing of air conditioner or plumbing repair costs. During such a situation, you can get help from an emergency fund to handle costs and making owning your home less intimidating.



Reason #5: You have ongoing medical issues

If you have a serious medical condition, this can cause you to increase your deductible every year. You might have to take routine tests which cost you a huge amount and this is when you will need an emergency fund to wade through such challenging times.

Henceforth, whenever you think of taking resort to loans like the Lendgreen online installment loans, you should first ask yourself whether or not you have an emergency account to fall back on. If you don’t, start having one.


Plan A Dream Wedding On A Budget

Dream Wedding Budget

A wedding is the most important day in many people’s lives, and because of this people will often save up for years and years in order to make the day as perfect as they can.

Weddings however are incredibly expensive when you consider the event planning, food, venue, photographer, clothes and everything else that goes into this one day. If you don’t have a lot of money to spend and still want to enjoy that perfect wedding day, there are ways you can save yourself some money and still have the best day ever.

Choose flowers in season

One great way to reduce the cost of your wedding decorations and the bouquet is to choose flowers which are in season at the time or your wedding. For example in the spring you could make use of soft colour with peonies, and in the summer you can make the most of roses.when flowers are in season they are cheaper because they don’t take as much time and effort to grow- this means you don’t have to pay through the nose for these sweet decorations. It can also add a lovely touch to the wedding because you will be getting flowers that fit your theme.

Place name favours

Wedding favours are usually a small token which you will offer to your guests as a thank you for them attending your wedding. They will often include things like a small goody bag full of things or even a gift like a photo frame or vase. If you want to save yourself a little bit of money and time for the wedding you can make favours which are also used as place names on the wedding breakfast table. For example a mug with your guest’s name on, it even a wine glass with their name engraved on the side which they can use throughout the evening. It only has to be a small favour and will make a cheap addition to your table decoration.

A potluck dessert table

If you want to save yourself a lot of money on fancy cakes and other desserts for the wedding party, you can ask some of your baking family members and friends to make something to add to the table. So many people are getting more involved in baking these days so it will be a good opportunity to take advantage of their skills. It can also be a nice way for your guests to feel involved in the wedding proceedings.

Simple table decorations

A great way to decorate your wedding table without spending too much money is to simply buy some small plastic crystals and in the centre you simply need a vase with a set of battery operated fairy lights. It is a very simple design which is effective and will look magical as the evening draws in and the lights are dimmed in the venue.

Photograph table centres

If you want to add a more personal touch to your wedding tables and you don’t want to spend too much money on them: you can print off some photographs of places you have loved over the years and use these as your table names and centerpieces. They are cheap, colourful and personal.

Use family jewellery

Rather than going out to buy a ton of new items for you wedding day, why not see if you can borrow some jewellery from your Mum or grandma. It will save you having to find your something old, and it have much more sentimental meaning to you and your family than a brand new set.

End of season wedding dress

Arguably one of the most important purchases you could make for your wedding day is the dress you will walk down the aisle wearing. It is an item of clothing which women dream of their entire lives, but it can cost a huge amount if you buy it in new. To avoid having to do so, you can wait until the end of the season and but your dress at a reduced price. The dress will still be great quality, but you won’t need to fork out the same money for it.

Create your own photo booth

Wedding photo booths can cost a huge sum for the night and it is often not worth the cost. However, if you still want the feel of a photo booth you can get a family member to lend your their camera: set it up on a tripod in the corner of the room and then make your own unique booth. Using a white sheet, some metal poles and some random costume props; you can create your own background and let people take hoots throughout the night!

Do your own makeup and hair

Although the idea of having your hair and makeup done on your wedding day is nice: it is expensive and often doesn’t turn out exactly how you want. If you are fussy with your hair and your makeup it would be better for you to do it yourself. You’ll have full control over the way you look and you won’t have to deal with too much contour or an aching head all day. Even if you don’t currently know how to do your makeup- you can spend time watching YouTube tutorials and practice.

Take your own car

A wedding car can cost a lot of money on the day of your wedding and it is something which you don’t necessarily even need. To save yourself some money it would be much easier to take your own car and ask a family member to drive you.

Use disposable cameras

If you cannot afford to hire a professional photographer for the whole day of your wedding, you can save yourself some money by using disposable camera during the evening reception. Place a few cameras on every table and allow your guests to take fun, active and candid shots throughout the night. It will be much more personal and give you some amazing memories to hold on to after the day is over.


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