Larry James' CelebrateIntimateWeddings BLOG

Saturday, September 6, 2014

Tying Up Loose Ends After the Wedding! – Newlywed To-Do List

Wheew! The wedding and the reception are over. Now what? Honeymoon? And when you return it’s time to get busy again. No rest for the weary, right? Time to get organized. We’ve put together some ideas that may help you tie up the loose ends after the wedding celebration is over.

Put Away Your Wedding Keepsakes ~ Put your favorite wedding photos in frames and display them. Clean and store your wedding dress or tux. If you intend to keep your wedding dress have it dry-cleaned at least six months of your wedding. Use a service that specializes in wedding dresses so they use the right cleaning solvents. Make sure they stuff it with acid-free tissue, avoid using metal pins or buckles, and store it in a box. Once it’s back home, store it in a cool, dry place. Last. but not least, get rid of gifts or keepsakes from ex-partners.

NewlywedToDoListChange Your Name ~ Ideally, you should change all your IDs as soon as possible of getting hitched. Hopefully when you purchased your Marriage License, you ordered a Certified Copy to be sent to you after the Minister/Wedding Officiant registers it with the County Clerk’s office. Once you receive it, change your name with Social Security first. Wait a couple of day then change your name on your Driver’s License, State ID, Passport. Social security and the passport people both require a certified copy of your license. Depending on where you live, you may need to apply at Social Security in person. Call all of your credit card companies to get your name changed. Store your marriage certificate in a safe, easy-to-remember place.

Ring Up the Tax Man ~ Time to check off a new (married) box on your tax forms! Now that the two of you are a legal unit, you need to decide whether you’re going to file together or continue to file separately (joint filing isn’t something mandated by law, though it’s generally recommended). Don’t decide this on your own. Consult your accountant or attorney to see what he or she advises for the two of you. Think about changing your beneficiary to your husband/wife.

Plan and Review a New Budget ~ Take look at your income and set short-term and long-term goals. Begin to pay off any credit card debt that occurred as a result of your wedding. Fast-track any student debt. If you plan on having children, tighten your money belt before the baby arrives. A baby is something you should plan for. You will need to plan for who will be responsible for the bills since it’s now not just your money now. Remember to begin saving for retirement (Individual Retirement Account (IRA) or Roth IRA). One important goal should be to have at least 6 months or more of your monthly non-discretionary spending in an account separate from your checking account. Check out Dave Ramsey’s website for terrific financial information.

Send Your Thank-You Notes ~ While it’s still fresh in your mind, take notes for which gifts you received and from whom. If you don’t want snippy comments from family and friends, toss those thank-you notes in the mail within two months of your wedding. People will be waiting, and wondering if you liked their gift! Do few each night. Share this project with your sweetheart and the job will be half as daunting. It’s important to each sign your names on every card. Print off address and return address labels on your computer.

Give Everyone Your New Address ~ It’s perfectly fine to send a mass e-mail or an e-card with your new address. The traditional route? Buy store-bought moving announcements and slip them in with your thank-you note or have them custom-designed. Make sending thank you notes a breeze by printing address labels. Make sure to inform everyone of your new address. You never know who might be sending along a late wedding gift or card. Check our name-change checklist.

Return Wedding Gifts You Already Have ~ Sick of looking at those three toaster ovens gathering dust in the corner? Bite the bullet and return ’em within two months of your wedding. While stores are likely to be lenient with couples who’ve registered with them, each store will have a different policy on when you need to make returns by and what they’ll take back. Consider a garage or yard sale. Use it as a great opportunity to de-clutter. Put some of your wedding gift money toward

Update Your Employer on Your New Status ~ Remember to notify your employer of your new marital status. They will need to make any necessary adjustments such as changing any information on your W2 form, adding your spouse to your health insurance, and changing beneficiary designation on any retirement or 401k plans you may be enrolled in.

Finalize Your Wedding Album and DVD ~ Your photos from your photographer and guests won’t file themselves. Don’t put off your photo selection and video requests too long! On your first anniversary, wouldn’t it be great to pop in your wedding DVD and flip through your album? Most photographers and videographers issue a standard contract that gives you six months to a year to select album photos and edit footage for your DVD. If you don’t, you may have to pay extra.

Figure Out Your Finances ~ No one likes having “money talks,” but hopefully you had this one long before you walked down the aisle. Many married couples opt to merge their single accounts into a combined one, so definitely bring it up now if you haven’t yet. Decide if you want to keep your bank accounts separate, merged or a combination of both. Take a trip to your bank to fill out the necessary paperwork and get new debit cards and checks made. You may want to designate your spouse as beneficiary on financial and insurance related accounts, draw up a will, and ensure that you are both carrying the ideal amount of life insurance.

Make It Legal ~ When the two of you made it official, it meant more than just a tacit agreement not to hog the covers. In the next two weeks, you’ll want to talk about changing beneficiaries – most newlyweds switch their spouse to their beneficiary on work and life insurance docs. Call your insurance company and HR department at work for these forms. Decide whose work health insurance plan you’ll use by comparing cost and treatment options. If you’re the one making the switch, make sure the doctors you like are on the new plan. Within a few months, talk about drawing up a will that reflects your newly combined asset. Contact your attorney.

Remember Your Wedding Vendors ~ Send thank-you e-mails or cards to your vendors. Include any positive feedback on their services. If you and your guests were happy with there services, write reviews on wedding websites – and recommend your favorites.

Make Sure All Hired Items are Returned ~ Normally your florist or decor supplier will collect hired items from the venue but things like groomsmen suits and post-ceremony games will need to be returned so that you can get your deposits back. Make a checklist before the wedding and delegate this task to your best man or maid of honor.

Establish a Date Night ~ Very Important. Never let the romance fade in your relationship. Promise each other that no matter what you will always make time to be together. Specify at least one night each week to be designated “Date Night!” Read, “Date Night – No Less Than Once Each Week – No Excuses!

Plan Your First Wedding Anniversary ~ Begin to think about what you want to do, where you want to go and how you want to celebrate your first anniversary. Make a reservation or just agree on a plan so that you can have the year to look forward to it.

The wedding may be over, but the adventure of marriage is just beginning. A happy marriage is a fun and exciting time. Now it’s time to get busy again. Embrace and enjoy the change marriage brings and celebrate Love and your life together – remember, you’re only newlyweds for so long.

CelebrateIntimateWeddings

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Copyright © 2014 – Larry James. This information is adapted from Larry’s Wedding Website and Wedding Blog. Larry James is a non-denominational minister and performs the most “Romantic” wedding ceremony you will find anywhere! Every wedding ceremony is customized to your complete satisfaction. Call to check availability: 480-998-9411 or 800-725-9223. You will find more than 475 pages of Wedding ideas, tips (90 tips and growing), ceremonies, and more at: http://www.celebrateintimateweddings.com. Check Larry’s availability.

comment2Subscribe to Larry’s FREE monthly “LoveNotes for Lovers” eZINE. Contact: CelebrateIntimateWeddings.com, P.O. Box 12695, Scottsdale, AZ 85267-2695. – CelebrateIntimateWeddings.com

NOTE: All articles, “LoveNotes” and wedding tips listed in this Wedding BLOG – written by Larry James – are available for reprint in magazines, periodicals, newsletters, newspapers, eZINEs, on the Internet or on your own Website. Click here for details.

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Wednesday, July 17, 2013

Financial Infidelity Is Cheating!!!

When you make a promise to love, honor and cherish another person, the faithfulness implied doesn’t have a thing to do with money. Or does it?

“If you don’t have a major discussion regarding debt and money before you got to the altar or live together and make a major investment together, you’re walking down a dangerous path. You can be rich in love, but money is important in paying the bills.” ~ Bruce Bickel, Managing Director of PNC Financial Services Group’s wealth management division

Why is it that as most new relationships develop, couples tend to see each other naked before seeing each other’s bank accounts? Are you keeping money secrets from your partner? Monetary deceit is usually a deal-breaker! Financial infidelity is cheating! It involve a series of secrets and lies that can devastate a relationship. You are putting your relationship at risk.

In 2012, Self.com and Today.com conducted a survey of almost 24,000 men and women and found that almost 50% of married adults admitted to keeping money secrets from their spouses. Additionally, the survey revealed that while 37% of men and 56% of women admitted to lying to their partner about money, 63% of men and 70% of women agreed that being honest about money was as important as being monogamous. And yet, another U.S. poll found that 31% of couples had committed financial infidelity.

My sometimes arrogant, straight-taking, no nonsense “friend” Larry Winget talks about financial infidelity!

“Sex may be the first thing that comes to mind when you hear the word “infidelity,” but there are other types of “unfaithful or disloyal acts,” other ways spouses cheat on each other. A major one is money.” ~ Sharon Jayson, USA TODAY

Divorce360 experts call this “financial infidelity” or lying about how money is being spent. “…A married person who habitually spending more he makes and runs up debt or borrows from future earnings, retirement, whether it’s hidden or not, and knows that this is contrary to his spouse’s wishes, is being unfaithful to the health of the marriage relationship. He is demonstrating a lack of respect, reciprocity, prudence, honesty, especially if he knows that that style of money management is distressing to his spouse.

BonnieWeil

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Listen to this dialogue about separate checking accounts or not and make your own decision:

It’s important for couples to come together about money. You can blame the economy for shaking up your once solid union or you can define the real problem and mutually work together to find a workable solution.

Blame never solves the problem. It delays the inevitable search for a mutually beneficial solution. Work together. Cuss and discuss, but work on the solution. The only way to solve the problem of financial infidelity is commucation, trust, compromise and cooperation. Without honesty, the marriage isn’t likely to survive. If you find that you both cannot come to a mutually agreeable solution, call a coach!

Regardless of where you are in your marriage or relationship, the learning never ends. The classroom doors are forever open. Personal growth happens… so you would be wise to be ready for it. Get ready to learn from the bonus articles listed below.

BONUS Article: Financial Infidelity Has its Costs
How to Make Money Talks Less Awkward
Finicky Finances – Who Controls the Checkbook?
Till Debt Do You Part: Avoiding Money Problems in Your Marriage
Can Money Mismanagement Kill Your Marriage?

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Click for Larry’s Wedding Website!

Copyright © 2013 – Larry James. Larry James is an award winning, non-denominational wedding officiant and performs the most “Romantic” wedding ceremony you will find anywhere! Every wedding ceremony is customized to your complete satisfaction. Call to check availability: 480-998-9411 or Cell: 480-205-3694. Pre-maritial relationship coaching is available and not required. You will find more than 475 pages of Wedding ideas, tips (96 tips and growing), ceremonies, and more at: http://www.celebrateintimateweddings.com. Something NEW about weddings is posted every 4th day on this Wedding BLOG. Check Larry’s availability.

Subscribe to Larry’s FREE monthly “LoveNotes for Lovers” eZINE. Contact: CelebrateIntimateWeddings.com, P.O. Box 12695, Scottsdale, AZ 85267-2695. – CelebrateIntimateWeddings.com

NOTE: All articles, “LoveNotes” and wedding tips listed in this Wedding BLOG – written by Larry James – are available for reprint in magazines, periodicals, newsletters, newspapers, eZINEs, on the Internet or on your own Website. Click here for details.

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Add Larry James as a “friend” to your Facebook page: http://www.Facebook.com/larry.james
Follow Larry’s “once daily” Relationship Tweet at: http://www.Twitter.com/larryjames
Follow Larry’s “Relationship BLOG” at: http://CelebrateLove.wordpress.com/
Follow Larry’s “Networking BLOG” at: http://NetworkingHQ.wordpress.com
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Tuesday, April 16, 2013

How to Make Money Talks Less Awkward

Filed under: $$$ Tips,Budget,Financial Infidelity,Money Matters — Larry James @ 7:30 am
Tags: ,

Aly Walansky, Guest Author

You can talk to your significant other about what they love, what they hate, where they want to travel and what they want to accomplish. But talking about the root of all those things – money – can be difficult. Financial experts say money and money problems are the leading cause of divorce which means communication is key. Make those money talks less awkward with these tips.

Money-TargetPlan for It

daveramseyHaving a conversation about money isn’t something you want to spring on someone. Instead of bringing it up in the heat of the moment or just before bed, plan your chat ahead of time. Tell your partner you want to go over your finances next Tuesday or Saturday afternoon. Write it down on your calendar in ink. That way you can both be prepared and focused.

Read more of this article. . . Click here! (Not to worry, the article opens in a new browser window).

Larry’s NOTE: Don’t be blindsided by your partner’s debt. If you or your partner are knee deep in credit card debt, you need to talk about it “before” you tie the knot. Waiting until after marriage and then finding out that your partner has $45,000 in credit card debt could be the straw that broke the camel’s back. You must learn to discuss your money as often and thoroughly as necessary and the earlier in your relationship, the better. Financial counseling can help couples with different styles meet somewhere in the middle. Please be honest about money!

BONUS Articles:100 Ways to Cut Wedding Costs
Splitting the Wedding Costs
Get Out of Debt with the Debt Snowball Plan” by Dave Ramsey, author of “The Total Money Makeover: A Proven Plan for Financial Fitness

alyCopyright © 2013 – Aly Walansky. Aly is the beauty and fashion editor for MyGloss.com, a style columnist for SheKnows.com as well as a contributor to publications ranging from Huffington Post to About.com. While she is well-known for her beauty and style writing — New Beauty Magazine rated her one of the top four beauty bloggers on the web in their Winter 2010 issue and Star Magazine rated her the hottest blogger on the Internet this summer – she’s rather diversified in the blogosphere – she’s been hired to live-blog from locations ranging from the Miss America pageant to the Emmy Awards. Diversified, sure, but her true passion exists in the worlds of beauty and style, and she is quoted in countless publications on a weekly basis, and has appeared as a beauty expert on the FOX network and various radio programming. Aly currently resides in New York City, where she focuses on the travel, beauty/spa, and fashion writing realm. Visit Aly’s BLOG.

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Click for Larry’s Wedding Website!

Larry James is an award winning, non-denominational wedding officiant and performs the most “Romantic” wedding ceremony you will find anywhere! Every wedding ceremony is customized to your complete satisfaction. Call to check availability: 480-998-9411 or Cell: 480-205-3694. Pre-maritial relationship coaching is available and not required. You will find more than 475 pages of Wedding ideas, tips (90 tips and growing), ceremonies, and more at: http://www.celebrateintimateweddings.com. Something NEW about weddings is posted every 4th day on this Wedding BLOG. Check Larry’s availability.

Subscribe to Larry’s FREE monthly “LoveNotes for Lovers” eZINE. Contact: CelebrateIntimateWeddings.com, P.O. Box 12695, Scottsdale, AZ 85267-2695. – CelebrateIntimateWeddings.com

NOTE: All articles, “LoveNotes” and wedding tips listed in this Wedding BLOG – written by Larry James – are available for reprint in magazines, periodicals, newsletters, newspapers, eZINEs, on the Internet or on your own Website. Click here for details.

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Add Larry James as a “friend” to your Facebook page: http://www.Facebook.com/larry.james
Follow Larry’s “once daily” Relationship Tweet at: http://www.Twitter.com/larryjames
Follow Larry’s “Relationship BLOG” at: http://CelebrateLove.wordpress.com/
Follow Larry’s “Networking BLOG” at: http://NetworkingHQ.wordpress.com
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Friday, March 15, 2013

Finicky Finances – Who Controls the Checkbook?

MissNowMrs.com, Guest Author

A huge percentage of couples who wind up divorcing do so over finances. In fact a study done by Utah State University in 2009 reported that couples who argued over money at least once a week were over 30% more likely to get divorced than those who only disagreed about money once or twice a month. Those who argued over finances almost every day were over 100% more likely to get divorced than those couples who were able to agree over their checkbook. So if money is the root of all evil, at least in terms of marriages, how can you and your new spouse avoid this marriage pitfall?

checkbookMake a Plan

The only way that you can fight back against falling apart due to money is to have a plan. It doesn’t matter if you have only one income coming in, or two, it’s vital that you both are able to put together a plan that works for the household. And it’s actually a very easy thing to do. The first thing that you should do is to figure out how much money you’ve got coming in, and how much you’ve got going out.

Sit down together and add up how much money you bring home in a month. You then simply take all of the monthly recurring bills that you have and subtract them. Things like cable or internet or cell phone or rent are all things that should be deducted, one at a time, so that you can see how much money you have left at the end of the month. You can also estimate how much you spend a week for things like groceries and gas, and can deduct this amount as well.

The money that you have left over at the end of the money is the “play” money. This is the money that you both need to decide how to use. Some couples opt to give each other a stipend each week that they can spend however they want, while others simply pool the money into one big pile and use it how they see fit. What’s important is that you decide, together, what you want to do.

It’s also important that you decide who pays the bills. Some couples like to sit down and to do them together, while others prefer that one couple be responsible. Even if only one person is actually making the payments, both of you should know what’s going on, so if you’re the bill payer, make sure you tell your spouse when you’re paying this bill or that bill. This way both of you know where the money is going each month. And most importantly of all: no secrets. If your finances are strained, tell your spouse. Tips like these will help to keep money from becoming the big evil that so many couples see it as.

Larry’s Note: Smart couples that I know do their best to save at least 10% of their monthly income every month. I know. It’s not easy, and years from now you will be glad you did!

Listen to this dialogue about separate checking accounts or not and make your own decision:

BONUS Article: Post-Wedding Credit Card Blues? Here’s the Solution!
Get Out of Debt with the Debt Snowball Plan” by Dave Ramsey, author of “The Total Money Makeover: A Proven Plan for Financial Fitness

moneyheartCopyright © 2013 – http://www.missnowmrs.com/

Larry James is an award winning, non-denominational wedding officiant and performs the most “Romantic” wedding ceremony you will find anywhere! Every wedding ceremony is customized to your complete satisfaction. Call to check availability: 480-998-9411 or Cell: 480-205-3694. Pre-maritial relationship coaching is available and not required. You will find more than 475 pages of Wedding ideas, tips (90 tips and growing), ceremonies, and more at: http://www.celebrateintimateweddings.com. Something NEW about weddings is posted every 4th day on this Wedding BLOG. Check Larry’s availability.

Subscribe to Larry’s FREE monthly “LoveNotes for Lovers” eZINE. Contact: CelebrateIntimateWeddings.com, P.O. Box 12695, Scottsdale, AZ 85267-2695. – CelebrateIntimateWeddings.com

NOTE: All articles, “LoveNotes” and wedding tips listed in this Wedding BLOG – written by Larry James – are available for reprint in magazines, periodicals, newsletters, newspapers, eZINEs, on the Internet or on your own Website. Click here for details.

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Add Larry James as a “friend” to your Facebook page: http://www.Facebook.com/larry.james
Follow Larry’s “once daily” Relationship Tweet at: http://www.Twitter.com/larryjames
Follow Larry’s “Relationship BLOG” at: http://CelebrateLove.wordpress.com/
Follow Larry’s “Networking BLOG” at: http://NetworkingHQ.wordpress.com
Follow Larry’s “Authors & Speakers” BLOG at: http://AuthorsandSpeakersNetwork.wordpress.com

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