Larry James' CelebrateIntimateWeddings BLOG

Sunday, December 7, 2014

9 Hidden Wedding Expenses That Caught Me by Surprise

Jennifer Calonia, Guest Author

Anyone who has planned or will plan a wedding can empathize with the horror of seeing expenses creep over their budget. The Knot revealed that the average 2013 wedding cost $29,858 – and that’s not including honeymoon expenses. In my hometown, Los Angeles, the average cost to host a wedding is $38,735 – and that only makes it the 11th most expensive place in the U.S. to get married, according to the survey.

HiddenWeddingExpensesMy wedding isn’t until November 2015, but my fiance and I mapped out a 27-month engagement that would give us time save money for the event. Like any newly engaged couple, we asked ourselves how much we were willing to spend on our big day, but we knew that our large Filipino families would expect us to extend invitations to distant relatives and friends with six degrees of separation from us. My mom’s contribution to the list of guests we needed to invite, for example, included one of her high school friends, that friend’s entire family and her friend’s daughter’s long-term boyfriend.

Some friends recommended that we dodge a traditional wedding by eloping on the cheap. This would save us from spending the equivalent of a home down payment on a single night, but we knew the importance of tempering family cultural expectations with our modest budget.

At this point, we’ve locked in the venue and most of our primary vendors. But along the way, I’ve encountered more than a few surprises and budget-busters.

To read the rest of the article, please click here!

BONUS Articles: Tying Up Loose Ends After the Wedding! – Newlywed To-Do List
10 Hidden Wedding Costs to Watch Out For
30 Unexpected Wedding Costs Brides Forget to Budget For

Larry’s NOTE: It’s very important to have a wedding budget. Not all vendors charge based on those discussed in this article. Please check your contracts with wedding vendors to keep you from experiencing hidden wedding expenses.

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Copyright © 2014 – Jennifer Calonia. Jennifer Calonia is a Los Angeles-based journalist covering consumer tips about banking, savings and other personal finance topics that matter most to your wallet. Her features and savings advice are featured on GOBankingRates, U.S. News, Yahoo! Finance and MSN Money. More about Jennifer!

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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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Thursday, April 3, 2014

Newlywed Romance Tips…

Filed under: Marriage Tips!,Money Matters — Larry James @ 7:30 am
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Newlyweds who watch five relationship movies together are half as likely to divorce or separate within three yeas as ones who do not, reports Ronald D. Rogge, PhD. His research focuses on understanding relationships and the early years of marriage.

RomantiicTips4NewlywedsWatching five movies from the more than 100 listed at Couples-Research.com and then discussing them using the site’s interactive tools will help couples actively set aside time to prioritize and focus on their relationship, thus strengthening bonds.

Researchers at the University of Rochester are looking for couples to participate in a research study of how reflecting on your relationship using popular movies can impact relationships over time. Interested? Click here!

• Here’s another way too help your relationship: From Martha beck’s latest book, “Martha Beck Collection; Essays for Creating You Right Life” she says, “Always tell yourself the truth! The most intimate connection in your life is the one you have with yourself. Dishonest in your relationship is at best counterproductive, at worst catastrophic. If you want your relationship to work, tell yourself the truth, the whole truth and nothing but the truth. This can be difficult. We all tell ourself lies, whether occasionally or habitually, often without realizing we are lying to ourselves.

Fortunately, we can always locate our own untruths: Just follow the fumes of suffering. Believing lies makes us miserable. That’s why all effective counseling, from therapy to chatting with your nana, focuses on trusting your gut and owning your thoughts and feelings.”

• Practice non-judgment with your mate. Judgment kills empathy. Guess what? Empathy is necessary because empathy is what fuels trust and intimacy!

• Take time to schedule a relationship tune-up several times a year. The truth is, we could all use one occasionally. Attend a relationship seminar. Read a great relationship book… together. Talk about it. What did you learn that you can plug into your own relationship? Call a relationship coach. It’s always best to get coaching before you need it. Unfortunately, some couples wait until there is no opportunity to keep the relationship together.

• One of the primary causes of relationship issues is the sensitive subject of money. You are perhaps both used to spending your earnings as and when you like and it may be difficult to have another person impose on your financial decisions – particularly if one of you earns more than the other. Couples you have strong relationship live longer and have a much better change of staying together. The classic line in many wedding ceremonies includes the words, “for richer or for poorer.”

Couples who once smoothed over spats with a little shopping therapy can no longer afford to fill that prescription. Marital roles are shifting as onetime breadwinners adjust to long bouts of unemployment. Husbands and wives are blaming each other for bad investments and onerous debt.

Money is the biggest stress on married couples in many years. It seems to be the top reason that most couples find themselves in major disagreements. Although the longer they are together, the less they argue about money. It is imperative that couples discuss financial statuses beforehand and as you make plans for the future. Make some agreements and keep them.

• The dreaded housework hangup. Nowhere is it written that the wife must do all the housework! Another idea for minimising the risk of conflict is to divide up the housework early on in your marriage. Agreements work well with this issue too. However you do it, make sure that you settle the matter fairly so that neither of you feels taken advantage of; after all, you want to feel as though you have entered a loving marriage, not signed on as a housekeeper.

• Keep the romance alive. With today’s busy schedules it’s important to make time to spend with each other. Never stop doing the thing that brought you together in the first place. Schedule a weekly date-night.

• And finally… Never deprive your partner of S-E-X, otherwise they may hop into someone else’s bed and worsen the situation. Have fun with intimacy. Sex is fun and pleasure is good for you! Read: “Red Hot LoveNotes for Lovers!

What are some of the ideas you and your partner use to spice up your relationship? Please add them to the comments for others to share.

BONUS Article: Till Death Do Us Part???

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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.

Add Larry James 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

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.

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Click book for info!

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
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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
Follow Larry’s “Authors & Speakers” BLOG at: http://AuthorsandSpeakersNetwork.wordpress.com

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