Ok, is it just me, or are there now like 8 gagillion social media apps we are supposed to keep up with now? Does anyone else blog, and want others to read what they’ve blogged? I know that I don’t pay for my own domain or anything, but I’d still like my content to get out there to brides that are dealing with the same things I am. But, in order to do that, market myself (which is a very uncomfortable thing to do, as I am finding out more and more how much of a private person I am), I have to be on all these different social media outlets and use them regularly. Ok, maybe some people’s’ lives are so interesting they always have something to tweet about or a picture to instagram (which is now a verb?), but my life is nowhere near that cool. You either get my cats, or the Maine woods…that’s pretty much it. I’d love to tweet more…I just have nothing funny, witty or cool to say every moment of every day. I envy the people who can come up with fun things every few minutes.
Alright, rant over. It was only sparked by this new “Vine” app that seems to be taking off. To be honest, it’s cool, but yet again, I have nothing in my life worth making a stop-motion video about, nor do I have that much time on my hands.
So I guess you are all aware that January is over? And at the end of the month what do we all do? Pay bills…yay. Bill paying is always the most stressful thing for me! I am the finance manager in our house, which seems to be a thing now. More and more women are managing the household finances now a days. I grew up with my dad as an accountant, so he managed everything. I inherited some of his flair for finances so I guess that’s why I do it now. But, as my sister is always quick to point out, I am a very high-strung individual, and worry unnecessarily about, like, everything, so you can imagine why bill paying sucks for me.
Lately though, it hasn’t been so bad! My hubby-to-be got a promotion at work and so he is making a little bit more than he used to, leaving…EXTRA. :::gasp!::: So now I have a little extra to throw around.
So here it is: THE MOST IMPORTANT PLANNING TIP I’VE LEARNED SO FAR:
Pay people as you go! Every time someone says “Oh, you’re saving for a wedding.” In my head I’m thinking, “Yeah and very poorly.” That was because we would get a little extra money, and spend it immediately on deposits or crafting supplies, which is for the wedding, but that meant no money was saved. I didn’t see us as making progress because we kept depleting our savings.
Here is the thing, you are saving for a wedding when you don’t plan at all, you just put money away until you have enough then you plan. If you are in the process of planning you are no longer saving because, as I’m sure those of you planning have noticed, the money comes in, then goes right out. So when you do get a little extra at the end of each month, DON’T save it! Find a vendor you’d like to pay down and send them a check! Make sure to include a note with the total you owe them, and then the new remaining balance after they cash your check. You’ll be amazed what you can pay off a little at a time, and what once seemed like a daunting task is now a little bit easier.
AND I have a few bonus tips for you! (I feel like I’ve learned a lot)
1) If you are a bank account nazi like me, and want to send your vendors the money but not have to wait (sometimes up to a month) for the check to be cashed, then send a money order. Almost all business accept them, it’s a safe way to send money, and the total comes right out of your bank account. I discovered this with the last round of checks I sent. I’m still waiting on one to be cashed. I hate having to subtract that amount from my bank account every time!
2) Tax Returns are a wonderful thing. For most of America, tax returns are a happy time, when we receive a bunch of money back for doing our duty to the country. First I would suggest if you have the extra money, get an accountant. My daddy is a great one, if you want his information, just contact me! Really, though, get someone who knows the biz and can squeeze every last bit of money you deserve out of the government. Then, when that money comes into your account use ALL of it to pay for your wedding stuff. Not some, not half, ALL. If you budget each month as usual and don’t count your tax return, you won’t miss it when it’s gone!
But really, biggest thing: Pay as you go! When ever there is extra money that isn’t going to a bill, pay a vendor. Trust me, you’ll thank me when your wedding day comes!
AND NOW: THE NEW THING! 🙂
I know that sometimes I post on here with inspiration pictures, most of which I get from Pinterest. So I thought I would start something new! Every Friday I will have a new Pinspiration for you! Most of the time it will be wedding related, but sometimes it might be something I just find really cool or beautiful! I hope you enjoy this new Friday special!
This comes courtesy of a blog called PaperVine and it’s a DIY! I thought that with this being the month of Valentines, why not make your hubby an adorable gift like this! Happy Friday all!