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Saying "I do" without debt
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Say "I do" to your groom on your wedding day, not to debt. It is completely possible to have the wedding of your dreams without breaking the bank. Have you thought about these money-saving tips for your wedding? - photo by Tracy East
A designer gown, gorgeous flowers, candles on every table, the biggest cake youve ever seen, and a steep price tag. Thats right, wedding season is almost here, and recent reports indicate that the average wedding now costs upwards of $26,000. But a wedding that costs more than a new car just isnt realistic for many couples.

Do all of your dreams for a beautiful wedding need to be sacrificed if you need to stick to a budget for your big day? Not at all!

The big expenses and how to cut costs

1. The Dress is one of the larger expenses for many weddings. There are several options to save here:

  • Consider a pre-owned dress.
Websites like preownedweddingdresses.com connect brides-to-be with newlyweds who want to make a few dollars off their worn-once dresses (in some cases, the dresses were never worn at all). Dresses are listed for anywhere from 30%-80% off retail, so this is a fantastic way to save hundreds or maybe even thousands of dollars.

  • Another option is to rent a dress. Websites like rentaweddingdress.com allow you to have a perfect dress for your big day without the big expense of purchasing your dream dress. If youre not keen on walking down the aisle in a dress worn by someone else, try looking at online boutiques to find the dress of your dreams. You can find a new one for much cheaper online than in-store. It never hurts to research all of your options!
2. The Guest List and Venue can quickly drive up wedding costs. Items like extra food, drink, and party favor to cover a larger crowd are pricey, not to mention the need for a larger venue or extra dcor. It can all cause your budget to balloon quickly. Instead try these money-saving tips:

  • Invite your closest friends and family only.
Maybe youd love to have all your coworkers, neighbors, and casual acquaintances celebrate with you, but a more intimate ceremony can be lovely and is a much cheaper way to go. If you want to celebrate with everyone else, consider hosting a more casual reception/ party at your home sometime after the wedding.

  • Instead of renting out an expensive banquet hall, look into less expensive options for the reception. Perhaps your parents or a relative have a large backyard where the reception could be held. Maybe there is a beautiful park nearby. A church hall that is nicely appointed can be a cost-saving option.
  • The cost of a sit-down dinner can be high, and will grow with each guest you add to your list. Have you thought about serving hors doeuvres only? It will decrease the cost of the reception by quite a bit, but your guests will still have enough food that they wont go hungry. You may have to shift the time of your reception so it isnt held during lunch or dinner, but you can save a bundle while still having and elegant and memorable reception.
  • If you plan to serve alcohol at your reception, ask the venue if you can provide it yourself. If allowed, you can purchase enough beer and wine for your guests in bulk from Sams Club or Costco. Buying it yourself, instead of buying it at a marked-up rate from the venue, will help you stick to your budget. You will still have to pay for the bartender to open and serve the bottle, and youll be saving a lot. If alcohol isnt in the budget, let your guests buy their own from the venue and consider a simple, less expensive wine or champagne toast.
  • Dont spend a fortune on decor. Discount stores often have great wedding decorations or favors, and craft stores typically sell wedding items at a fair price as well. A little bit of crafty know-how and some willing hands to DIY can save you a lot of money in the end. Dont be shy about checking out websites that let brides sell decorations or other gently used (good condition) items as well. A few Google searches can often yield just what youre looking for.
3. Photography can be a big expense, but who can blame a couple for wanting to have beautiful images of their happy day to cherish for years to come? Here are tips to pick the right photographer:

  • Wedding photography is a big business with a big price-tag, but an investment of time in searching can yield an amateur photographer trying to make it big. Look for a photography student or someone with a new business looking to build his or her portfolio.
Photographers without a lot of experience will often agree to do weddings or other events for a much smaller fee in exchange for using the photos to add to his or her portfolio. Just be sure you like the work he or she has already done and dont be afraid to ask for references from any other previous clients.

4. The Honeymoon is another major wedding expense. It is important to remember that while the time away as a couple is important and needed after the wedding, where you go is less important than quality time together. You dont have to spend big bucks to make memories of this important milestone

  • If you want to go somewhere exotic or expensive, you can register for a honeymoon fund instead of a traditional gift registry. For one wedding I attended, the couple had a honeymoon registry through their resort that listed several activities they wanted to do on their honeymoon (like scuba diving or zip lining). Guests could pay for any of those activities in lieu of a gift on the wedding day, and the bride and groom didnt have to shell out as much for activities on the trip.
  • There are many less-expensive options for traveling on a honeymoon. Consider staying within driving distance to cut down on travel expenses. When you dont have to fly or rent a car, you will have more money to spend on lodging, food and activities. State parks offer some excellent options for destinations and even lodging at attractive price-points. Consider using travel discount sites like Groupon for deals (just be sure to read the fine print). Above all enjoy your time as a couple. Some of the best memories can be made when you get creative and find ways to be romantic that are budget-friendly.
If you are planning a wedding and looking to keep the costs low, rest assured, it can be done. Why not give yourself the gift of not starting your new life together hindered by the burden of owing money?
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How to avoid 'sharenting' and other paparazzi parenting habits
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A recent study revealed parents often spend up to two hours staging a single photo of his or her child to post online. - photo by Amy Iverson
Before having kids, some people just dont appreciate their friends baby posts. But after having a child of their own, three fourths of new parents jump right on the parental social media bandwagon. If you have become a member of this group, there are some rules to follow for posting responsibly.

Much of a parents worry is how to teach their children to use social media responsibly. We talk with our kids about privacy, oversharing, and setting restrictions on their devices to keep them safe. But parents themselves need to look in the digital mirror once in a while. Before having children, it doesnt take as much effort to think about what to post online. Its up to us to decide what we share about our own lives. But once you become a parent, there are many questions to think about regarding what is appropriate to post about your kids on social media.

In a recent survey, kids clothing subscription company Mac and Mia surveyed 2000 new parents to find out how they are documenting their kids lives on social media, and what concerns they may have.

First of all, people without children seem to feel a bit differently about the onslaught of baby pictures online than those who are parents. 18 percent of people say before they had kids, they were annoyed by their friends baby posts. But after having children of their own, 73 percent admit they post progress pictures of their little ones every single month.

Not only are new parents letting the world know each time their baby is a month older, but they are posting about their kids every few days or so. Men and women report they post 6-7 times per month about their baby.

And while 70 percent of new parents say the benefit of using social media is how easy it is to help family and friends feel involved, there are some downsides. Here are a few tips to avoid the pitfall of becoming paparazzi parents.

Dont miss the moment

In the Mac and Mia survey, some parents admitted to spending up to two hours to get the perfect shot of their baby. That seems a little extreme. New and old parents alike should be careful about spending so much time taking pictures and videos that they dont enjoy the moment. Years ago, I decided to never live an experience through my phone. A study by Linda Henkel, a psychology professor at Fairfield University in Connecticut, found that when people took pictures of objects in an art museum, they didnt remember the objects as well as if they simply observed them.

This photo-taking impairment effect can happen to parents as well. If we are so consumed by getting the perfect photo, we can miss out on the moment all together, and our memory of it will suffer.

Dont forget about privacy

60 percent of couples say they have discussed rules and boundaries for posting their babys photos, according to the Mac and Mia survey. Even so, men are 34 percent more likely to publish baby posts on public accounts. If parents are concerned about their childrens privacy, keeping photos off of public accounts is a given.

In the Washington Post, Stacey Steinberg, a legal skills professor at the University of Florida, and Bahareh Keith, a Portland pediatrician, wrote that sharing too much information about kids online puts them at risk. They write that all that sharenting can make it easier for data thieves to target out kids for identity theft. Check that your privacy settings are where they should be and never share identifying information like full names and birth dates.

Dont be paparazzi parents

36 percent of parents say they take issue when their childs photo is posted online by someone else. Responsible social media users will always ask permission before posting a photo of another child. But parents should also think about whether their own children will take issue with their own posted photos a few years down the road.

When parents are constantly snapping pictures and throwing them on social media, it can be easy to forget to pause and make sure the post is appropriate. I always use the billboard example with my kids. I ask them to picture whatever they are posting going up on a billboard in our neighborhood. If they are okay with that, then their post is probably fine. Parents should ask themselves this same question when posting about their children. But they should also ask themselves if their child would be OK with this post on a billboard in 15 years. If it would cause embarrassment or humiliation, it might be best to keep it private.

Once children reach an appropriate age, parents should include them in the process of deciding what pictures are OK to post. Researchers at the University of Michigan surveyed 10- to 17-year-olds and found children believe their parents should ask permission more than parents think they should. The kids in the survey said sharing happy family moments, or accomplishments in sports, school and hobbies is fine. But when the post is negative (like when a child is disciplined) or embarrassing (think naked baby pictures or messy hair), kids say to keep it off social media.
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