Tag Archives: money

Wedding Planning 101: How to Avoid Common Scams When Planning Your Big Day

Being a savvy consumer can really help when it comes to saving time & money when planning your big day.

When planning a wedding, couples can easily become distracted with all the exciting planning that they forget to double check certain things. Vendors can see happy couples as a target for potential scams, believing that they only have one thing in mind and are dealing with a ton of pressure, making it easier for them to take advantage. Wedding planning can be a stressful time for couples, so avoid additional stress by taking the right precautions to avoid any scams.Image

When hiring wedding vendors, there are a bunch of things to take into consideration. Most couples just look at the quality of work the vendor has done in the past to see if it matches their wedding desires, not realizing that they too should check more in depth about the vendors themselves. Since this has become such a big issue, Attorney General Schneiderman has issued some helpful tips so that you don’t become a victim of a consumer scam:

  •     When paying for a vendor, avoid paying cash. Credit cards companies can come in handy when an issue has to be disputed.
  •     Before booking with a company, check out their records with the Better Business Bureau and review any complaints they’ve had in the past.
  •     When booking a photographer or videographer, be sure to make the person’s identity part of the contract. Photographers tend to have multiple weddings on one specific date, making it easy for the company to just send someone else to shoot your wedding.
  •     Check recent references. This will show how the companies’ job performance has been in the past couple of months.
  •     Do not make any rushed decisions. Be sure to read over everything and review your contract before signing it and making it official.
  •     Before making your decision, get multiple quotes from different vendors. This will give you more options to choose from and a better understanding of the services each company will provide.
  •     Do not pay in full all at once. Hold back 25 percent of the total costs until you have the products in hand. This will assure that the companies complete their duties that are specified in the contract. For example, a photographer will sometimes shoot a wedding and take months to send out the photos because he isn’t waiting on a payment. When companies are waiting to get paid, they tend to do things in a more timely fashion.
  •     Make sure the contracts include due dates for each task. For example, the pre-bridal photographs should be taken by a specific date, and the proofs should be ready by a specified date.

By taking the extra time out to check over these things, you are setting yourself up for a stress-free wedding day! Getting things done ahead of time will make it easier on everyone as the big day arrives so be sure to review everything, take your time with making final decisions and specify all your needs in a contract.

It’s Just a Job

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I was at my last job for 5 1/2 years. It taught me responsibility and that you can’t just call into work whenever you want. It also taught me something else though. It made me realize that your job is just your job. You shouldn’t let it make or break you, ESPECIALLY if it isn’t your career. I used to work every Saturday from 9-5 starting at the age of 18 up until I was 24. Think of all the things a young girl does between that time period… parties, bars, turning 21, celebrating other 21st birthdays, staying up late or never going to sleep at all. The nights I got the least sleep and was so tired the next day sitting at my desk, are the days/nights I remember the most clearly. So many times I sat at that desk hungover barely able to look at the computer screen as the phone rang loudly in my ear with annoying customers on the other end yapping away in my ear. I look back and wonder why I cared so much about a job I would not be at forever. My boss was very lenient and pretty much let us do whatever we wanted, which made it even harder for me to care. I did at first, but as time went on I began to realize it was just a paycheck. A small paycheck. A paycheck that barely fed me weekly and put gas in my car. But, it was a paycheck and I was thankful for that, of course. But, think of all the things we sacrifice and do each day to make people at our job happy. To make others at our jobs happy. We wake up early, drive to work in traffic while still feeling like we’re asleep. Get there to listen to what we are supposed to do until we get that half hour of freedom (lunch break) then we’re back at it until we leave. Then we sit in more traffic until we make it home. As I get older, I care less about the money. YES, it is important because we need it to live, blah blah blah. But, if I’m not happy then it’s just not worth it to me. You know why I work? Because I want to travel. I want to see things I can’t see while sitting in my cubicle. My mind is caged all year long so I can break free for a while, which keeps me half way sane for the time being. Sure, I want money to buy a house one day and a nice car that is safe for  my family and all that good stuff… but it’s just not enough to keep me hungry for it. It may make me sound lazy but in reality it’s just me being hungry for something different and more exciting. I hope that one day I can write as I travel all over the place, making a living off my journeys and sharing them with others. Until then… I have these paychecks.

Don’t take the money and the work so seriously, we will spend the rest of our lives working. Live a little.

10 Things I Would Tell My Younger Self

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I always think back to when I was younger and how I had specific expectations about my future, not having any clue as to what was ahead. If I could go back in time and prepare myself for anything, it would be the following:

1. Save more money. Every time I received money for holidays, birthdays, etc. I quickly spent it. Now, at the age of 24, I wish I had some more money to fall back on when needed.

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2. Make the most out of your college years. If I could do it all over, I probably would go away for college and actually try my very best to finish. I would have stayed on top of financial aid and anything else that went along with schooling. I went to a local school and sometimes I feel I would have had a better college experience if I went away. Your college years only come around once, make them count.

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3. Don’t bother trying to fit in. After high school, no ones gives a crap what “clique” you belonged to. Don’t stress over silly people who one day will probably be out of your life forever. The only person you should care about impressing is yourself.

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4. Things will change – be prepared. You don’t realize when it’s happening but things change constantly and you never realize until you’re looking back on things. Your friends will change, your relationships will change, your looks will change. The only constant in this life – change.

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5. Take advantage & be thankful for all the things you have access to. We don’t realize until we’re older all the things we received as children that are now not as easy to get as adults. This goes for a couple of different things… anything from food, hot water, health insurance, schooling, a roof over our heads. If you were fortunate enough as a child, your parents or guardians made sure you had all these things growing up. All the necessities. Now as an adult, you hope you don’t get injured because getting health insurance through your job is too expensive so you just don’t have any at all. Everything comes with a price.

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6. Keep a journal/diary. Write down all the big moments in your life so you can read it ten, twenty years from now. You’ll get a good laugh at how silly you were as a kid and it will remind you of some fun childhood memories. It’s nice to take a walk down memory lane and you will want to once you’re older.

Image7. Listen to your parents when they tell you to brush your teeth. This may sound funny but it’s so true, they’re telling you this for a reason and if you don’t listen you will most likely pay for it when you’re older. The dentist sucks – plain and simple. And it costs money.

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8. Be adventurous as much as possible. Go everywhere you can and cause some trouble. Paint the town red and enjoy every minute of it before adult responsibilities get in the way.

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9. Eat the cake… eat the candy… eat the ice cream. Eat it all. One day your metabolism will slow down and you will definitely not be able to eat like you used to. Feed your sweet tooth.

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And most importantly…

10. Stop rushing. I remember being young and wanted to be a “grown up” so badly. Ugh, now I ask myself “why?!” You have no responsibilities when you’re a child, nothing to worry about. Enjoy it, stop rushing to become an adult because when it happens you’re going to wish you could go back to a time when things were much simpler.Image

Eyes Open Wider As You Get Older

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Sometimes I make myself nervous, aren’t I supposed to care more about things as I get older? Like having a career and money to buy a house and savings to start a life? Instead, I find myself caring less than I did in high school, a time when most don’t care at all. I’ve become mentally lazy with things and the only thing I can think of as a reason to why is because I’m just not fully satisfied. I need more. I work to make money to do things I want to do, but I don’t find myself doing any of it. I just keep waiting for the right moment, the right time to hop on a plane. The thing is, if I had enough people around me that felt the same way and wanted to get away as bad as I do, I’d be somewhere new every 2-3 months. I’d find the money to do it because it’s what would make me happy. Unfortunately, work and other responsibilities get in the way of the fun. I’ve grown so impatient with everyday life but mark my words I’m on my way to not letting that happen anymore. It may take some time, but if it’s what you really want then don’t let anything get in your way.

I Crave

I crave such simplicity,

A dirt road leading to a farm house with a wrap around porch.

I crave such peace,

Lying on a hammock listening to the shimmy of the trees.

I crave such serenity,

A bubble bath in a claw foot tub.

I crave such calm,

A screen door that creeks closed when the wind blows.

What do you crave?

Is it a mansion with seven bathrooms?

What do you long for?

Is it the newest Mercedes or brand name handbag?

What do you dream about?

Is it a lavish life that brings chaos?

That’s why I crave simplicity; chaos.

It clogs the brain, stresses the heart,

With simplicity comes peace.

You can have the extravagance…

I’ll take the creeky screen door

Over the seven bathroom mansion any day.

Why? Because my heart craves simplicity.

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Living is More Important Than Money

This is something I’m starting to learn, it’s hard but I’m learning. Today I get paid and pretty soon this will be my only job… after going from 3 jobs to 2, back down to 1 is a bit of a transition. I went from getting paid 7-8 times a month (ridiculous, I know!) to 4 times a month and soon to 2 times a month. One of my jobs was seasonal and the other was one day a week so I put my two week notice in. I have some money set aside but I never realized how much I was making until I started making less. I have more time to do things though and enjoy life which is the pro of all this and that’s what I try to remember when looking at my bank account. I re-blogged a post yesterday about a nurse who asks her terminally ill patients what they regret the most in life now that they’re on their death bed – a good number of them said they regret working so much. This made me realize that I was making the right decision about going back down to just 1 job. I have to enjoy my life before it’s too late. We never know what can happen and I’m not going to wait for it, in the meantime I’m going to try my best to do the things I’m dreaming to do. The longer we wait, the sooner life passes us by.

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