6 Simple and Savvy Ways to Reduce Your Car Insurance Premiums

There is never any point to be paying more for your car insurance than you should be. You could be paying too much, and you are not aware. There are a number of ways you can reduce your car running costs and coverage costs, some obvious, and some that many people do not know. Here is a look at the mains ways to go about this.

1. Renewing.
When it comes time to renewing your car insurance, your insurance company will send you a letter to warn you that your insurance is running out. They must do this as required by law. You should use this letter as your starting point. It is not always the best choice to renew with the same company – even if you have a no-claim bonus. Always get as many car insurance quotes as possible. Even get a fresh quote from your insurer’s online quoting tool. You might find it to be lower than what you are paying. Compare all the details of the quote and not just the price. Getting the right coverage, at the right price, is what is important.

2. Drive Carefully.
This is obvious. Not only will you lower your running costs and maintenance costs, you are less likely to have an accident, get speeding fines and ruin your car. Driving your car is a very serious issue. Many of us take it for granted. If cars were introduced today, everyone would be a little afraid. Always remember what it will be like to NOT have your license and your car.

reduce car insurance premiums

3. Higher Excess.
Excess is the amount you must pay before your insurance kicks in. If you are taking care with your car, and you don’t damage it often, and you are prepared to pay for minor damage, you can greatly reduce your premium cost by increasing the amount of excess you agree to pay. The best car insurance will include options for you to see how much different the cost is. Use the online quoting tools to check the difference in cost. Only a few hundred dollars in excess could result in a huge difference in your premium cost.

4. Look for Tailored Insurance.
Tailored insurance is insurance that is designed for you. This means you could pay for your insurance based on the amount of kilometers you travel. If you only use your car on the weekends, this could be an excellent way for you to be fully covered and have very low insurance coverage costs.

5. Don’t believe gossip and myths.
Gossip is always only what it is, gossip. Get real and concrete evidence for yourself. There are a number of websites that have brand and company rating systems. Use the sites to know what the payout rating of any company is. Make sure you understand what your policy says. That is what you are paying for, nothing else.

6. Package Deals.
Check whether any insurer has other policies that you can also get. If you have great insurance coverage from a company over several areas of your life, it is highly likely you can get a package deal. Bulk buying is the only way to go. You have to have that insurance, and if you can bundle it together, why not?

www.cornhilldirectbusiness.co.uk Apply online for a commercial insurance quote from Cornhill Direct Business

Ways to raise the money quickly to buy your dream car

Man removes cash from wallet

If you’ve just spotted your dream car for sale and have this compelling urge buy it quicker than the next person that falls in love with it, then you’re going to need to raise some funds….and fast. I went through this exact same situation only a few months back, only I didn’t know where to turn for information on where I could get hold of the cash to buy my dream car, and subsequently lost out as it got sold only a few days later. With this in mind, I decided to put together a few tips so you don’t have to go through the same nasty experience that has haunted me over recently.

Luckily there are options out there, even if you find only one in this article then it will have served its purpose, so lets have a look.

Get a loan – Not always an option for everyone as this will depend on your credit rating and if you’ve been able to manage your finances in the past, but if it is, make sure you check out all the terms and conditions to make sure you don’t end up paying for said car for the next decade.

Borrow from friends or family – Again, not an options for everyone, but if this is a viable option then go for it. Just be sure to set out a repayment plan in order to avoid any repercussions and fallings out later down the line. Do bare in mind though, this can always be levelled out by giving your friend or family member a ride to and from work, or a lift when needed. Just be careful not to end up as someones taxi!

Sell some stuff – There are a whole bunch of different ways to sell your stuff both on and offline nowadays. IF its bits of old things you no longer need then it might be worth looking to websites such as ebay, one mans rubbish is another mans gold. Speaking of which you could always sell your jewelry or gold to a broker, which could result in a big chunk of the cash you need quickly.

Forget the car and save for another – Failing all the other options, you could always go for the safe option,  forget the car and move on but remember, you only live once!

This is written by mark on behalf of foreign money exchange

Why do you Need a Real Estate Attorney and How to Find the Right One

When it comes to real estate buying and selling, you need to have a reliable real estate lawyer by your side. The lawyer will make sure that all the documentation and transactions comply with the real estate laws and regulations in that region, which is necessary, keeping in mind the property value and amount involved. Not only do they help you in garnering a safe deal, but all paperwork, legalities and formalities will be easier if done through a specialized real estate lawyer or attorney.

While going through the deal, you may be tempted to avoid the services of a lawyer as they can be a bit expensive, but note that in most cases, a real estate agent or broker will not be able to help you out in case of a legal complication. In that case you will have to get the legal assistance at higher rates, so why not hire a real estate lawyer straight away.

Roles and Responsibilities of a Lawyer:

Documentation: Whether you are buying, selling or seeking mortgage/insurance, you need to understand the terms and conditions in legal documents. Not understanding any term can get you in hot water, a real estate attorney will put these terms in simple words for you to understand.

Property Ownership: They will double check the property ownership or status to see if there are any covenants or registered issues related to the property.

Work with Your Bank: Financial dealings are pretty complicated and you need a lawyer’s help to deal with the monetary rules and regulations, especially if it’s regarding the mortgage, loans and insurance.

Closing a Deal: The closing deal requires a number of attested and accredited documentations; something which can be done faster if you’ve got an experienced lawyer at hand.

The fees for hiring a real estate lawyer might vary, some may charge hourly while others might ask for a flat fee. Either way, you need to understand what the final cost would be and try to fit it in your budget.

How to Look out for the Right One

Now that you’ve decided that you will hire a lawyer, you might be thinking, exactly where can I find a notary or real estate lawyer? The one who can take care of everything from mortgage to documentation, and the one who will not fell heavy on your pocket? Here’s how to find notary or real estate attorneys …

1). Ask for References: Nothing works better than the referrals coming from a friend or family member. So, the first thing you need to do is to ask around. If you’re lucky, you might be directed to a good lawyer from some of your acquaintance. With so many people buying and selling homes these days, it’s not hard to find a lawyer from the word of mouth.

2). Opt for Local Lawyers: Try opting for a local lawyer who understands the local laws and regulations of your state and knows how things work in the specific locality. Hiring someone from outside the market might not be as helpful.

3). Assessing their proficiency: Once you’ve discussed the nature of your deal with a couple of lawyers, you will be able to have an idea of their experience and know-how and you can decide accordingly.

4). Professionalism: This may sound a little off beat but it’s important that the lawyer spends time in listening to your preferences. His professionalism will give a hint of the extent of a helping hand he could be.

5). Their Experience and Track Record: This is crucial to find out; you must ask if they have taken cases similar to yours in recent past. Try to find out about the lawyer’s reputation and track record before you commit to them.

Hiring a lawyer may be costly; however, not hiring one can result in even costlier mistakes. Do not take any risks, especially when your property is your lifelong saving.

Purchasing Wisely: Planning for your Campers This Summer

As Dan Zenkel’s article, “Tips for Running a Better Summer Camp Business,” published on the American Camp Association (ACA) website succinctly points out, the “same talents and skills required to run a business—focus, persistence, attention and intelligence—are also required to run a quality summer program.” Despite any noble intention held within the camp’s charter and day-to-day focus, it remains necessary to operate well as a business, first and foremost, in order to be able to accomplish the institution’s ultimate mission.

An Outline of Suggested Evaluations

Zendek suggests all owners periodically evaluate four categories of camp operation, some of which may or may not be applicable to certain types of camps, such as summer Bible schools or other nontraditional camp organizations. These four classifications that make up overall camp management include:

  • Revenue
  • Operating Expenses
  • Facility Management and
  • Miscellaneous.

Obviously, wise purchase decisions are most often made when conducting tasks within the Operating Expenses category, although significant savings can also be obtained when judiciously using a careful and long-term approach to facilities’ management.

Minimize Operating Expenses

Zendek’s experience in camp operations is obvious as he relates a number of basic ways to minimize operating expenses without negatively influencing the quality of a camp’s daily operations. His recommendations include:

· Correctly Targeting Areas in Which to Save

Zendek’s article reminds camp directors to save money where it counts in order to reserve funds for more important things like the continued employment and reward of valued employees. For instance, comparison-shopping among companies for personal care products for restrooms is an easy way to decrease unnecessary expenditures.

Providing campers’ parents with a list of items to bring for personal use can decrease some of this expense, but antibacterial soaps and cleaning supplies in common areas will always remain the responsibility of the camp.

· Accounting & Tracking of All Expenditures

Weekly and yearly evaluations of where camp dollars go can help plug unnecessary leaks and suggest activities that may require a determination of whether to continue them in light of growing costs or putting inventory-control procedures in place to minimize losses.

· Remain Aware of Prices

As in our private homes and lives, we often become inured to the cost of certain utilities or services. Often, only when we review expenses over a longer period of time do we become aware of rising costs without any increase in service.

Zendek recommends comparison shopping for all utilities and supplies in order to purchase the best program or system for the specific camp. In addition to contacting various providers of cell phone services, for instance, the author recommends utilizing bidding systems when possible and appropriate.

· Special Situations: Traditional Camp Laundry Expenditures, Real Estate Abatement Issues & Food Costs

Finally, there are situations unique to the traditional camp experience and operation where significant savings can be recognized. Zendek reviews traditional camp laundry expenditures and options for such, real estate abatement options and issues regarding food procurement and preparation as a means to save costs.

Saving money on unnecessary expenditures reflects the state of mind and careful attention also necessary to provide an optimal experience for campers. Explore more options from the ACA.

Life as an Expat in Tunisia: Living the Arab Spring

Tunisia is a mere squiggle of a country in northernmost Africa bordered by Algeria to the west and southwest, the Mediterranean Sea to the north and Libya to the east and southeast. The country has become a popular destination for expats of every country despite recent political protests for democracy throughout Arab countries known as the Arab Spring. The smallest of North African countries, the Republic of Tunisia is home to almost 11 million citizens, most of whom reside in the capital city of Tunis on the northern coast.

U.S. Embassy Recommendations

The U.S. Embassy has a number of recommendations for American citizens residing in Tunisia on both a temporary and a permanent basis. The first is a strongly worded encouragement for all Americans to register their planned travel with the U.S. Embassy in Tunis. This registration can be conducted prior to entry into the country via the online Travel Registration Form or in person at the Embassy after arrival. However, it’s worth pointing out that seasoned travelers throughout Africa and Middle Eastern countries often insist that Tunisia is a safer, more tolerant country than other Arab nations more politically associated with the U.S,

In addition to this safety precaution in the event of civil unrest or an international incident, the Embassy also advises all tourists, long-term travelers and expat residents to have a valid expat health insurance policy in the event of illness or injury. This recommendation remains even if an individual reports medical and health insurance coverage in the U.S. via their work or as a dependent remaining upon their parents’ insurance policy.

Reasons for an Expat Residence in Tunisia: Getting In

An increased number of American citizens are now living in Tunisia, prompting the country’s U.S. Embassy to publish an informative guide for American citizens residing in the country and those considering a residence there. According to a booklet published by the U.S. Embassy in Tunis and available online, Americans with U.S. passports are not required to obtain a visa if their planned stay is four months or less. If they plan to stay longer, Tunisian residency visas are issued by the central police station in the district in which the U.S. citizen resides.

Thus, in comparison with other countries, the ability to reside at will in Tunisia is superior to that of most Asian countries that require employment and a specific employer-based visa issued prior to entrance into the country for anything beyond a specified period of time considered as tourist-related.

Reasons for an Expat Residence in Tunisia: Staying There

In addition to the relative ease with which a U.S. citizen can reside in Tunisia, the cost of living in the country is considered markedly lower than within the United States. English lessons, a regular cornerstone occupation for Americans, remain an option in urban areas.

Bon Voyage

Know and follow not only the local law, but also the expected custom of Tunisia and specifically of the district where you live and work. And enjoy a little-known and scenic country.

How To Choose A Car That Will Be Cheap To Insure

Car insurance is a necessity, but monthly coverage can be expensive, particularly if you make the mistake of purchasing an automobile that requires a costly insurance plan. Here are some tips to help you choose a car that you will be able to affordably insure.

Cars That Are Expensive To Repair Are Expensive To Insure

High-end luxury automobiles are some of the most expensive vehicles to insure because they are expensive to repair. If you experience a problem with a high-performance vehicle or you get into a collision, your insurance company would need to pay for pricey, imported parts in order for a mechanic to make any necessary repairs. Cars with affordable, readily available parts will therefore be cheaper to insure.

The Higher The Horsepower, The Higher Your Insurance Bill

Generally speaking the higher the horsepower in a car’s engine, the more that car will cost to insure. You do not need a great deal of engine power in order to commute or go to the grocery store. Insurance companies worry that a high power vehicle will encourage reckless driving behaviors, such as speeding. While many high-performance car drivers are perfectly responsible while on the road, if you are looking to save money on your insurance, you will want to avoid high-performance vehicles. For an affordable monthly insurance policy, avoid purchasing a car with excessive engine power.

car for cheap insurance

Consider Getting Insurance Estimates Before Your Car Purchase

While guidelines can help you make an informed decision about which car to purchase, the only way you will know for certain how much a vehicle will cost to insure is to get an insurance estimate. Once you have picked out a couple vehicle models, get insurance estimates for these cars. Check with your existing insurance company, but also use this time to look around for cheaper rates. Once you get your estimates, you will know for sure how much a certain car will actually cost to insure. Avoid unpleasant insurance cost surprises by pricing out insurance before you make your final pick.

Look For Other Ways To Save On Insurance

Even if you purchase a safe, reliable car, your insurance could still cost more than you can really afford to pay. Remember that there are other ways to save on car insurance other than buying the right car. Ask your car insurance agent if you quality for any additional discounts. Students, good drivers, and homeowners often qualify for additional car insurance discounts that could reduce your monthly payment and make insuring your car a bit more affordable. If you follow these tips, you will save plenty of money each month on your car insurance policy.

About the author

Miles Walker is a freelance blogger who usually writes about getting the best car insurance comparison over at Car Insurance Comparison .org. His recent review looked at where to get an excellent car insurance quote.

Germany is a country with variety that should be explored. Visit all the tourist highlights, but add some more unusual excursions too. With germany car hire it is easy and cheap.

What is Accident Life Insurance?

What is a life insurance case, you ask? Life insurance accident, sometimes called “accidental” life insurance “accidental death” insurance, or “accidental death and dismemberment” insurance (which is partly a health / disability insurance) may be a rider on your current policy, which has special terms of payment in the case of sudden death due to impossible to predict. Typically, in addition to payment of the nominal amount of the policy that would be paid if the insured died from natural causes such as old age or illness contracted after the policy was in force. This payment is typically 1.5x or 2x the death benefit on the main policy.

 

The insurance industry defines accidental death as “any death precisely because of the accident.” Yes, death due to war, death as illegal activities such as drug trafficking and getting shot or death, resulting from the individual activities are considered inherently dangerous, like Shark Cage Diving will not be taken into account. Aviation accidents, car accidents, and these days can even terrorist attacks will be covered.

 

Typically, this will result in the rider after a certain age, usually 70 years. But often, these players will pay if the insured dies for some time after the accident occurs – usually the last year – as long as you can prove that the death was directly caused by the accident.

 

But the case of life insurance can also be purchased on a temporary basis if you are going on a journey. Especially with a variety of vacation packages you can find life insurance cases, which can be purchased as part of the total price. Perhaps this dive, you will be on a ski trip, you will be on the trans-oceanic flight or a cruise, you may decide that you would love to scope out the wolves in the province of Saskatchewan, maybe even go on a two-week trip by car. If you do not have a life insurance policy with a rider, you can buy a temporary accident insurance to cover the risk (and you may want to buy temporary insurance anyway).

 

Sometimes these policies also cover you financially in the event of accidents caused the death of a spouse or child on the same trip with you.

 

It might be wise to check out the  accident death life insurance , if you intend to travel, such as those listed. But if you already have a good amount of life insurance you probably do not need it. And as for the accidental death of the driver – it has no practical significance, since life insurance is to cover premature death. Most policies already pay for accidental death, not the extra amount. Usually accidental death riders just peace of mind. They are very cheap because they usually do not pay, but you’re still paying the extra money.

Seven Things You Never Knew About Student Loans

Student-Loan-ConsolidationThe cost of attending college has risen faster than our country’s inflation rate, and it has been that way for quite awhile. So, it comes as no surprise that many students borrow money to pay for higher education. Unfortunately, a majority of college graduates will also owe a lot on their student loans.
Here are seven things you never knew about student loans:

1)Youth Is No Excuse for Failure to Pay on a Loan:How young college graduates manages their student loan is very critical to the status of their personal credit. Non-payment of a student loan is a poor way to start your credit history, as this will show up on future credit reports and could jeopardize you receiving any type of loan in the near future. To stay out of trouble, call your lender if you cannot make your monthly student loan payment.

2) You Cannot Declare Bankrupt:Since 1977, the federal government has banned the use of bankruptcy as last resort for student loan debt. Legislators fear hardship is being indirectly placed upon the private lending community. Others urge for a change in the current law that would assist private student loan borrowers to have some sort of liability to protect them from lenders.

3) Shop for a Good Student Loan:The price of tuition should be an important part on where you will attend college, as many students are turning toward private lending intuitions. We have seen a large increase on private student loans being administered without any involvement from the school. This loan’s interest rate can range from 5-to-15 percent with no limits on the amount of fees and penalties administered.

4) Students Can No Longer Receive Subsidized Loans:There’s a little-known provision in the Budget Control Act of 2011, which eliminates subsidizing loans for graduate students. But, they can receive an unsubsidized loan; unfortunately the interest rate will accrue over the length of time in school.

5) Loan Forgiveness:
If a student becomes a volunteer for such groups as AmeriCorps, the Peace Corp or entering the military, then their student loan might be cancelled. Contact your university for more information.

6) Multiple Options for Rate Reductions:
If you enrol with your bank to have your student loan payment auto-withdrawal each month, then you’re eligible for a rate reduction over the life of the loan. Lenders tend to offer incentives to those that pay their student loans on time with a possible reduction of the principal.

7) Do Your Own Research on Student Loans:If you think you need a student loan, then do your homework and ask plenty of questions before settling on a specific loan. Your local department of education and the school’s financial aid office are good resources, but never depend on them for choosing the right loan or lender for you.

Author Bio: Amy Lawson is a content writer. She is a parent of two kids. Her interests are Films, Travel & Technology and Eco Living. She is a professional blogger from London and have written many articles on Entertainment, Finance and Health categories. Now she is doing research on child tax credit helpline, working tax credits contact etc.

8 Excellent Strategies to Save on Your Life Insurance Premium

We are all looking for new ways to save on the myriad of bills which eat into our income each month – but what do you cut back on? Do you buy the cheaper toilet paper, do you start catching the bus to work or do you cut the kids’ hair yourself? Before you look at your life insurance as just another bill you can’t afford each month, why not raise the following points at the next family meeting, because there are some excellent ways you can make your insurance premiums more affordable.

1 – Change your insurer

There are hundreds of different options available to you when take out a life insurance policy, and these options continue to change once you’ve made a decision too. Therefore, if your policy premiums are getting too expensive, start comparing other life insurance quotes and policies out there.

Luckily you’re not the only one looking for a better deal, and there are a number of ways you can quickly and easily compare the hundreds of policies available in Australia, all in one place. For example, Life Insurance Finder offers you clear and detailed comparison tables where you can view features, fees and premiums of the policies which best suit your needs, before jumping to a review to find out more, or apply. If you are not happy with the service and prices from your current life insurance provider then you have to vote with your feet and find a company who is willing to work with your situation.

2 – Reduce your cover amount

You don’t need to put your family at risk of financial stress if you were to die by cutting back your cover, but you simply need to look at what you’re really paying for, and whether you really need to be paying for the full amount. Take a look at your assets and your liabilities and work out how much your family would really need to live on. It is possible your cover amount is more than you need thanks to an overzealous salesperson, or your needs have now changed because you’ve paid off your mortgage for example.

3 – Reduce the term of your policy

If you took out life insurance some time ago, look at what your financial needs are now. For example, you may have taken out a term life insurance policy which would see you through to 85, but if you’re now approaching retirement and you’ve made some good investments and have a healthy nest egg which you’re unlikely to run through before you die, will that be enough for your family to live on when you die, and can you cut back on the life insurance policy from here on in?

4 – Switch to a term plan

If you have a permanent plan, or whole of life, insurance policy, you can reduce your premiums by switching to a term life insurance plan. Just make sure that the switch will be worth your while, because you may not see as much benefit if you have been paying your permanent plan for many years.

save money on life insurance premium

5 – Cancel additional options

When you take out a life insurance policy you can be swept up in all of the extras, but if you need to save on your premiums then look for ways you can cut out those additional options you don’t need. This is why it is so important to regularly assess your situation and your life insurance policy because as your life changes, so too do your insurance needs, and when you pare down your policy to what you really need, it can turn out you can afford it.

6 – Weigh in

You can also reduce your premiums by reducing your level of risk, for example if you are overweight, then you will be paying higher premiums. However, if you are able to change your lifestyle then you present less of a risk, and there is less chance you’ll cash in your life insurance policy early; and don’t worry if you’ve made a lifestyle change since applying for your policy because you can contact your insurer and be reassessed.

7 – Stop smoking

In the same way you are a high risk to an insurance company if you are overweight, the same is true if you are a smoker. Therefore, try and kick the habit and you’ll save on your insurance, you’ll be able to save the money you were spending on cigarettes, and you’ll save your life. You will usually have to wait 12 months before being reassessed once you’ve quit smoking.

8 – Curb your drinking

Your body reacts to alcohol as though it were a poison you had ingested, so it is no wonder there are so many health risks associated with excessive drinking. To reduce your level of risk and your life insurance premiums, cut back your intake and you’ll not only feel better, you’ll save on your premiums and at the bottle shop.

About the author

Kristy Ramirez writes for Life Insurance Finder where she helps people to compare life insurance quotes and select the best policy to meet their needs at the best possible price.

Business Insurance Apply online for a commercial insurance quote from Cornhill Direct Business

Wedding Bells on a Budget: Have Your Cake & Eat It Too

Weddings are one of the most joyous occasions we can experience. But it’s estimated that the typical American wedding costs are $24,000, with most couples spending anywhere from $18,000 to $30,000 on their big day. Beside making a checklist and creating a budget, here are 9 ideas to help keep nuptial expenses down.

1. Cut the Guest List

Did you know that the average number of guests at a wedding is 157? With meals costing approximately $40-$50 per person, you may need to slash the guest list. The most diplomatic way to do this without hurting anyone’s feelings is to determine how many guests you can afford to invite, look at the number of people in your immediate family, and extend outward in familial “rings.”

First consider how many parents and stepparents are on your list, and then count the number of grandparents, siblings and spouses. If you can accommodate more individuals, look at close friends, aunts and uncles or perhaps first cousins.

2. Buy Your Dress Off the Rack

Of course the dresses in the bridal magazines look spectacular, but there are plenty of discount wedding stores that sell stunning yet inexpensive gowns off the rack. With a number of bridal stores going under due to the economy, walking out of the store with your dress rather than waiting months for it to arrive via special order also gives you the security of knowing the dress is safely in your closet.

3. Ease Up on the Alcohol

Weddings are about celebrating your happy day, not about an open bar that’s loaded with liquor. Cut out one of the biggest costs of your reception by limiting your alcohol options to wine and beer. If wine and champagne will be served during the meal, feel free to close up the bar once the main course is served.

4. Look for Hidden Costs

Many brides-to-be are shocked to discover that some venues charge a “cake cutting fee” for every slice of wedding cake that’s cut, a “wine and champagne corkage fee” for every bottle opened, and even a coffee-serving surcharge. Negotiate with your reception provider to have these silly fees removed.

wedding on a budget

5. Consider a Hotel

If you are lucky enough to live in an area where the weather is lovely year-round you may want to consider an outdoor wedding. But if you live in a city that periodically experiences inclement weather, consider moving your wedding and reception at a hotel. Holding your ceremony and reception at one location eliminates the need to rent limousines and rush from one spot to the next.

Hotels that offer amenities such as a pool, on-site restaurants, nearby shopping or free transportation to and from the airport can make your nuptials convenient for out-of-town guests. As an added bonus, many properties give the bride and groom a complimentary stay in their honeymoon suite following the wedding festivities.

6. Consider a Morning Wedding

Evening weddings usually cost more due to the expense of the meal. Price out more affordable options such as a breakfast, brunch or late-afternoon receptions where you can serve lighter meals, fresh fruit and sweets, crudités or hors d’œuvres with wine or champagne.

7. Get Married Any Day Except Saturday

Saturday is the most popular day of the week to marry and often the busiest for churches, wedding halls, photographers, bakeries and hotels. Studies have shown that the most expensive time to get married is at 7 p.m. on a Saturday night. Because Saturday prices are so high, booking your wedding on any other day will be a bargain.

8. Let Bridesmaids Select Their Own Dresses

When it comes to cutting costs, consider your wedding party. Why force your girlfriends to spend hundreds of dollars on dresses they’ll never wear again? Make your wedding day a special occasion for your bridesmaids by providing general color and dress guidelines and then let each woman select a gown that she can afford and will be able to wear afterwards.

9. Choose Flowers that are In Season

Flowers are an instrumental part of most weddings but there’s no need to break the bank by purchasing elaborate and pricey bouquets. Come up with a budget for flowers and rely on your florist’s expertise to help you select affordable seasonal blooms. Load up on greens and baby’s breath so that your bouquets aren’t as costly and ask your florist to recommend reasonably priced arrangements.

Your wedding day should be everything you’ve dreamed of. But remember that you can still have a wonderful marriage ceremony and reception without breaking the bank. Spend more on items with real sentimental value, which will become keepsakes or heirlooms.  Be frugal with things (like food) that are gone in an instant so you won’t come away bogged down with years of debt for a 4-5 hour event.

About the author

Evelyn Chambers is a wedding planner and part-time blogger, who loves unique gifts and cards like the handmade wedding cards from Lotus Art Studio

If you are not sure on how to write a will, get advice from the experts at Will Writers Online. Our fully trained will writers and online will generating tool will help you to compose your will in a matter of minutes.

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