Wednesday, September 28, 2016

Do You Need Wedding Insurance

Nobody wants to imagine anything going wrong on their wedding day.  It is always sunny and goes off without a hitch when you are running it through in your mind.

But, what if on the morning of your wedding did you wake up to a thunderstorm that knocks the power out to the church?  That beautiful old church that is full of the dark wood and the stain glass windows?  Might be alittle dark (even with candles) to hold a wedding there.  Panic mode would sends you scrambling.  Does the reception venue have space for the wedding?  They sure do, but now there are more costs, costs to reset the room, twice, chairs, arches, etc... How would you pay for it?  What if the power was also out at the bakery and your cake was ruined, needed a new one at last minute, twice the price?

This is where wedding insurance could help you out, sure you would probably have to pay out of pocket the day of but you would be reimbursed.

How Much Would You Need?

Coverage amounts are set based on alot of factors.  Cost of the wedding, location, amount of insurance that our vendors and venues already carry.  The conversations you would need to have would be with your vendors and your insurance agent.

Ask vendors are they covered to reimburse you if they, at the last minute are unable to provide their service?  Read the contracts carefully.

Ask you agent, what would be covered, there is a good chance that you will supplemental riders for things such as photography and video (these are are the where they might give you a re-do if your pictures, negatives are damaged.)

Other supplemental polices could be purchased to cover jewelry, and personal liability.

How Much Will it Cost me?

Be prepared to budget for $500 for basic coverage, if you are looking to include photos, video, jewelry and your honeymoon it could be closer to $1,500.  Using your insurance agent could help you defer costs with bundling with current policies.

What Else to Know.

Wedding insurance doesn't cover a broken heart.  If the wedding is called off, it will on cover the cost of dresses, deposits or ice cream.

Engagement rings will likely need to covered under a different policy (ask about homeowners or renters.)

Now let's go back to our happy, sunny place and imagine this day going exactly as planned!

Happy Planning


Wednesday, March 2, 2016

Everything you Want (and Need) to know about Save the Dates

Save the dates have become really popular over the past couple of years, they have become a great way to communicate information about the big day, the where, and when so they can get ready for it.  But, sometimes they are alittle over the top.  There was time in the early 90's where people were sending out magnets with their pictures on them, when and how would you get rid of that?  I thought that alittle guide to help.

Who gets them?  Ideally you would send one to everyone on your guest list.   I know it seems like alot, so you can pair down the mailed to out of town guests, immediate family and the bridal party.   Before you ask, yes those need to be mailed.  A digital version can be emailed out, posted to your wedding website and wedding Facebook page.

What information should it contain?  When and where the wedding will be.  You should also include hotel information, and your wedding website.  Please fight the urge to write 'Invitations to Follow' on the bottom.

When should they be sent?  4-6 months before the wedding

Now let's talk alittle bit about design.

These can be as simple as a photo card from the drug store, with your information printed by your engagement party to as extravagant as handmade and homewritten.  They should be in your style. Because they are going out so far before the wedding they don't necessarily need to fit in with your theme.  That being said it is also a good way to establish theme.

I hope this helps.

Happy Planning!


Wednesday, February 17, 2016

Breaking Down Your Budget

A couple weeks ago we talked about how to start the conversations regarding your Wedding and it's budget.  Now it's time to dig alittle deeper into the budget and put some real numbers into your budget.  I've broken down the major categories and given you some numbers to go with those categories, as well what they categories represent, and the best way to save some money in those categories.  All the figures  come from a great article on The Knot, click on the link for more information.

Let's start with this figure.  The average Wedding in 2015 cost $31,213.  Let that sink in.

Reception. 48 - 50 % of your budget, $14,982 - $15,606 in 2015 dollars.

This is your biggest expense.  This includes:

  • Food, including appetizers, dinner, cake, and midnight snack
  • Venue Rental
  • Open Bar
Influencing Factors:  size of your guest list, serving style (sit down, stations, family style)
Where to save $$: consider dropping or down sizing the midnight snack, close the open bar an opt for wine service only during dinner

Photo/Video.  10-12% of your budget, $3,121- $3,745 in 2015 money.
  • Photographer
  • Videographer
  • Photo Booth for Reception
Influencing Factors:  the number of hours both are on site, photo package
Where to save $$: don't skimp here, if you need to skip the photo booth

Flowers.  8-10 % of your budget, $2,497 - $3,121 in 2015 money.
  • Ceremony Flowers
  • Reception Flowers (Centerpieces)
  • Family Flowers 
  • Wedding Party Flowers
  • Brides Bouquets (one to carry, one to throw)
  • Pew Bows, pew decorations
Influencing Factors:  size of wedding party, amount of flowers
Ways to save $$: limit who in the family gets flowers, stick with immediate; re-use ceremony flowers as decorations at the reception, consider making your own pew bows

Attire:  8-10 % of your budget, $2,497 - $3,121 in 2015 money.
  • Brides Dress(es)
  • Groom's Clothing
Influencing Factors: theme of dress(es)
Where to save $$:  consider only have one dress (think removable train), rent all the tuxes from one place, typically the Groom's will be free

Entertainment.  8-10 % of your budget, $2,497 - $3,121 in 2015 money.

This mainly just covers your DJ or band.  Unless of course you are planning on having a clown at your reception.  

Influencing Factors:  length of the reception, how long you will have them play
Where to save $$: Provide your own music (think Ipod) during the cocktail hour and dinner

Transportation.  2-3% of your budget, $624-$936 in 2015 money.
  • limo, to the venue, from the venue to the hotel
Influencing Factors:  size of limo, party bus needed
Where to save $$: see if the hotel has a shuttle to pick the wedding party up 

Ceremony.  2-3% of your budget, $624 - $936 in 2015 money.

The most important part has one of the smallest budget lines.  This will include the donation that the church will require.  If you are getting married at the same venue you are holding the reception the there should not more that a minimal cost, if any.

Miscellaneous.  8-10 % of your budget, $2,497 - $3,121 in 2015 money.
  • Wedding Party Gifts
  • Stationary: Invitations, programs, Thank you notes, postage
  • Rings
  • Licenses
  • Hotel welcome bags
  • Favors
Influencing Factors: Quality of stationary, size of Wedding party
Where to save $$: only send save the date cards to out of town guests, put the welcome bags together yourself

Of course these are all just averages, you may choose to save alittle money here, spending alittle more over there.  Over the coming months we will dig even deeper into all these categories and help you decide where you want to spend and where you want to save.

Please feel free to reach out with any questions -

Happy Planning!