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Crunching Dollars and Planning Weddings: How to Financially Plan for the Big Day

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(BPT) – Attending most weddings, with the exception of your creepy uncle’s third marriage, is great. You eat free food, get to dance to music and leave without having to take part in the cleanup or the costs.

It gets a little different when you’re the one footing the bill. Then you’re confronted with 127 different invitation styles, a guest list that keeps growing and awkward phone calls to cousins to tell them they can’t bring their bratty 7-year old twins.

Falling in love might have been easy and making the decision to spend the rest of your life together was probably a no-brainer. However, celebrating your love and funneling all that joy into one beautiful ceremony and one memorable party is where things get a little more complicated.

As a leader in creating credit scoring models and educating consumers on credit, VantageScore Solutions shares how important it is for couples to agree on how to manage their finances.

So let’s get into it and look at some of the financial topics you and your partner should go over.

Paying for your wedding

No doubt how to pay for your dream wedding will be one of the first conversations you’ll have with your loved one. Some people have months, sometimes even more than a year to plan and save up for the big day. Other times you may need to make a deposit or pay for something upfront and you might not have the cash to do it.

This is when you reach for your credit card.

Even if you don’t plan to use a credit card, it’s more than likely you’ll have to put some things on credit. This might include just about anything you purchase online, from the cute decorations you find on Etsy or novelty gifts you find on Amazon. In addition, many venues require you to have a credit card on file.

The point is, it’s likely that at some point you’ll use credit to pay for your wedding. When you do this, both you and your partner need to be aware of the potential perils of racking up debt. Provided you can responsibly manage the debt and have a plan to do so, your credit score won’t decline, which can lead to more purchasing opportunities in the future.

But first, you need to talk about credit with your partner.

The talk

Talking about credit might not exactly be a champagne and strawberries moment, but it is probably one of the most important discussions you can have.

Because it might be hard to get started on this topic, many couples find it’s easier to start by taking The Credit Score Quiz. This 12-question quiz is easy to take and can do a lot to reveal the knowledge gaps you and your partner may need to fill.

While the quiz is a great way to get started, resources like The Score, a monthly newsletter from VantageScore Solutions that covers all things credit, can help you continue on your conversation and guide you on your journey.

So while you’re debating what shade of off-white is right for your invitations, take the time to talk and use these credit-related resources. After the big day has come and gone, you’ll be glad that together, both of you were smart about your finances.

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Entertainment

One-of-a-Kind Gift Ideas You Can Use this Valentine’s Day

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Valentine’s Day is coming up, which means you’ll have to start looking for a gift soon.  Let Globe myBusiness, the micro, small, and medium enterprise arm of Globe Telecom, introduce you to some great ideas which you can use to wow your significant other.

This year, make Valentine’s Day one to remember when you treat your partner to:

A perfect combination

Those “His” and “Hers” items you find in department stores may seem cheesy to some, but there are more than a few products that are actually quite witty and useful, while at the same time very sweet. With a range that goes from pillows to towels to jewelry to clothing, there are more than a few ways to express your love!

A personalized keepsake

What could be more special than a gift that’s made for your partner alone? Personalized items have become such a hit that you’ll be sure to find names or initials on a multitude of items in just about any mall or shopping center. Make him or her feel one of a kind with something that’s undoubtedly theirs – just like you!

Try:

A handmade project

Nothing says “you mean a lot to me” like something you created with your own hands. This kind of gift adds the benefits of something personalized as well: not only is it unique, but it’s tailor-fit to what your partner needs and guaranteed to be useful and appreciated. Most of all, it shows you not only know your partner very well, but also care about what he or she needs.

Try:

A gift that keeps on giving

Who says gifts can only be useful once? For the practical partner, even the most unusual “gift” can be romantic if it can be utilized for long. Splurge on something your partner needs around the house, or get them something they’ve always wanted. Not only will they be very grateful, they’ll also be sure to remember you each time they use it.

A delicious feast

Who doesn’t love to eat? Valentine’s Day counts as the ultimate date night. Turn the date itself into a gift by going somewhere extra special. Binge on delicious food, share bites and stories, and most of all relish the calm and romantic ambience that only a very good restaurant has to offer.

A little something for the Earth as well

All kinds of love can be (and are!) celebrated on Valentine’s Day, so extend your care to all the people who matter to both of you. Make sure you show your love for family and friends as well, and while you’re at it, why not give a little something to the Mother we all love, our own planet? You can even turn this into a project you and your partner work together on — because why not?

An experience to remember

It’s one thing to get your partner an object, but it’s a whole other thing to get him or her an experience. Do something you’ve never done as your relationship takes to new heights, and get to know each other better as you’re thrown into all kind of situations or adventures.

A chance to learn something new

If you’re a business owner and you don’t always have time outside of work, yet neither you nor your partner would pass up the chance to discover new things, why don’t you check out a workshop or activity you’ve never tried before? More than just the introduction to what could be a new hobby, it would also be a great bonding opportunity for you two.

Valentine’s Day should be a special occasion simply because it’s there for you to celebrate the most special people. Don’t let it go to waste by giving your partner exactly what he or she deserves — the best!

Globe myBusiness provides digital solutions to local entrepreneurs to help them grow their business.  Follow Globe myBusiness’ Facebook Page at https://www.facebook.com/globemybusiness/  and check out our wonderful surprises for Valentine’s Day!

 

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Lifestyle

5 Places You Can Visit to Make Valentine’s Day More Special

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There are lots of places where you can spend Valentine’s Day but making it more special means finding venues with unique offers that help create new and memorable experiences.

Lucky for you, Globe myBusiness, the micro, small, and medium-enterprise arm of Globe Telecom, has compiled a list of special places you should visit to make sure your day of hearts will be one for the books:

Spa and Wellness Centers

Relaxation is at its finest in spas and wellness centers. These places offer different ways to de-stress, perfect for Valentine’s Day.

Among the things you can try are massages from skillful masseurs. Coupled with aromatherapy, massages can help you feel refreshed in just a few minutes. On another note, some spas and wellness centers offer unique amenities like saunas, fish spas, jacuzzis, and hydromassage pools that are guaranteed to leave you wanting more.

Camping Sites

If you’re looking for an out-of-the-box experience on this special day of love, why not try camping and lounge on the best of what nature has to offer?

Groups of professional hikers and mountaineers are now offering this experience in different campsites near Metro Manila. Also, some resorts take camping to the next level by offering “glamping” as one of their options for accommodation. Glamping lets you enjoy the best of nature with resort amenities.

Beachside Resorts

Beachside resorts are in high demand during summer months, but that doesn’t mean Valentine’s Day would be a bad time to enjoy the sand and sea.

In the sea, you can try kayaking, canoeing, or even island hopping for beachside resorts in places like Boracay, Alaminos, and Puerto Galera. If you want to check what’s underwater, you can try snorkeling, scuba diving, or riding glass-bottom boats. On land, you can explore different areas of a resort or schedule dinners by the seaside.

Historical Churches

Central Luzon houses some of the oldest churches in the Philippines, making it a popular spot for pilgrims and tourists alike, even on Valentine’s Day. Be it in Pampanga, Bataan, Zambales, or Tarlac, you’ll surely encounter popular churches with rich histories.

One example is the Monasterio De Tarlac, which is a monastery located at the top of Mount Resurrection that showcases a relic of the cross where Jesus Christ died. A 30-foot colossal statue of Jesus Christ also stands on top of the mountain, making it a popular destination, especially during the Holy Week.

Annual Festivals

A lot of festivals take place in the month of February and luckily, some of them are dated near Valentine’s Day!

The renowned Panagbenga Festival in Baguio City is a celebration of the city’s floral crops showcased through huge floats and artistic displays. Crowds from across the country flock to Baguio City just for this event, which this year will be held on February 24, 2018.

If you want to make an advance trip for Valentine’s Day, the Hot Air Balloon Festival in Clark, Pampanga, is a sure-fire destination for your senses as well. The festival will take place from February 8 to 11, 2018, perfect for couples and families who want to experience something that they don’t see every day.

Valentine’s Day is a day of love. Be it a date with just your partner or a group date with your whole family, taking the time off work and spending valuable time with them is an investment in itself. After all, your business is for the people who matter the most.

With these suggestions, you’ll surely have a rich and worthwhile Valentine’s Day experience that will help inspire your success in the years to come!

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Lifestyle

How to Travel on a Shoestring Budget

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Don’t let limited funds dampen your curiosity or dreams of learning more about a new place and culture this year. Check out these smart and frugal travel tips for exciting international experiences.

Be flexible with transportation. If you’re willing to take a red eye flight on a weeknight, you can probably score cheaper flights. When getting around in the city you’re visiting, consider alternative options like public transit, biking and walking over cabs and renting a car.

Look for free activities. You can find many free events and attractions if you know where to look. Do your research beforehand and you’ll be surprised at the number of free public museums, markets and festivals you can find all over the world.

Try a working holiday or internship. Exploring a new place becomes much more budget-friendly when you can work in your host country. Although getting the right visas and permits can seem daunting, you can make the process easier and cost less with International Experience Canada (IEC). This government program allows youth ages 18 to 35 to obtain work permits to travel and work abroad for up to two years in one of more than 30 partner countries and territories. It’s a great way to fund your holiday. Work permits under IEC are generally less expensive, more flexible and processed more quickly!

Eat local. Restaurants that cater to tourists often demand big bucks, so avoid having meals near tourist hotspots. Do some wandering and see where the locals eat, and don’t be afraid to shop at the grocery store for no-cook ingredients to grab for on-the-go snacks or meals you can enjoy in a local park.

Set priorities. Do you want to get tickets to a must-see show? Or maybe you need a premium seat with more legroom on the plane? Decide on the one travel element that you consider most valuable to enjoying your trip, and spend your money on that while opting for less expensive options for everything else.

www.newscanada.com

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Lifestyle

Three Ways to Upgrade Your Lifestyle This Year

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Don’t let limited funds dampen your curiosity or dreams of learning more about a new place and culture this year. Check out these smart and frugal travel tips for exciting international experiences.

Learn something new

Developing a new skill is a great first step towards self-improvement. It benefits your self-confidence and can create a feeling of achievement that builds towards bigger accomplishments. Try joining a class or following online tutorials for some DIY skills to help you improve your home, or learn essential work skills for the modern economy like social media marketing or coding.

Be adventurous and spend time abroad

Living in a foreign country for a few months or a year can broaden your outlook, help you enhance your language skills, and introduce you to people from different walks of life. Consider a working holiday, co-op or internship, or professional development abroad. You’ll gain valuable international work experience, work on teams with diverse cultural backgrounds and develop connections that strengthen your place in a global workforce—all of which can launch you into the next level in your career.

Make the most of winter

The winter months can be hard on our health, as we tend to hibernate indoors, eat more junk food and exercise less. Get out of this rut by focusing on the best the season has to offer, like skating, skiing and snowshoeing outdoors. Boost your health and beat the winter blues by getting enough vitamin D and eating nutrient-rich foods.

www.newscanada.com

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