How to Tell Your Mom You Want to Plan Your Own Wedding

Given that your mother has had many ideas about your big day more than you have, it is likely she will be very fast to take charge and start the wedding planning process. Even though you may be considering telling her to step back, it is essential to be aware that your marriage ceremony is not only special for you and your spouse, but to your mother as well. When she is paying for the wedding, you will have to cooperate more than if you were footing the wedding bills by yourself. Instead of getting defensive on who plans which part of the wedding ceremony, here are some key strategies you can make use of to help maintain the peace and avoid unnecessarily hurting your mother’s feelings.

Recognize She Is Being Genuine

It is best to attend to the issues as soon as you see the start signs of your mother wanting to run your wedding plan process. To ensure you mention it without causing a squabble, begin with acknowledging her well-meant intentions and talking about how she made plans for her wedding. But if her mum took charge of the wedding plans for her wedding, she will more likely think it’s her “right” to take charge of planning your wedding. In such a situation, you will need to gently but firmly explain to her that you want her to take a more supporting role rather than the planning the entire wedding. Explain gently to your mother about the research you have done and outline to her the good ideas regarding the style you would like for your wedding day. Then, go ahead and discuss the details with your mother.

Be tactfully honest

Be very careful with the words you use, but at the same time be honest. You do not want to say something to hurt your mother’s feelings or utter words that you will regret later. However, it is necessary that you establish the ground rule. The first rule is: you are in control of the plans.

Bring to her attention your different perspectives in aesthetics

In having a chat with your mother about your dissimilar choices in style, you will have to be in charge of the aesthetics of your big day. Your mother may like an all-white type of wedding while you would prefer something rather traditional. Instead of telling her you do not like her style choice; get her to see things your way by showing her wedding photos that have inspired you. Take time to patiently explain to her reasons as to why you want the particular style for your wedding day. One thing is certain; she will listen to you since you are including her in a collaborative and respectful manner.

Give room for her strengths to stand out

If your mother enjoys being the hostess, she will more likely know a lot about setting up a wedding day menu fit for your guests. Given that she would rather tend to a garden, she will enjoy getting involved in selecting the flowers. Select something that your mother is really good at and assign it to her to take care of that part of your wedding plans. In giving her roles that she is really good at and can manage, you will be giving her a chance to help in the planning process and at the same time, she will feel involved without her taking over the entire planning.

Practice patience

Treat the wedding planning process as a shared experience for both you and your mother. A wedding planning process is not an end-it-all type of thing, listen to the suggestions she may have before you dismissively say no.

Conclusion

Your mother has probably had ideas for your wedding day longer than you have. It is important to recognize that she has best of intentions for your big day. Right from the start, gently but firmly establish some ground rules; the first rule is you are in charge. When talking to your mother, be very careful of your word choice to avoid saying regrettable things and hurting her feelings. Assign to your mum roles that she is really good at and enjoys doing, this way she will feel involved, her strengths will stand out, and she won’t need to take over the entire wedding planning. Above all remember your big day is equally special to your mother as it is to you and your spouse, therefore, work at keeping the peace and enjoy your wedding day.

Managing personal finances

Pay day, that time of the month when everyone is practically rich. You get paid and imediately embark on a spending spree; buying all items on offer and dining in expensive restaurants. A few days or weeks later, you decide to check your bank balances only to realize that three quarters of the salary is spent; and the worse part is, you cannot account for any of the cash spent. Well, here are some of the strategies to help you avoid such situations every other month.

Live below your means

Maintaining expenses at levels lower than your salary is a way of achieving financial security. However, living below your means does not mean leading a Spartan life; you can still enjoy life while living small. Just avoid meaningless experiences such as regularly eating outside, paying for unnecessary memberships or subscribing to boring cable channels. Getting rid of such expenses that are less important frees money for other essential things.

Always have an emergency fund

Assuming your car breaks down right now, do you have the money to have it fixed at that particular time? Having extra cash for emergencies is an essential part of financial planning. Financial experts recommend that an emergency fund should cover expenses for a minimum of three months. There are many banking options to consider; pick one that best suits you and begins saving at least 10% of your monthly salary. When choosing a savings plan, always avoid saving in stock markets because of the risks involved; instead, maintain the cash as a liquid investment for easy retrieving during an emergency.

Draft a budget

Just because you have a few bucks does not means that you can purchase every item on offer. Most people fail at managing their money because of the desire to own everything. Therefore, having a budget will help in planning on the amount to spend, and save. A budget is essential in tracking spending; hence, if you do not have it, this is the right time to create one.

Start early

Developing a saving habit early in life is vital in ensuring financial security during retirement. Starting an early saving plan guarantees high interest. Saving for retirement needs to begin as soon as one gets a job, thus, if you have not begun your journey to retirement, now is the time. It is never too late to begin; however, as soon the journey starts, concentrate on increasing the savings as much as possible.

Four smart places to invest your money

The financial market and the economy are now entering a new phase, full of new risks and opportunities for investors. It is evident enough that unemployment levels are declining and there is hope that inflation will start to pick up. As it is with economic transitions, this moment of change is creating new opportunities in the financial markets: the landscape is shifting and investors need to come up with smart ways to invest their money. Where should you invest your money? Here are the four areas you may consider:

Inflation-Protected Bonds (I-Bonds)

Inflation denies you the opportunity to reap from your investment in traditional fixed-income securities. This is because the money you earn through interest is not worth as it was during the initial investment. This phenomenon has prompted some financial institutions to come up with products which shield your investment from inflation. Treasury Inflation-Protected Securities (TIPS) are one way to go about this. TIPS come at fixed interest rates but the principal may fluctuate. You can also purchase I-bonds which are some form of savings bonds whose interest rates fluctuate while the principal remains constant.

Commodities

As the global economy recovers from the recession, the fear of deflation has been replaced with concerns about possible inflation. For some time now, the price of commodities such as oil, gold, land packages and agricultural products have been on an upsurge. Most businesses have not been able to pass down the high costs down to the consumer but there is a likelihood that all this will change. While some experts rule out the possibility of inflation being a major problem, you should not throw caution to the wind. Inflation cannot be ignored. Real assets such as commodities could provide protection for your investments in an inflationary environment. However, rather than trying to invest in the next ‘hot’ commodity, tap into an extended exchange-traded fund or a mutual fund and invest in a range of different commodities.

Municipal bonds

The municipal bond market is attracting more investors by the day. Most issuers are able to repay their obligations without any problem and the returns are good; a 10-year bond may yield about 4 % interest. The secret to success is simple: learn to protect yourself from weak issues.

Australian Dollars

Steve Persky, managing partner of the Dalton Investments was quoted saying, ‘One way to hedge it is with the Australian dollar.’ True enough, the Australian economy was unscathed by the global recession. It did not fall victim to the credit pressure, which faced much of Europe and the USA. So, if you want to invest, you now know where to put your money.

As is evident, there are many places in which you can invest your money. Keep in mind to involve a financial advisor to guide you. Share this content with your friends on Facebook, Twitter, Instagram and other social media platforms.