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Pregnancy

Talk about every stage of pregnancy, from early symptoms to preparing for birth.

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Original poster

had no idea where to post this but hopefully someone can help?

22 replies

mrsR1991 · 25/03/2013 12:16

It's probably a long shot but is there anywhere that do no interest or very low interest loans?? My partner and i have been engaged for over 3 years and really want to get married. We don't want a big wedding so would only need between £3000-£5000

OP posts:

Dannilion · 25/03/2013 13:15

Getting a loan to get married doesn't make sense to me. If you can't afford to save the money then how can you afford to pay the loan back?

mrsbungle · 25/03/2013 13:17

A 0% credit card?

ExpatAl · 25/03/2013 13:34

If you're skint a 5000 wedding is nuts.

Original poster

mrsR1991 · 25/03/2013 13:46

i never said we couldn't afford it or that we were skint i just asked if anywhere did low interest or no interest loans. the reason being the interest is usually a joke and we want to take a loan out for it as want to get married next yr and don't have the money right now as have a 1 yr old and second baby due in august but we can pay it back we have enough to do it that way. there's no need to be nasty about it guys

OP posts:

Original poster

mrsR1991 · 25/03/2013 13:46

and £5000 is very cheap for a wedding considering all my friends have spent over £10,000 on theres!

OP posts:

ladymia · 25/03/2013 13:47

Taking a loan out for a wedding is just daft, sorry.

mrsbungle · 25/03/2013 13:49

I wasn't nasty! I would have thought that if you want 0% then a credit card would be your best option. Or look on comparethemarket.com or some such place.

Original poster

mrsR1991 · 25/03/2013 13:49

i don't see how it is daft when if we save for it it would take years whereas if we take out a loan we can get married next yr and pay it back in installments? i know a lot of people who do it

OP posts:

Original poster

mrsR1991 · 25/03/2013 13:50

and mrsbungle you weren't nasty no. thanks for your comment xx

OP posts:

ladymia · 25/03/2013 13:51

It's my personal opinion.

Anyways, I am not even sure why this is in the pregnancy section so not going to debate further on it.

polkadotsrock · 25/03/2013 13:52

Perhaps speak to the other people you know who did it and see what they did, where they got the loan etc?

mrsbungle · 25/03/2013 13:52

If you can afford a loan or credit card, I do not see the problem. We had a loan for our wedding. Could easily afford it and paid it off no problem. Like you said, OP, we wanted to get married and didn;t want to save for years. We had a good loan rate with our bank (Co-Operative).

Dannilion · 25/03/2013 13:52

No-one is being nasty. Obviously if you need to take out a loan to pay for something unnecessary then that would suggest to complete strangers on the Internet that you can't afford it. And getting something incredibly overpriced that you can't afford and don't need on credit is a bad idea. Sorry.

Our local registry office marries people for £45. Bargain.

polkadotsrock · 25/03/2013 13:54

God is it really that cheap? When u get married outside of there it's much more than that to get a registrar!! I feel robbed!

ExpatAl · 25/03/2013 13:56

A loan for a wedding really is daft. 5000 is nuts if you can't afford it and to spend that money on a wedding when you will have two 2 teeny children - surely there are better things. Just have a small lovely cosy wedding.

bluer · 25/03/2013 13:57

There's a wedding section over on the fun and games section...there seems to be lots of great budget ideas there! You should honestly try to spend as little as possible if money is tight, it's your special day but it's over so quickly! We went on a budget and had a great day and I could live with what we spent! We could have spent much more but I'd rather have the savings, and as it turns out now I can afford a year off work and then part time work till my baby starts school which I think is more important than one day.

MrsSpagBol · 25/03/2013 13:58

Guys OP is not asking you wheher or not it is a good idea to get a loan or not, she is asking where to get one

Dannilion · 25/03/2013 13:59

Yep. And my dress cost £30 on ebay. Weddings are daylight robbery for those who want to keep up with the Jones's.

Original poster

mrsR1991 · 25/03/2013 14:06

it would be up to £5000 to include a honeymoon afterwards i wouldn't blow the whole lot on just the wedding day. we want a small wedding but when i say small i mean registry office and somewhere after for a buffet and party but my partners family is very big and we are close to everyone so food etc will make it more expensive. to whoever said they didn't know why i posted in this section it says on my title i didn't know where to post it but hopefully someone could help anyway so that answers your question. some of you were nasty by saying i was daft n that its pointless taking a loan out for something pointless well it isn't pointless to me as i don't have a family so this is my chance to be part of one properly and legally. i was just after a bit of advice as all my friends took loans pit with the bank and had high interest rates. to the people who werent nasty but actually gave me advice, thanks and i will look into it

OP posts:

Original poster

mrsR1991 · 25/03/2013 14:08

mrsspagbol thank ypu for backing me up :)

OP posts:

birdofthenorth · 25/03/2013 14:19

Credit Unions are by far the least expensive, most responsible and least risky way to borrow money, but you need to be a member (most cost between £1 and £5 to join) and often to have paid a bit in before you can take a loan out. I am with Cashbox, cost £3 to join and took five minutes at my town hall.

rrreow · 25/03/2013 14:21

Can't help with the loan bit, but just wanted to chip in and say that £5000 can definitely be realistic. Our wedding cost about £6000. It was 5 years ago but it was in central London, so that should balance it out.

We did it over 2 days. First day: ceremony at registry office & sit down dinner for 6 closest family members. Second day: evening reception for 100ish people. If you're going to feed a lot make sure you pick a venue that you can just dry hire and then bring in your own food & drink (i.e. a place that doesn't charge per person or charges corkage). We went to ASDA and spend £500 on booze, loads of it was even left over afterwards and we took it home. For food we brought in some people who ran a food stall at Greenwich market (a crêpe stand).

There are loads of creative ideas for doing weddings on a budget. I had a great time and I don't think anyone who came to our wedding would've thought it was in any way 'cheap'. Years later people still comment on how awesome the crepes were and how fun the photobooth was. In that budget we also had: venue hire, DJ, serving staff, photographer, videographer, dance performance.

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