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Wedding

Where two become one (in your finances too)

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SG Budget Babe

Wedding

Lifestyle

VC
Vicki Chng
Level 5. Genius
Answered 7m ago
Hello! I got my first dress from taobao, and I did have some mistakes. Firstly I measured myself, and that was a mistake because it ended up being really tight and I had to spend money to get it altered at a tailors. Secondly, what I thought was the style for me turned out not to be fantastic and while I loved it then, as time went on the appeal was lost. What I suggest is to: Try on dress at local gown shops to get a feel of what suits your body. Alternatively, you can go for gown sales, you get to try on the gown and see if you like it, and purchase it at a cheaper price. Fleur d'sign has quite a few gown sales every year. If you are getting from taobao, will suggest the corset back ones as it's alot easier to fit your body. All the best!

MileLion

Wedding

SW
Shaun Wq Lim
Level 6. Master
Answered 3d ago
You may want to consider if the Amex Platinum card is worth it? 75000 MR points with $20k spend in first 3 months. Plus member get member promo with 40000 MR points with $5k spend in first 3 months. MR can be transferred to frequent flyer programs.

Lifestyle

Wedding

Credit Card

SG Budget Babe

Albert Millardo
Albert Millardo
Level 3. Wonderkid
Answered on 05 Sep 2018
My card strategy for my wedding payment: 1. UOB One Card Ask if your wedding venue (most hotels should be okay), if they allow you to pay monthly up to your wedding day. If yes, then you can maximize by charging the card $2k for every month and that will give you 5% rebate. Note: UOB One Card requires 5 transactions per month to qualify for the rebate (just simply buy water at NTUC also can :p) AND please check your statement quarter as the rebate is calculated per quarter basis and missing one of the month in the quarter will disqualify the rebate. 2. DBS Debit Visa Paywave / Contactless (Beep Beep Kaching promo) This is good for small items that you might need for your wedding as this debit card can give you 10% rebate (promo til end of September) or 5% (normal rebate). Note: Minimum spending of $400 and maximum $50 rebate. Only transactions below $200 will be considered for the cash rebate, so if the amount is more than $200, ask the merchant if can split into several transactions. I've tried with my bridal studio and managed to split into 6-7 transactions for $2k bill so I can maximise both me and my fiance rebates :) 3. Amex True Cashback For everything else. New sign up will give you 3% rebate for the first 6months with maximum of $5k. So you can utilize this til you hit $5k. After 6 months or beyond $5k will only earn you 1.5%. 4. HSBC Advance Card For everything else. Spending above $2k will give you 2.5% which is 1% higher than Amex True normal rebate or StandChart Unlimited. The cashback is capped with total spending of $2800 though. So do not spend more than that, unless you have an Advance banking relationship with them. Then it's different story. 5. SC Unlimited Card For everything else after you hit all the above. This card will give you 1.5% rebate, similar to Amex True Cashback. However not all merchants accept Amex. So it's good to have this just in case. No cap on the cash rebate. 6. SC Manhattan Card This card is actually discontinued. However if you have this card then you can use this as it will give 3% cash rebate per quarter. I forgot the mechanics to maximise it so please check it online! Extra tips: Sign up credit cards from third party site such as: SingSaver, BankBazaar, MoneySmart, Finty, GoBear. All these sites will normally give you extra perks such as cash gift / capita vouchers / ntuc vouchers etc on top of the welcome gift from the bank by signing up through them. Compare the gifts given for each site and decide :).

Lifestyle

Wedding

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 14 Aug 2018
Talk to your parents, set limits, and try to reach a compromise. I put my foot down on my parents inviting their colleagues - to me, the priority for guests was first direct family (no distant cousins whom I've not seen or hardly see, please), then friends and our colleagues, followed by my parents friends, then their colleagues. Some try the route of making their parents pay, but I don't think that's very nice la cos our parents don't earn a lot, so we didn't impose that. To each their own. We allocated a limited number per category outside of direct family. So if my parents wanted to invite more people, sure, but only if we have enough seats left. As it turned out, there was enough to go around for everyone in the end cos we opted for a caterer instead of a hotel banquet :)

Lifestyle

Wedding

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 14 Aug 2018
You need to respect your partner's wishes, and have a conversation with her so both of you can find a good compromise. Hopefully all these which I've written on budget weddings will help you! covers topics from budget proposal, budget wedding venues, having your dream wedding at a fraction of the price, etc. Will she be okay with a local PWS or does she want overseas shoot? Does she expect designer gowns or is she okay to rent, or even get from Taobao? all resources here: http://www.sgbudgetbabe.com/2017/04/budgetweddings.html Proposal: does she want simple or lavish? real or lab-made diamond? fireworks? videographer to capture the moment? Wedding: don't forget to include and respect your respective parents' wishes as well! my husband and I had to really talk to them to compromise cos my mom insisted on a hotel banquet at first and I was like NOOOOOOOOOO! My biggest tip is, if it is possible for you, to go with a event venue rental + catered food. I LOVE and absolutely recommend Manna Pot for their wedding catering, they're one of the best and most affordable in the industry! Have fun! Don't forget this golden advice: a wedding is for a day but a marriage is for a lifetime. My husband and I decided to spend more on our marriage than our one-day wedding to impress people. And when I look back, I still think I achieved my dream wedding, even though it was quite different from the one I had envisioned it to be while growing up as a child :)

Wedding

Miles

Credit Card

MileLion

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Nov)

Level 10. Unicorn
Answered on 11 Nov 2019
Hi anon, You'll have to check the MCC of the hotel. In theory it should be under the travel category and you can then get the bonus mpd. What I can suggest is to make a small payment first and examine how it codes. Alternatively, if you can snag a sign up offer on a miles card, that should beat most specialised spending cards.

SG Budget Babe

HDB BTO

Wedding

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered 2w ago
It really depends on your income. The more you earn and the less you spend, the more you can save. But there's a limit to how much you can cut your expenses due to minimum living costs in Singapore, so the main factor will ultimately be your earnings. My wedding cost me $88 per guest, which worked out to be about $30,000+ in total inclusive of non-guest items like PG, VG, gowns, suits, etc. You can actually pull off a gorgeous wedding for under $25,000 with these tips https://www.sgbudgetbabe.com/2016/07/how-to-cut-your-wedding-costs-to-under.html Our house cost us about $450,000 in total but a lot of it is paid through a monthly mortgage serviced for the next 25 years. We only had to worry about the downpayment and renovations which required cash upfront. The next big expense would be our baby, which was another $30,000 or so.

Credit Card

Wedding

MileLion

SG Budget Babe

Cashback

Miles

The best credit cards for what you're looking for should be: 1 - SCB's Unlimited Cashback Credit Card - 1.5% cashback on all your spends, they provide 0% interest installment plan which offers you a choice of tenures up to 36 months with no additional charges for signing up plus you still enjoy your cashback. Source: https://www.sc.com/sg/bank-with-us/manage-your-finances/zero-instalment/ 2 - OCBC Cashflo Card - 1% flat rebate with S$1,000 minimum spend (0.5% if below), 0% Interest Instalment Plan with no processing fee, payments earn rebates. Purchases above $1,000 will break into 6 months' payment automatically. Source: https://www.ocbc.com/personal-banking/cards/cashflo-mastercard.html Do check with the banks if you have specific questions. Hope my answer helps!

Investments

Wedding

Savings

Retirement

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Nov)

Level 10. Unicorn
Answered on 25 Sep 2019
Hello, if you intend to use the funds for the wedding, then I would not recommend taking undue risk with it. CIMB offers a decent interest rate for a no-frills bank account so you can leave it there and draw on it as needed. However, although UOB and DBS offer a decent interest, you will be able to achieve better returns when you deploy them into income-producing assets. To that end, I would recommend a watch list of good income-producing stocks/REITs/ETF and slowly deploying your capital over time, with the money in the banks used as a warchest should the market present to you good opportunities. When planning to semi-retire by early 40s, have an idea of the minimum cashflow you'll need for your expenditure, and aim to see how to meet that cashflow with a mixture of guaranteed and non-guaranteed income assets (which you will build from your early 30s to your 40s). You can also consider annuities that guarantee your capital but provide you with a guaranteed income, with the option to surrender and take back your capital should you need it again.

Wedding

Lifestyle

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Nov)

Level 10. Unicorn
Answered on 24 Jun 2019
If you are refering to 'saving money' as in cost effectiveness: Start with a plan. Know your costs and your budget. Assuming that we are referring to a traditional Chinese banquet, the banquet cost alone will be anywhere from 60%-80% of your budget. Look for alternative venues. Could a restaurant instead of a hotel work for you? Do your research. I have seen couples spent almost $10K on the gown/suit package with pre wedding photo shoot. I have seen the same thing for <$4K. And I have seen people make do with gowns from taobao with a bit of tailor work done themselves. The same goes for videographer, photographer, etc. Lastly, always remember that a wedding is a single day of your life. What is more important is the rest of your lives. Don't start off married life in debt. Work within your budget and capabilities. There's really a lot to be said about saving money on weddings, but I hope the pointer above will point you in the right direction.
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