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When you ask someone how to buy engagement rings, they will probably tell you all about the “two-month salary” rule. Does it make sense to spend two months of your hard-earned salary on a diamond right for engagement? If that’s how you buy proposal rings, how does one buy wedding rings? In most of the cases, women do not continue wearing the engagement ring after their wedding. They replace it with their wedding ring. The modern woman does stack her rings together or wears the other one on her right ring finger, but even that does not justify the “two-month salary” rule.
What should be the value of your engagement ring?
According to the younger generation, proposing is not the tough part of the romantic moment, but finding the right ring is. It is easier to pop the question than to decide on your budget for the ring. The decision is not always rational and logical. The choice of an engagement ring is often emotional and the existence of these “two months’ salary” rules, age rule and the car rule do not help the situation at all. So, what should you consider while choosing the engagement ring for you bae?
Pay attention to what your lady likes
Your lady must have mentioned what the one engagement ring they really wanted. Whether it was a three-karat rock or a speck on a gold band, her choice will reveal a lot about her taste. It is safe to assume that women like it big. We have never seen a rock under 1 carat elicit as much excitement as a big one. Even if your lady is super smart, charming and intelligent, there is no way she will overlook the size, shape, color, and clarity of the diamond on her ring. If you are wondering if you can forgo diamonds and going with other gemstones, don’t even think about it! Instead, check out Jannpaul engagement ring designs that will fit your budget.
Think about designing the ring on your own
You can be sure that your girlfriend has been thinking about her engagement ring for quite some time now. All women fantasize about engagement rings. They dream about the perfect clarity, cut, and carat. She may have even mentioned that cushion shaped solitaire ring in platinum or the halo diamond ring in white gold. If you do not find the exact design in the store, you can build your bespoke engagement ring from scratch with on the website.
Choosing your ring should be a financial decision
Your engagement should be romantic and dreamy. Finding the right ring should not give you cold feet or become a glitch in the process. To make the process struggle-free, weigh the following facts –
If you have stowed away money for buying the perfect ring for your precious one, then it should be easy for you. Check out the best quality and design your money can buy. If you don’t have enough in savings, then consider your potential income. Do you have a lump sum profit coming your way? Then you can think about splurging a little more than your savings will permit.
It is imperative not to go overboard. Check all your options, compare the quality and prices, and choose the ring that will perfectly symbolize your love and commitment.
Even though we live in a world which sends robots to Mars, sometimes technological advancement is all there is from humankind. While we aim for the stars to give us a better future, we forget that there are still certain issues that should be addressed here on Earth. Intercultural marriage is one of the numerous things we should discuss and resolve, as a testament to positive human evolution for our posterity.
Marriage is a challenge. It requires work and compromise between partners, no matter how much they love each other. However, marriage also requires strength to overcome the stressors surrounding the relationship. And that is what challenges of intercultural marriage mean for the partners – endurance of bigotry, racism, class differences and all the things that come out of petty minds.
In a way, these couples have to work on their marriage at the same time they’re working on showing the world that love is the most valuable feeling in the world. Unfortunately, sometimes that is simply not enough and these couples face a lifelong battle with issues that don’t belong in the civilized, modern society that wants to spread across the universe.
Racism is, sadly, still a serious issue that exists in even the most modern countries in the world like the USA. Judging people by their skin color shouldn’t be discussed any more at all since it shouldn’t exist in the first place. But we all know that the world is more complicated and challenging than that.
But people are not judged for their interracial marriages only by strangers. The worst impact on their relationship is made by their peers, family, and friends. This is something that has been present in society for centuries, and will undoubtedly be here in the future.
Thus, the pressure on the interracial marriage is like carrying a heavy load which just got heavier because someone set on it instead of helping you carry it. Racism won’t go away if we turn our heads the other way, but only if we join the ranks of brave men and women who fight it all their lives. This is a complex problem that needs to be addressed from all the social, political and cultural points in order to eradicate it.
You’ve probably read Jane Austen or at least seen some of the movie adaptations to know how class difference works. Even The Great Gatsby deals with this issue from a different, but equally important point of view. Marriage between rich and poor has so much scrutiny surrounding it that Pandora had a pretty big box where all those evils came from.
Sometimes, the couple or one of the partners, usually the less economically situated one, are forced to sign a prenuptial agreement. This can be the initiator of marital problems and even cause the cancelation of marriage altogether. Here lie many challenges and prejudice that a couple must face in order to have a healthy marriage and keep the family safe.
Popular culture often depicts these relationships either as cautionary tales or true love stories. In reality, the matter is not so easy to fight off and the reputation follows some couples throughout their marriage. This issue is, thus, resolved, with firm attitude rather than constant justifying oneself to everyone, and as an underlying stressor, it’s an ever-present challenge for the couple.
Love is blind, they say, but for how long? This is a fitting question that perfectly fits the challenges of a marriage between two people with different educational backgrounds. Some even didn’t see this as a challenge until women were given the same opportunity at education as men.
Just remember Mad Men TV show for the easiest reference and women there being perfect housewives, while men did all the important work. Nowadays, the society may have allowed women to have the education they rightfully deserve, but not that Mad Men ideal of perfect marriage is hard to destroy. But the things swing the other way as well, so this educational gap is not only the gender issue anymore.
The lack of communication in marriage and understanding from a partner are often the causes of discord. While some tend to put in the effort to understand each other completely, others forget about it and it turns into an issue fast. However, the true way of dealing with this is for partners to include one another in each other’s lives, and not feed the monster.
The main legal issue when it comes to intercultural marriage is visa and citizenship for one of the partners. Every country has its own set of laws and regulations governing this field and some are really complex to handle by yourself, like the UK’s or Australia’s. Therefore, hiring immigration solicitors is necessary to complete the paperwork and avoid serious repercussions such as deportation.
Of course, every couple entering into an intercultural marriage is aware of this issue when one is not the citizen of the other’s country. If prepared for this bureaucratic entanglement in time, couples won’t even feel this period in their lives. Otherwise, the problems arising from untimely tackling of this issue can lead to serious legal consequences and divorce.
Couples today face the fact that the divorce rate is high. In a way, if a marriage doesn’t work than it’s right to get the divorce. However, doing your best to overcome the problems should be the first course of action and not calling it quits. Intercultural marriages have a high divorce rate and that is why they need more work and attention.
Different religious backgrounds can be overcome with one partner accepting the religion of the other. Certain customs can undergo small changes to fit both partners, while different cultural backgrounds carry diverse behaviors and perspectives. So, while high divorce rate of these marriages may speak against them, couples shouldn’t focus on that but on methods to overcome these problems and love each other.
Every relationship is a challenge and needs work to succeed. Intercultural marriage is a perfect example of what a relationship between two people needs to endure and how much we have to further evolve to be worthy of the stars.
Breaking up with the person you love hurts like hell, especially if you’ve been together for a couple of years.
You’ve built your world around each other. You’ve made a lot of good and memories over the years and shared unforgettable experiences. You’ve faced many trials together and surpassed them out of love. It’s such a waste to end such a long and meaningful relationship and start over again.
But there are battles you cannot win over no matter how much you love the person. It’s when the relationship becomes toxic and draining to the point it’s not worth fighting for anymore.
Let’s not talk about the petty arguments about laziness, or small incompatibilities like introverted and extroverted personalities – you can work them out. But there are some circumstances which are extremely difficult or even impossible to resolve. These events tell you that it’s the end of the road. You have no choice but to give it up because you’ll destroy each other eventually if you choose to stay.
You may assume your long-time partner is the one. But if you’re still unmarried and you spot these red flags, it would be better rethink your relationship before the problem becomes unbearably damaging during your marriage.
Tying the knot is easy, it’s staying married that is the tricky part.
In order to be successful, you and your spouse must learn to compromise, respect each other, and communicate. Don’t let yourself forget how important your partner is to you.
If you want to have a happy, successful married life, then read on and learn the 10 best tips for a healthy marriage that every couple should be following.
Getting married shouldn’t mean that end of dating – each other, obviously!
Putting in the effort to schedule a fun, sexy, or romantic date night is all about making your partner feeling loved, adored, and desired. These are important aspects of any healthy marriage.
Studies reveal other benefits of date night as well, such as heightened sexual and emotional intimacy, boredom prevention, and deeper communication.
Trust is one of the most important parts of any healthy marriage.
Your partner should be the person you can tell your deepest secrets to without every worrying that they will judge you or share your stories with anyone else. Trust also means living with confidence that your spouse would never do anything to betray you nor you them.
In a study about what makes a marriage last, treating a spouse like a best friend rated as one of the biggest indicators of success. Research also indicates that couples who laugh together regularly are more likely to stay together than those who do not.
Your best friend is the first person you think to call when something exciting happens. They are the person you want to go to concerts with, the person you trust, and the person who can always make you laugh. So, why shouldn’t this person be your spouse?
Part of having a healthy married life is about having realistic expectations about your partner and loving them for who they are, not who you wish they would become.
People naturally mature as they grow older. They grow and change in various ways. Perhaps they even quit bad habits such as smoking or staying up all hours of the night. Your spouse may change their opinion about getting a pet, decide they actually do want kids, or may even change careers after marriage.
But, those are their own decisions. While you have every right to weigh in, offer you opinion, and give support as a spouse – thinking that you can be the cause of change in your partner is a fruitless challenge that will only leave you shaking your head.
Sex is arguably the biggest way in which couples bond both emotionally and physically. The oxytocin released during intercourse is largely responsible for stress-reduction, mood elevation, and is the biggest predictor in heightened emotional intimacy in married couples.
An active sex life also promotes bonding, and is scientifically shown to deepen trust.
Plus, it’s fun.
Just because you’re married doesn’t mean you always have the same interests. It is just as important to pursue separate interests as is it to share hobbies and goals.
Maintaining solo hobbies and social lives will help each spouse hang onto their sense of self outside the relationship. In turn, this confidence will strengthen the marriage bond.
According to twentieth century philosopher Rudolf Steiner, people change their opinions and interests every seven years. So, if the changing of body and mind is inevitable, do your utmost to ensure you and your spouse are changing and growing in the same direction.
One way you can do this is by sharing new things together. Take up a class, instrument, language, or start a new hobby like exercising or photography. By taking up these challenges together, you’ll be able to deepen the connection in your married life.
Your spouse is not simply the person you married, they are your partner. By marrying them it means that you have entered into a partnership, so always treat it like one. Decisions are made together, issues are talked about respectfully, and each spouse’s feelings, thoughts, and opinions are to be treated with care.
Just like in a business, you and your spouse are working toward the same goal together in order to profit your relationship.
This step may be difficult for those who are used to getting what they want. But, being in a marriage means melding two different lives together. As with any couple, this is bound to cause you two to butt heads every once in a while. This is where the art of compromise comes in.
Marrying the love of your life means everything isn’t always about you anymore. You are building a family together as partners, not enemies. Learn to pick your battles. Decide what is important to you and what isn’t worth your instance.
This age-old advice had been around for decades for a reason. Going to bed angry is a hurtful thing to do to both partners. You’ll end up losing sleep, hurting your spouse for your lack of communication and understanding, and be hurting your brain in the process. Literally.
Studies prove that by going to bed angry, you are actually encouraging your brain to hold onto negative emotions that will be harder to get rid of then if you had simply called a truce before bed.
Sure, there are some issues that could be put on hold until morning, but you should always strive to kiss and make up before bedtime.
Being married is a rewarding adventure, but that doesn’t mean there aren’t bumps along the way. By following these 10 tips, you’ll be setting yourself up for a healthy marriage for years to come.
If you’ve been seeing your significant other for a while and all is well in your relationship, the next step may involve living together. In the UK, more people than ever are cohabiting before getting married, and a survey has revealed that living in a couple is the most popular living arrangement for those aged 16 and over. Moving in together may be one of the best ways to strengthen your bond, and it could potentially be a financially sound move. However, living together presents a few challenges, both relationship and money-wise, and there are things that you and your partner need to consider before the big day. To keep the love alive and to ensure that all goes well between you and your SO, here’s everything you need to talk about before moving in.
When should you move in?
Is there such a thing as the right time to start living together? In a Bridebook poll in 2017 which involved 4,000 British couples, it was revealed that the average couple dated for 17 months before moving in together. Bridebook’s founder, Hamish Shephard, said that the findings indicate that living together before tying the knot can “clearly be very positive steps to finding ‘the one’ and having a fantastic long-lasting marriage.”
Although the survey shows that most pairs wait at least a year before making the next step, identifying the ideal timeline for moving in together can be difficult—each relationship is different, after all. But you can take a good look at your relationship to find cues whether it’s the right time to cohabitate. Experts say that once you and your significant other understand and are willing to live with each other’s habits, then that’s a good sign that you can consider moving in. Being open and comfortable talking about money and finances is also a positive sign.
My place or yours?
Another thing to consider before moving in is where you’ll live. Should your partner move into your place, or should you be the one to relocate? When it comes to sharing a place, ultimately, the best thing that you and your SO could do is look for the best option that would make sense for your lifestyle and budget. For instance, if your partner owns a home and you’re renting, then it may be better for you to move into your loved one’s place. However, if your place is located near you and your SO’s respective places of work, then it may make more sense for your partner to move into your flat.
There’s also a matter of space—who currently lives in a place that can comfortably accommodate two adults? If you have the bigger home and the extra closet space, then your partner may want to move into your place. As for buying a new home together, it may be prudent to hold off on investing in a shared property until you decide to get married. Not only will it be less complicated, but it saves both of you from the trouble and heartache of dividing possessions and the home should the relationship not work out in the end.
My aesthetic vs your style
If you and your partner share the same taste in interior design, then you may skip this part. But if your SO prefers a traditional style while you lean towards an edgy and modern aesthetic, then you may have to sit down and talk about how you can compromise on this matter. A home should reflect both of your sensibilities, so finding out how to combine the best of both worlds is your best bet so both of you can enjoy and appreciate the decor. The best thing that you can do is to hire a professional interior designer who can successfully put together elements from each of your preferred styles. If money is a little tight, make a project out of it with your partner and learn to compromise and find a balance. This means that if your partner wants traditional furniture in the living room, then you can have an edgy and sleek fireplace and a state-of-the-art home entertainment system in the same space.
Having “the talk”
Talking about finances and paying bills may not be the most romantic things that you can do with your partner. You may not even look forward to having the money talk with your loved one as it can get awkward or uncomfortable. However, it’s one of the most important things that you should do to have a healthy relationship. Experts say that being honest and open about your finances can improve the trust and quality in your relationship. Moreover, it reduces the chances of having big financial problems in the future.
So how do you have “the talk” with your partner? The first thing is to determine your household expenses. This may involve rent, association dues, utilities, and groceries. Some people think that splitting the cost evenly is the right thing to do, however, this only works if you and your partner are earning the same—or close to the same—amount of money on a regular basis. If your partner is earning considerably less than you, then it may be difficult for your SO to pay their half. If this is the case, you can cover the bigger expenses, such as the rent, electricity, and water bill, then perhaps your partner can cover the groceries and the cost of your cable or Internet.
For personal expenses such as clothes, salon visits, and haircuts, each of you should be responsible for this and take care of your respective purchases. Also, don’t expect your partner to pay your credit card bills or insurance—you should take care of that on your own, the same way you always had before moving in.
Keeping the romance alive while living together
Living together makes you privy to all your partner’s habits and quirks, and you may discover something new each day about each other. But even though you’re living in the same space, it’s crucial to keep the spark alive to ensure a happy relationship. Make quality time for each other—remember that living together doesn’t mean that you’re spending lots of time together every day. Continue to go on date nights and flirt with each other. If it’s been a tough month, by all means, stay in, but make your meal a romantic one by lighting candles and playing soft music. Going the extra mile even though you’re living together is always worth it if you’re doing it for the person you love.
By being open, honest, and having the willingness to compromise, you and your partner can have a happy relationship while living under the same roof. As time goes by, there may be ups and downs as you continue to discover new things about each other, but be reminded that no matter what, it’s the love—and not the house—that binds you together.
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Thailand is a beautiful country with a fascinating heritage, sublime beaches, gorgeous architecture, stunning topography, and smiling people. It is a holiday destination that never ceases to dazzle or amaze. Consequently, the number of luxurious venues, both hotels, and private villas, is growing exponentially. Koh Samui, in particular, attracts a lot of couples planning a destination wedding in Thailand. From its white sand beaches to sparkling green seas and picturesque backdrops, there are endless reasons why the island is Thailand’s best beach wedding destination. Here are nine to start with.
Koh Samui is a fabulous beach wedding destination thanks to its 25 km of glorious coastline. Its beaches are famous for their fine white sands and crystal-clear waters. Some are often lined with lounging tourists but plenty isn’t. You can host a Thailand beach wedding at one of the quieter spots that feature secluded coves and hidden beaches. Some less crowded beaches to consider include Bang Tao, Choeng Mon, Laem Singh, and Nai Thon beach. After exchanging vows, you can hop on a traditional longtail boat for a photo shoot as you explore the little coves.
The cost of a wedding in Samui Island is quite affordable compared to other popular wedding destinations. For instance, the average cost of a wedding in Koh Samui (with 30 guests) is £900 while the cost of hosting an average wedding in the UK is £30,355. However, it is important to mention that the cost of a wedding in Koh Samui varies depending on the type of hotel that’s planning your wedding – five, four or three star – and the time of the year – low season or high season.
Most resorts at the island offer wedding packages that include reception setup, wedding cake, drinks, plated dinner, discounted accommodation and a photographer.
You and your guests may be partial to Pad Thai, but you have no idea of the diversity of Thai cuisine. When getting married in Thailand, you’ll be dazzled by the food options available on this gorgeous island. Expect dishes like mango sticky rice, Gaeng Keow Wan Kai (Green Chicken Curry), Massaman and Panang curries, papaya salad, soured pork sausage, and laab (minced pork salad) just to name a few.
Luxury hotels will also have an international chef serving Western food just in case you have guests who are not into Thai food.
Being a tropical climate zone, the sun at the island shines bright and strong and the temperature remains relatively constant (hot) year-round. Additionally, the island is frost-free making it a perfect wedding destination. You and your guests can celebrate on the beach, enjoy cocktails in the sunshine and dine under the stars.
While the climate in tropical zones is characterized by hot and dry days, the island also experiences occasional heavy rains. Therefore, if you’re getting married in Koh Samui, be sure to visit the island when the weather is favourable.
There are lots of awesome activities you can do the day after your wedding day. You and your guests can choose to sail along the coast or trek into the island’s jungle-clad mountains. Rock climbing, white-water rafting, bike riding, and zip lining are other great ways to explore the stunning island. If you want to explore the coast further, be sure to go snorkelling, kitesurfing, sea walking, stand-up paddle boarding or kayaking.
The fabulous culture of Thailand is intriguing and overwhelmingly rich. You can choose to have a theme for your wedding that mimic’s the Thai culture. You get an opportunity to celebrate your special day uniquely. The universal language of love allows you to incorporate romantic love songs for the ceremony. The lively Thai music, as well as their traditional attire, are sure to make your ceremony warm and welcoming.
When you have your wedding at the beach, you can also choose to have your honeymoon in Koh Samui so that you spend less time travelling and more quality time with your spouse. There are exquisite honeymoon destinations in Koh Samui that will interest you. Consider having your wedding at the beach and then hiding away in a peaceful destination for your honeymoon. Many secluded beaches host couples for their honeymoon.
Book yourself and your spouse into a luxurious hotel and enjoy room service as you spend quality time together. If the nightlife interests you, there are endless establishments in Koh Samui that have good music and amazing cocktails. The locals in Koh Samui will freely suggest beautiful wedding sites to hold your ceremony. You will be warmly welcomed by friendly residents who are known to be good for foreigners. Since you are allowed a thirty day stay as a foreigner, you get the opportunity to interact with new people.
Beaches in Koh Samui are neutral grounds that allow you to accommodate adults and children alike. The clean environment is favourable, and you can choose to hold your wedding at a private beach so that you enjoy tranquillity. There are many luxurious hotels around the major beaches in Koh Samui that have affordable rates. You can accommodate everyone comfortably while the wedding plans proceed.
Koh Samui is a top destination for a beach wedding. Its dazzling beaches, azure sky, fabulous food, and perfect weather will make your wedding truly extraordinary.
“Love recognizes no barriers, it jumps hurdles, leaps fences, and penetrate walls to arrive at its destination, full of hope,” quotes Maya Angelou. While real love, as described by Angelou, keeps marriages strong, sometimes divorce is the healthiest options for couples. Besides separation, the other common and more natural way that marriages end is through death. Losing a spouse to death changes the world around you and subjects you to sorrow and grief. You may experience guilt for being the one who is alive or get mad at your deceased partner for leaving you. But should you live like that forever, or should you move on?
The 18th-century writer Samuel Johnson defined remarriage as ‘the triumph of hope over experience.’ This can be perceived as a cynical statement to mean that if you have been married once, you ought to know better than to remarry. But his witticism also expresses a more positive and more profound truth about the human nature that we are all hopeful species especially when it comes to fulfilling the most basic human need: to love and be loved. So, why not be hopeful?
Ask a lot of questions
A date relates to an interview because you are actively trying to learn more about the person to see if they are a good match for you. Many people get nervous during dates, and as a result, they end up talking too much about themselves. Instead, you should compose yourself and try to learn something about your date as well. Knowing the other person is crucial, hence you should not hurry up down the aisle with them, even if you were in love before your divorce. This is because your relationship is on an entirely different footing; it is no longer a secretive affair which in most cases scraps off most of the excitement.
Don’t talk much about your ex-partner
One thing that your date does not want to hear is how your former partner was a jerk or was not adhering to your agreement. If you dwell too much on the negatives from your past relationship, you will most likely never hear from them again. Therefore, you should try to concentrate as much as possible on the present and the future. In case your divorce comes up, keep it brief, shallow and resist from cursing. Some of the words you should refrain from include depressed, devastated, heartbroken, bitter and deadbeat.
“Does the person bring the best in me?” Do I like myself when around this person?” these questions emphasize whether your date is a good fit for you. If you are dating a person who makes you feel bad about yourself, you might find that everything you do is inclined towards making them love you more, and on most occasions, they cannot. Instead of trying to make such a situation work, accept that they are not the one and that you need to move on for your well-being.
Don’t talk much about kids
Your children are your pride and joy, and they are in most cases, a significant part of your life. In this line, your date is not with you to talk about them the entire time but to know you and what defines you when you are not a parent. Similarly, when people find love after divorce, they often want their kids to dive and join in the happiness. They do not realize that children might require more time to adjust. Therefore, you should not hasten to introduce your children in a bid to solidify the bond. It is vital to understand that just because you are dating your soulmate, it does not mean that your kids feel connected to those of your partner. As such, don’t force them to spend time with each other but give everyone time to accept the new arrangement.
Put in mind that divorcees shuffle a lot of issues including kids, job, and more. Dating as a divorcee is significantly different than when you were younger. Therefore, issues like last minute rainchecks, kids despising you and your partner’s ex being rude to you are typical scenarios to expect. In addition, there might be days they fail to talk to you, and though they might not manage to see you as often as you want, it is essential to remain calm and understanding; those are just the constraints of dating after divorce or death of a spouse.
A bit of time to yourself after losing your spouse, through whichever means, allows you to reflect and get to know yourself again. You may not feel like you’ve lost yourself but when you’ve been part of a relationship for a long time, you can lose some sense of yourself as an individual. Give yourself time to breathe, reflect on your own wants and needs and get to know yourself. You can rethink your sense of style, your ambitions in life and where you hope to spend your later years, even with a new partner.
How long to wait
Whether your previous marriage ended with death or divorce, you need time to recover. You have gone through a significant life transition and you ought to get in touch with your emotions before indulging in another serious commitment. Also, for divorcees, try to understand what went amiss, and if you find yourself laying 100% of the blame on your ex, you may not be entirely realistic. Until you have acknowledged your role in the separation, you are likely in danger of repeating the same mistake. In fact, a period of self-examination is vital. Also, therapy might be helpful as it clears off any emotional baggage so that you do not drag it into your next marriage.
After a divorce, no one scores 100% in dating and remarriage because the past always sticks with you to a certain degree. Remarried couples will always have to deal with issues from previous marriages. However, openness, honesty, patience and mutual support are the keys to a successful remarriage. The good news is that the union is more likely to be successful because partners are more experienced and more mature than they previously were. It might not be fair to term remarriage as the ‘triumph of hope over experience’; it could be that very experience you have gained that grants you a reason to remain strong and hopeful.
A wedding is generally a grand occasion, and people enjoy themselves a lot during the festivities of a wedding. The marriage is obviously the celebration of the bond that is made between two people but the relatives and friends who gather on that auspicious day for bestowing their blessings on the newlywed couple make the whole event more beautiful and happy.
There are different things involved in the wedding shopping list, and many items need to be procured for the wedding. The planning process is vital for any wedding which involves the date, venue, guest list, dress and suit for the bride and groom, etc. But the most important piece is obviously the wedding or engagement ring. The ring which is used for engagement has to be bought by the bridegroom and is probably the costliest item in the whole shopping list.
Factors to be scrutinized before choosing to opt for a pricey ring
Due to various expenses made during a wedding, credit card swipes also increase in frequency and it has observed in many instances that the cost of having a dream wedding has exceeded the budget by a huge margin. The people who are sensible will obviously try to use cash and debit cards instead of using credits or other forms of loans. However, in many cases, it has been observed that the wedding ring is bought by using balance in the credit card. In such situations a person who is making the purchase should examine the following things:
If it is necessary to choose the credit option for purchasing the wedding ring, then it is very important to know the amount which has been taken as credit. If might sound easy that the amount is known when the price of the ring is shown. But it should be remembered when that amount is paid through credit then the price might be higher than what is shown in the price tag. This happens because the credit card has certain terms given by the crediting agency and there is the rate of interest which is applied to the credited amount. In some cards, there is a period when no most inert is charged but usually that duration is not very long and the interest is very high after the grace period. In other cards, there will be a rate of interest which will be levied on the loaned sum. Hence, it is important to assess the total cost that one will incur if the payment is made through credit card and the suitable amount should be ready soon so that less interest or penalties are charged.
As already mentioned a wedding ring is nothing less than a costly affair, so it is extremely important to ensure it against damage from accidents or theft. There are different types of insurance service providers who have different conditions for ensuring valuable items. The policy agreements requiring lower payments for coverage usually do not have a comprehensive approach when it comes to ensuring a highly prized artifact. However, it is always dependent upon the financial situation of the person and also his choice when it comes to selecting insurance coverage for the wedding ring.
It is necessary to understand the fact that the wedding is the initiation of a journey in which two persons mutually coexist harmoniously. In order to achieve peace and prosperity in a marriage, it is vital to plan the finances accordingly. Usually, a huge amount of money is spent on weddings, and less thought is given about the financial needs in a marriage. Hence in order to avoid debt situations, it is mandatory to plan the funds’ necessary fora marriage and not just for fulfilling a wedding ceremony.
The pomp of a wedding is not to be measured against the money spent on having that wedding instead it should be considered by observing the overall happiness of the entire family and the couple. Sometimes for the sake of saving one’s face in the society individuals make the mistake of acquiring things that are beyond the financial capacity. This expenditure might make that single day overtly beautiful but will affect the couple later in marriage. Hence instead of worrying about what others will think if there is a lack of expensive glitter in the wedding one should come forward and calmly state his financial status and budget for the wedding. The wedding ring might be important for a single ritual but won’t make or break the wedding.
In the jewelry market, there are enough shops that provide quality pieces of jewelry at an affordable range, but there are some stores that charge an excessive amount of money. A person should be wary about such jewelry stores, and it is better to scan through multiple jewelry shops before making the actual purchase of the wedding ring. Prices should be compared both offline and online, and the quality of products are to be examined very carefully.
There are indeed a plethora of options when it comes to wedding rings. However, choosing the least priced wedding ring might not be a prudent choice because this ring will not only be worn on the wedding day but will remain on the finger of the spouse throughout her married life. Therefore choosing rings that are reasonable according to one’s budget is to be purchased.
Debt is not something that one wishes to gather that too right after a wedding but in the unfortunate event when a person finds himself in debt due to the expensive engagement ring, then it is important to work continuously for resolving the debt as quickly as possible. You can get in touch with the experts of nationaldebtrelief.com/ know more.
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Money talk is probably the last thing on your mind right after you get back from your honeymoon.
You might be thinking – you just got back from a romantic getaway with your spouse after your successful wedding that’s thoughtfully planned and splurged on. You’re not even done unboxing all of your wedding gifts. And now you’re going to talk about financial paperwork?
Well, sorry to say, but it’s got to be done. After all, money is one of the leading causes of divorce. Financial issues, no matter how daunting, should be discussed before they become bigger and more damaging in the relationship.
A blissful marriage isn’t measured on the number of date nights, romantic vacations, and lavish anniversary gifts. Couples who face financial hurdles together and overcome them together come out stronger than ever.
So if you’re ready to do some daunting financial tasks after the wedding, here are top 6 things you should do as a couple.
Have you decided to have a joint banking account and merge all of your finances for household spending? Or you want to keep your personal account? Or perhaps do both by having a shared account and a separate account for personal spending at the same time?
Whatever that is, make sure you’re both on the same track about this matter and do all the paperwork together.
Once you’re married, you should have each other’s names on all of your accounts. It’s also important to change your beneficiary information for those accounts: If it’s your first marriage your beneficiaries are likely your parents. If you’ve been married before, it’d be your ex.
Make sure to update it ASAP to avoid bigger and more expensive problems should anything bad happen to you.
“Til death do us part” or “Til debt do us part”?
Debt should be openly discussed and addressed as early as possible to avoid it to cause further damage to the relationship.
Get out the paperwork, provide copies of your own credit reports, look for the real bottom line, and deal with it. Debt catches up eventually – whether it’s the tax collector, your university, or creditor. One day, the terrifying details of the past will come creeping out when you’re trying to get a mortgage and other loans.
Not all money talk is bad. Some prudent men and women enter marriage with trust funds, investment accounts, real estate properties, and other significant assets. Your spouse should know what you have and what you can share unless you have a prenuptial agreement that excludes the spouse from any benefit. Again, beneficiary names should be updated.
Now that you’re married, looking at your paychecks and other income sources is just a right thing to do. You’re a team here, remember?
It’s crucial to determine your combined monthly income and how it’ll affect your spending and savings.
Make a detailed budget out of the combined list of all your monthly expenses: housing, utilities, internet, cable, phone, groceries, car payments, leisure, and other routine costs. Plan for payments on debts too. Last but not least, make sure to have a budget for unexpected expenses that may come up, like home repair and medical bills.
Odds are that, you’ve splurged on your wedding and your honeymoon. YYour first year together is the perfect time to recoup those losses and continue saving up for the future.
Don’t forget to feed your savings account – together. We can all agree that having a financial cushion for emergencies and retirement is a must.
You can fuel your savings by finding ways to be frugal. You may limit nights out and put your focus on groceries and rent. Be wise when going on vacations. Set limits for internet, cable, and electricity use. It’s more fun to celebrate your first year of marriage without overindulging.
Communication is key to a successful marriage, especially in terms of money. Couples who discuss money matters, set financial goals and help each other achieve them tend to be happier and healthier than those who don’t.
Take the time to sit down with your spouse to talk about money – your short-term and long-term goals and your plans to make these goals a reality. Discuss where you want to be in five years. Are you planning to build a business? Will you buy stocks or other investment vehicles? Will one or both of you work abroad? Do you have a plan to level up on your career?
Talk about money handling practices and expectations. Are you guilty of poor spending habits? Do you plan to quit certain expensive vices? How often do you plan to go on vacations?
Talk about future expenses that will eventually arrive, including children’s education, buying your first home, your first car, and the emergency and retirement funds.
I know these things may be too much to talk about, especially if you’re just starting your life together. However, it’s great to be open about these things and to know that you and your partner are on the same track.
Author Bio: Carmina Natividad is one of the writers for The Relationship Room, a couples psychology institution specializing in relationship counseling and therapies for couples and families. She may be hopeless romantic but she’s got some straightforward pieces of advice about love, dating, and relationships