https://padlet.com/heidihepner2/mz3x00my5ny9h8wb A presentation by Heidi Hepner for Money Management Fall 2022. en-us 2022-11-26 02:24:26 UTC 2022-11-29 04:44:04 UTC hello@padlet.com heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2398383548 In the following posts you will be guided through the different factors which affect the cost of weddings, including venues, receptions, dresses, catering, number of guests and the finer details which individualize each wedding - such as stationary, flowers and decor.  ]]> 2022-11-26 03:50:38 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2398383548 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400908288 In this easy to read article, Moneysense breaks down the different items apart of a wedding, and dissects them to see what is necessary to have a great wedding, and what can be a wedding ender. It reminds us that pre-pandemic the average Canadian Wedding could cost between $22 000 and $30 000. It is known that to afford these expensive weddings, people would cut into their savings and take on massive debt - which led to higher divorce rates, as the article states that money trouble is one of the three highest reasons for divorce. ]]> 2022-11-28 20:52:36 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400908288 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400913022 The website by Moneysense was chosen as the format of the article itself was easy to read and the new topics easily marked by different headers. They also use a reputable source for some of their information - such as BMO - and have also done some research on their own about people's choices with financial stability by using surveys. They also offer what I believe to be great advice - pick the three most important aspects of your wedding and let the rest fall into it's place. ]]> 2022-11-28 20:57:39 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400913022 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400914281 The Weddingwire further dives into how to breakdown the essentials of a wedding. According to their studies most Canadian couples prioritize the wedding photography, hair and dresses above everything else that goes into wedding when planning out a wedding's budget. It also brings up the perks of being knowledgeable about wedding locations as well as peak wedding times, such as weekends and September.]]> 2022-11-28 20:59:06 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2400914281 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401031718 I chose the website Weddingwire as they do an annual Global Wedding Report with other wedding websites (The Knot & Bodas.net) which is stated to survey 20 000 couples in 14 countries. They also provide numerical data for how to reduce costs of weddings as well as percentages of the surveyed couples which have chosen to do specific things at their weddings, such as photography and Jack and Jill parties. ]]> 2022-11-28 23:36:42 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401031718 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401091272 This is another article by Weddingwire which provides links to excellent tools, such as calculators, tracking sheets, and a list of questions, to help making budgeting easier for when planning a wedding. These questions and tools help keep people organized by providing ways to keep costs down, like asking a caterer about serving styles, planning weddings for Monday to Friday, a florist their design style and double checking the small things, like guest lists and vendors. ]]> 2022-11-29 00:43:59 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401091272 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401259974 I went with this article as well since I found that is helped further break down the "fundamental" yet expensive items in a wedding, but also giving tools to lessen the financial burden these items may incur. ]]> 2022-11-29 03:15:15 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401259974 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401270982 This video goes through six different wedding venue locations available in Toronto, Ontario and within the surrounding GTA area. It notes about each option the venue fees, service fees, price minimums, guest minimums, package deals, date availability and many more fine print details associated with venue rentals - that may be a shock to anyone's budget. It also helps by adding a visual sense to what different themed weddings are styled as, such as modern, or rustic, or countryside or outdoor weddings - as well as how the different styles and history of the venue and it's surrounding area are all important into the cost factor of each site. ]]> 2022-11-29 03:26:23 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401270982 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401274720 Although Toronto specific, this video was chosen as it went into the depths and reasoning behind why a venue was ideal or not for the couple who were touring them, and specified about fees that may not be so upfront when venue hunting, unless specifically asking about them. It allows those who may be interesting in looking for a venue a chance to gain some insight into what to properly ask when looking for a deal. ]]> 2022-11-29 03:30:12 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401274720 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401277330 The above is an infographic from Global News detailing the percentage of surveyed Canadians and their thoughts and feelings on reasonable wedding costs and where the money comes from. Five of the most common reasons why budgets are broken during weddings are bridal showers at number one, followed by bachelor(ette) parties, rehearsal dinners, engagement photos and surprisingly fundraising events (which are typically used to lower costs). These being listed helps those searching for a cost effective yet wonderful wedding by looking for alternative arrangements or cheaper versions of events they desire to have.

https://globalnews.ca/news/3559608/how-much-do-canadians-spend-on-weddings-the-cost-breakdown-will-surprise-you/]]> 2022-11-29 03:33:08 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401277330 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401288268 This infographic was chosen for its fun design and easy to digest format - going down in the list of opinions from Canadians and wedding related drama in the form of a tiered wedding cake. ]]> 2022-11-29 03:45:30 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401288268 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401307848 This article dissects the costs between 3 different weddings in Canada and looks at the values one can get for the different costs. A wedding with a budget of $15 000 may decide to have second hand and DIY décor items as opposed to everything store bought to reduce costs, while a wedding with a $35 000 budget was created by being economical and saving over time during the engagement period and looking for deposit and instalment payment methods. The $85 000 budget for the wedding saved by getting donations from family and friends and changing the wedding date to an off season date. ]]> 2022-11-29 04:09:46 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401307848 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401311744 I chose this article for my fourth website as I found it broke down the different factors that went into the cost of each wedding and how people still had an expensive wedding but cut costs in different ways to still have the anticipated dream-like wedding.]]> 2022-11-29 04:15:08 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401311744 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401317497 In this video it goes over 18 budgeting tips on how to save money for your weddings. The largest items to be saved on, include not renting a limo (or fancy car, or anything at all), saving on money by not serving appetizers and coffee/drinks pre-wedding, changing the wedding date to a weekday or getting a local (or even your own backyard) wedding venue - all to help reduce the costs of a wedding. ]]> 2022-11-29 04:22:17 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401317497 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401319024 This video was chosen for it's homey feeling and connection with the wedding planner in the video to feel like the advice comes from someone with experience. ]]> 2022-11-29 04:24:07 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401319024 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401321644 This brief video goes over three major things to look for and do when buying a wedding dress to help reduce the cost. The three most important things are to buy a wedding dress significantly in advance to a wedding date, to do so with limited to no alternations to a dress, as well as to do so during a trunk sale (yard sale). ]]> 2022-11-29 04:27:20 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401321644 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401322525 This video was chosen for it's quick delivery of information, right away getting to the most important pieces of information to help viewers get the key details for effectively planning their budget. ]]> 2022-11-29 04:28:29 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401322525 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401327906 In this last video, this particular Youtuber discusses 5 key things to remember and do while planning for a party pre-wedding. The number one thing mentioned was to have a budget and to keep expectations low - not demanding too much of anyone - including the wedding/party guests particularly family. The other key things is to be aware of include everyone's personal budget involved in the wedding party, followed by looking for local versus distanced venues for the party. These all help towards planning an ideal party. ]]> 2022-11-29 04:34:51 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401327906 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401328400 This is a fun video to figure what is important when it comes to planning one's bachelor/bachelorette party. ]]> 2022-11-29 04:35:20 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401328400 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401330465 This infographic is a fun way to breakdown the costs of wedding by showing one of history's most anticipated wedding - Cinderella's and comparing it to real life princesses like Kate and Diana. ]]> 2022-11-29 04:37:39 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401330465 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401331707 The second image was chosen as a fun way to close up the costs associated with weddings by show casing one of the most "famous" weddings in cartoon cinematic history in comparison to all the other information shared in this padlet and real life weddings. ]]> 2022-11-29 04:38:59 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401331707 heidihepner2 https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401336536 1.  Learning about the cost of weddings, I was surprised to find out what people spent the most on and how it affected their wedding budget so much, and how people had multi-thousand dollar weddings so easily. 
2. I chose this topic not only because I personally am in a relationship, and although have always been set on having a Justice of the Peace wedding, found it interesting to see it from the other side. I was also interested in this topic as most of the weddings I have participated in have no ended successfully. 
3. If I could pass on this information to my family members, especially those with failed marriages, is to wait out the engagement period and truly get to know the person you are going to marry. Use this time to budget and save accordingly so that there is less debt at the end of the wedding, and less debt as a part of the divorce should that happen. ]]> 2022-11-29 04:44:04 UTC https://padlet.com/heidihepner2/mz3x00my5ny9h8wb/wish/2401336536