Why take out a loan for the wedding - bad idea

Why not begin married life with debt

The desire to play a magnificent wedding understandable. She initially put too sacred significance. Fairy tales end with a beautiful ceremony, after which the characters live "happily ever after." Contributes to and gender socialization: Many girls are still fed to the fact that the marriage - a major event in their lives. Of course, if more than twenty years of living with the dream of one single day, not so easy to give up all the best at once. In the battle with the rational arguments for economy reasons come "is the most important day" and "this once in a lifetime."

In 2018 it was registeredMarriages and divorces 893,000 marriages and 584,000 divorces. Divorce mainly people who are not married in 2018, and earlier, but the statistics are still significant. And it should not disappoint. Centuries ago, there were fewer divorces is not because people were happy without exception in the family and were able to build a relationship. But it is necessary to take for granted: the marriage in your life will not necessarily be one.

It may well be the case that you enter into a third marriage, but still pay the loan for the first wedding.

And even if you are lucky enough to meet the love of his life, the debt can significantly darken your co-existence. 37% of Russian families quarrelFamily quarrels and violence because of money. A large loan - and the wedding usually take far 50 thousand - can become a long-term fuel for the scandals.

For reference: the average loan rate is 13.34%Interest rates on loans and deposits and loans and the structure of deposits by maturity, The size of the consumer credit - 188.4NBCH: in Q2 2019 the average size of issued consumer credits increased by 6.9% and amounted to 188.4 thousand. rubles thousands.

Suppose that the couple take so much. If the loan for 2 years they will have to give nearly 9000 per month and overpay more than 27 thousand. Already a lot for a country with an average monthly wagelabor market, employment and wages to 49.3 thousand rubles.

The loan will hang on you for several years, during which the financial situation can change. For example, in a young family child will, Because of what the income will be reduced, and costs will rise. The money required for the resettlement of life. Finally, from the wedding experience will begin to fade and it will be difficult to understand why because of a cheerful day, you have to give up the entertainment for the next 3-5 years.

Why take out a loan for the wedding dangerous

Usually people who despise a lot of money in the celebration say they are doing it for a reason. They are "dreams come true", "embedded in the memories, emotions and experiences." If it is paid at the expense of savings, why not. In the end, people spent on travel, but it is also primarily pictures and emotions.

Another thing, when it comes to loans. Relate to loans worth seriously. If you want financial stability, they need to take only the really necessary things. And you should always have a plan how you will give, if something goes wrong.

Even if you bought the iPhone's credit, you can always sell it at a discounted price and compensate at least part of the loan. to the wedding costs mostly involve not purchase, and payment services. Therefore, selling you will almost nothing, only if the kidney.

Here's the real storyA resident of Novosibirsk sells kidney because of the credit to the wedding: In 2016 a resident of Novosibirsk tried to sell a kidney to pay off the loan, taken at a wedding. Keep in mind, organ trafficking is illegal in Russia. Although legally earn on your body as possible, but in other ways.

It is possible that a loan would be an excessive burden and you have to say goodbye to a part of the property, start saving literally everything, to declare bankruptcy or to meet with collectors - and it's all bad development options events.

It would be naive to hope that you whacks wedding gifts the guests and to repay the loan. It is difficult to projected income item. Maybe your calculation and justified. But history knows many cases when the guests were given not even gifts instead of money, but simply empty envelopes.

As a loan for wedding deprives opportunities

Suppose the couple did not take credit for the average wedding. They modestly celebrated the wedding, and then began to set aside money that could pay the loan. After 2 years, they would have saved 215,000.

Money opens a lot of opportunities. For example, they can be a down payment on the mortgage. This amount is enough to start investing or start their own business. At 215,000, you can finish several professional courses and to significantly increase the income of both spouses. With credit still do it will be difficult.

As the financial burden can lie on someone one

Wedding as a plantain - is able to heal any relationship. At least, many people continue to think so. Surely you have friends who think that after the marriage partner is sure to change. Or the people who made the decision about the wedding, because their situation "had two options: to leave or to get married."

This is a dangerous mistake because the stamp in the passport does not solve relationship problems. Perhaps the euphoria of a holiday for some time to turn in their partners the best version, but not for long. So great is the risk of divorce. There is a chance that the relationship will have time to finish before the wedding. And in both cases, there is another danger.

A loan that you took before the wedding - the zone responsibility of the person to whom it is issued. Respectively, who took it, and what to pay. If the money has already been spent, the debt will become a big personal problem for the borrower.

What if the money for the wedding is not enough

Take out a loan or not - your business. But unforgettable celebration can be organized within a modest budget. Invite a holiday only those you really dear and close. Yourself enjoy a decor, choose a bouquet of roses is not a rare variety and of wildflowers.

Lack of money is necessary to compensate for the additional waste of time, but perhaps because the holiday will be even more memorable.

But do not forget that all the marriage ends only in fairy tales. In life, it is the beginning of family life, where else will the happy days and occasions to spend the money.

And you took out a loan for a wedding or do without the loan? Tell us in the comments.