Wedding Invite

How do I say no to a wedding invite?

A: It’s important to be part of people’s special events. One of the hardest times to stick to what you can afford is when you’re invited to a wedding, an occasion that is ripe for overspending and guilt tripping. Two words can strike financial fear in potential guests: destination wedding.

A lot of our financial mistakes happen when we don’t want to be seen as cheap or the type of person who places money over family or friendship.

However, keep this in mind: An invitation is not a court summons. Also, there’s this: No is a complete sentence.

You do not need to explain your decline of an invitation. 

My grandmother Big Mama taught me many things about money management, but one of the lessons that has served me well centers on living with financial integrity, which she defined as doing what you can afford with no regrets — or guilt. 

If cost is an issue, unapologetically live within your means

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Style

Your style in three words… livable, impactful, thoughtful  

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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Free Spirit

You’re made up of equal parts courage and fear. You’re brave enough to start any old task that pops into your overactive mind but too afraid to finish one godforsaken project. You balk at the notion that if one door closes, another one opens, because, afraid of making the wrong decision and missing opportunities, you leave them all ajar. Your life is dominated by what-ifs, and you’ll likely never learn to take definitive action—at least not until you crack the top of your skull on a cabinet-door edge.

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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Four Questions To Ask Before Lending Money

  • Am I really in a position to be giving money right now? If you have to pull from funds you’ve set aside for critical expenditures like rent, car payments and health care bills, you probably shouldn’t lend the money. 
  • If I do lend money, is this an amount I am willing to lose? If a friend doesn’t pay you back on time or doesn’t pay you back at all, make sure that doesn’t put you in a financial lurch. 
  • Is this person on my shortlist of loved ones I’m willing to give money to? You probably can’t give money to everyone who asks — so create boundaries around your finances. 
  • Is there another way I can help during this difficult financial time? Maybe have a candid conversation with them about their spending habits. Or help them with childcare so they can pick up a few more shifts at work. 

According to Singletary; Wendy De La Rosa, assistant professor at the Wharton School of Business; and Berna Anat, author of Money Out Loud: All the Financial Stuff No One Taught Us.

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Risk

Ask yourself what the risks are of prompting some hard conversations, versus the risks of staying quiet as the situation gets worse…We can move, or we can stand still. We can act, or we can stand by. But no matter what we do we cannot escape risk. Every decision contains consequences. Every moment defines the next. And sometimes, the greatest risk comes from not doing the hard scary thing…

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real-life wisdom on to others as I embark on this new venture of “positively purging”, as I know each of these pieces represents something…

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