Tag Archives: marriage

Holy Sh… Estimated Taxes… WTF… as a Married Couple

Getting married is wonderful for so many reasons. Taxes is not one of them. Besides the horrific marriage fine levied by our tax lords if you happen to want to be an independent woman and continue working post tying the not, there’s also a whole host of tax intricacies which suddenly make TurboTax no longer a viable option and accountants your new BFF.

My husband is an independent contractor.  He usually makes anywhere between $80k and $110k per year, depending on how business is going. As a single person, he was able to take advantage of safe harbors designed to protect self-employed folks from overpaying taxes to avoid fines for coming short on estimated tax payments.

Safe harbors for estimated taxes for single, self-employed folks basically say that you can either pay 90% of your current year’s eventual tax bill OR 100% of your prior year’s tax bill. As a single person, this is pretty easy to figure out — even if it’s hard to guess what 90% of this year’s tax bill will be, you can pay 100% of your prior year’s tax bill and know you’re safe from fines, even if you end up owing more at the end of the year. If business isn’t going quite as well this year, you’ll get a refund, and you’ll give uncle sam a loan for a while, but it won’t be that bad.

Of course, getting married makes this all sorts of more complicated, requiring expensive accounting help to make sense of this mess.

Estimated tax safe harbor for higher income taxpayers. If your 2016 adjusted gross income was more than $150,000 ($75,000 if you are married filing a separate return), you must pay the smaller of 90% of your expected tax for 2017 or 110% of the tax shown on your 2016 return to avoid an estimated tax penalty.

Thank you IRS for an explanation that is not clear at all. It sounds like if your AGI is over $150k as a single OR married person you are considered a higher income taxpayer. This means Mr. HECC would not have been considered a high income taxpayer as a single person, but now that we’re married we’re well over $150k and he can no longer use the safe harbors for his estimated taxes.

Instead, we have to pay 110% of our 2016 taxes (including my taxes) in order to not get penalized this year. Suddenly, my W2 withholdings are no longer an annoyance of over or underpayment to the government, but they can result in substantial penalties.

So – we need an accountant, stat. I consider myself fairly financially literate and the IRS explanation of all of this is the most confusing thing I’ve ever read.

Are any of you married with one partner earning W2 income and the other self employed? How do you manage your estimated tax payments?

Our Marriage Tax Penalty: How It Played Out

There is a lot of misinformation about the marriage tax penalty. While it’s true if one spouse doesn’t work and the other makes any amount of income, the couple will get a “marriage bonus,” once both partners are working and making enough income to live, esp in a high-cost-of-living area, the tax penalty is going to kick in.

The worst marriage penalties are seen when you have kids and lose deductions based on income, but I’m going to share in simple terms why we received a marriage penalty this year – this beautiful first year of our marriage – due tour income.

Federal Taxes Only (State marriage penalty not included below)

Mrs. HECC
Income: $195,000
Single Filer Tax: $47,749.25

Mr. HECC
Income: $105,000
Single Filer Tax:  $22381.75

  • Total Couple “Single” Federal Tax: $70131
  • Married Filing Jointly Tax: $74,217

And, just in case you’re wondering, it is not better to “file separately” as a married couple — this is not the same as filing single (which you can’t do when you’re married.)

Married Filing Separately:

Mrs. HECC

Income: $195,000
Single Filer Tax: $51,958.50

Mr. HECC
Income: $105,000
Single Filer Tax:  $22981.25

Total Married Filing Separately:  $74939.75 

As you can see, if you have somewhat higher incomes, the marriage tax penalty will be quite notifiable.

If we never got married… $70,131 in taxes
Marriage Fine (Filing Jointly)  +$4086
or, Marriage Fine (Filing Separately) +$4808.75

This plays out similarly in state taxes.

Yes, we’re fortunate enough to be high-income earners – but we also cannot afford a house. So there’s that.

 

Thoughts on the Marriage Tax Penalty, Now that I’m Married

Unlike many unsuspecting newlyweds, I was well aware of the marriage tax penalty long before I got married. It seemed like a cruel joke that the tax brackets were different for married couples than singles, and that once married you no longer could file as a “single person.” There’s plenty of publicity around the “marriage bonus” but this only applies if you have one working person in the household. If both partners work and make about the same amount of money, you end up screwed.

I got married anyway.

The marriage penalty impacts different classes in different ways. The worst impact is on lower income couples who end up phasing out of tax credits and other benefits such as healthcare allowances if both partners work, even if together the couple is still together earning at poverty levels. For middle income couples in high-cost-of-living areas, the $1k-$10k+ that has to be paid to the government just for the privilege of being married is significant. Is love worth that much? Continue reading

crying-depressed-bride-jpg

Post Wedding Depression: Yes, It’s Real

Weddings are beautiful and ridiculous and a waste of money and worth every penny spent. Over the last year I obsessed about the details of my nuptials, but like many girls who grew up on Barbies and Sweet Valley Twins, I had been planning my wedding day in the back of my mind since I was a flower girl at the age of four.

My friend, who also got married this year, made a great point to me about her non-planning wedding planning – if she cared about any one detail too much then she’d be looking for that to go right and noticing if it went wrong, and would be disappointed on her wedding day which is supposed to be the happiest day of her life… so she decided to just let it be.

I, on the other hand, spent what equated to pretty much a full-time job interviewing photographers, musicians, venues, florists, makeup artists, et al. I didn’t hire a planner because I knew I’d drive them crazy and still end up doing all the planning myself. Continue reading

Screen Shot 2016-08-20 at 1.00.32 AM

Working Moms: When is the best time to have kids?

The answer I get re: when is the best time to have kids is “there is never a best time to have kids.” I’m sure that is true, but there is definitely “a time when it becomes harder / impossible to have kids” (at least naturally), so I’m trying to make that deadline without pushing it too much.

When I was younger, I thought 30 was old. I’m now turning 33 in 3 months. Thirty-three is fine age to have kids, but I always thought I’d have my second by 33. Now I’m looking at not yet even having my first.

Continue reading

bw-chalkboard-money-sign-adapted-free-images-graphic

Can We Afford Life on a dual-income, one Teacher’s Salary?

My husband is adamant that until I get my ADHD mess in order, we should not discuss the future. He has a point. I am good at planning for years down the line, but in terms of “today,” my life is a mess. I still cannot get myself to work on time and despite some progress in the cleaning up department – my laundry never manages to make it from the drier to my closet. It’s completely fair for him to state that until I can stick to a basic routine, we should not discuss the future.

I know if I can just keep the house clean (well get it clean and then keep it clean) and leave the house in the morning to get to work on time, he will, eventually, be willing to plan life with me. I am trying to get rid of things and simplify as much as possible so that there is just less stuff to create messes. It definitely helps. Continue reading

Marriage Is the Worst Financial Decision of My Life – And I Don’t Regret It

The marriage tax penalty is real and it is painful if you live and work in a region of the country that tops the “highest cost of living” lists. While you can make the argument that this is a “choice” and that incomes tend to be higher in that region versus the rest of the country (if you work in a high-paying field), it still doesn’t balance out. I’m glad that I knew going into marriage it was the worst financial decision of my life (my husband says the wedding was, but actually the cost of the wedding was pennies versus what I’ll personally lose over my lifetime, financially speaking.)

There are numerous benefits to marriage, and above all else I’m a sap who believes in love and cares more about stability and security than wealth. I’m happy to be married. Happier than I thought I’d be (at least a month in) as it shockingly feels very different from being single. I didn’t expect it to feel different at all, especially after dating over a decade and co-habiting for the last two years. The only difference, I thought, would be that I can’t just walk out the door without repercussions, and neither could he.

Continue reading

Keeping Married Finances Separate – Is it Possible?

We’re married, now what?

Against the wiser half of my brain, Mr. HECC and I did not go through a formal financial planner before we got married. We didn’t get a prenup (he’s opposed to them and even though I think it would protect me I find them terribly unromantic and I wasn’t going into a marriage with any easy out of divorce, since I think the point of marriage is that you shouldn’t get divorced.) I hope I won’t link back to this article later filled with regret, but I’m feeling good about that decision at the moment.

When it comes to finances, many married couples merge their finances by default. In the case of a divorce (at least in California) the money gets split anyway, so why keep it separate while married?

We’re both very fortunate that we bring no debt to the table. While he has been less proactive in his career and has saved significantly less than I have, we both are financially stable compared to most newlyweds. I believe together we have about $450k in savings – not bad for “just starting out.” However, I’m still unsure on how to handle finances going forward. Right now we’re both working and fairly independent so it’s easy – we split major household costs — food and rent — and then everything else we pay for out of our own budgets and earnings/savings. What I don’t want to happen for either of us is that we don’t strive to earn more income because the other is making up for it. Neither of us LOVE working so it would be unfair to the other person. If I end up taking a job that makes less money, I should just focus on spending less on myself. If we cannot afford to live in this area, then we need to move.

In this WSJ article from 2014 financial planners/writers argue for and against merging accounts as a married couple. One says keeping accounts separate is the secret to a peaceful, happy marriage – and the other says merging accounts builds trust. The commenters tend to think having separate accounts is bad, one of them writing “it’s nothing more than an exit strategy.” I disagree.

I don’t think we have to merge accounts to talk about finances and plan together as a team. I also feel very passionate about having my own money. If my husband were to get sick and need help, or even if he were to want to go to school and not be able to afford it, I’d put the money down then he’d “pay me back” over the years. I’ve borrowed money from him as well because he keeps his savings more liquid and mine is tied up in investments. In the end during retirement we’ll split what we have.

He knows I’m much better about financial planning than he is, sans my shopping addictions, so he generally trusts me to manage our money within reason. I like him keeping his own separate because then he never feels a lack of independence or ability to buy his own shit (i.e. he can back as many Kickstarters as he likes even if I think it’s a waste of money, and I can go splurge at Nordstrom Rack even though that’s probably a bad idea too.)

When we have kids I think things will change. Kids are expensive and to be fair to them we’re going to have to marge a chunk of our finances to cover their lives which will be a lot of our income. If we buy a house, things might change as most of our savings will go into that together. But I really don’t see what’s so wrong with keeping our accounts separate. Yes, it makes it easier to split our finances should we ever get divorced (not that I’m planning on it) – but it also is good for us to know who is really pulling the financial weight in the marriage and who has to contribute more to the household if their earnings aren’t as high. Luckily Mr. HECC is awesome with kids and will be a great part-time stay-at-home dad should we decide that makes sense one day.

In any case, a part of me thinks it would be nice to have totally merged finances, but I don’t see the point. Half the internet has me thinking I’m a horrible person here, but wiser financial savvy people (esp women) don’t want to merge their bank accounts.

We are probably going to keep doing what we’ve been doing… separate accounts but he pays the rent check and I pay him back (eventually) for what I owe — I pay for all food on our 2% cash back card and then I deduct half of that from what I owe him. I’m thinking now that we’re married we might want to merge our travel and healthcare costs – but even that seems unnecessary at this point. Ie for healthcare he currently pays $400 a month as he doesn’t get it through his work. My work will cover him at 50% with better insurance, so if he goes on my health plan (which he might) I think he should pay the full amount he is responsible for, and I’ll pay my piece which is less because my work covers more of my amount. It is his choice to not get a job with health insurance therefore I don’t think I should have to subsidize that. I believe people need a little kick in the ass (husband’s included) to improve their careers and nothing sabotages that more than just paying for their inability to seek better employment.

Now, if we have a kid, and one of us decides to stay at home to take care of them, or if someone goes to school for their master’s, that’s different – but I don’t consider opting to not look for a better job a reason for me to pay more for him, and he agrees.

It might not be romantic, but marriage is a business as much as it is about love. To us it’s more about love and less about business. I hope I can inspire him to save more towards retirement over the years, and also to either take on a job that pays more or become a teacher which will pay about the same but provide more flexibility for taking care of children and also likely more happiness in his life. I just don’t think merging finances is really something we need to do. I know he doesn’t want to do it.

According to a 2010 report, keeping money separate is a leading factor in couples breaking up. But it’s hard to really claim that to be true because it would consider couples keeping money separate and not sharing any information about how they spend the money with each other and couples that just keep separate accounts but who are transparent about their spending.

The argument that sharing forces you to commit is a silly one. We wouldn’t have gotten married if we weren’t ready to commit. Yes it’s harder to disentangle yourself if your merge your finances, but I find that an immature reason to merge your money.

Another argument is that separate money undermines the financial stability of marriage. I guess that could be true, but as long as you remain responsible for your own money and having enough to cover your own emergencies, why create shared accounts? I still want my own financial security, and my focus is on helping Mr. HECC achieve his. He wants to, and I think he can – he’s much more frugal than I am, so it is easier for him.

Instead of feeling like you have to lie if you want to splurge a bit, keeping money separate allows you to know what you have and keep living like an independent adult. I’m glad we agree on keeping finances separate, and I hope we continue to be able to do this successfully and still be happily married.

 

Wedded Bliss and Chaos and Thank God It’s Done

I’m back. From my wedding, that is. My ridiculously expensive, I now wish I could go back and revise my budget (and stick to my original budget) wedding where in the grand scheme of things I’m over the moon to be married despite it not really changing much of anything in my 10-year relationship. After a very short mini-moon we just returned home and things are back to normal, except I have a ring on my finger and he has one on his desk because it’s too tight and he needs to get it stretched. And, in the eyes of the government, we’re legit family now. If I die he gets my savings. I guess I should watch my back. 😉

So I have a lot to say about the wedding, but I’ve spent my last week spinning in circles on what went right and mostly what went wrong, and I’m not sure how much I can get out right now without going off a deep end. The wedding itself was lovely. People had fun – some told me it was the best wedding they’ve been to with such passion I actually believe them. The food was great (so I’m told, I didn’t get to eat much of it – damn missing cocktail hour for family pictures) and my band rocked (despite more than half of the guests spending most of the wedding outside on the beautiful balcony overlooking the lake and missing the entertainment.) I’m trying to look on the bright side of things because a lot went right at the wedding. The ceremony was magical and just perfect – his uncle officiated and we spent a lot of time revising the script so it really reflected us and wasn’t a standard boring wedding. It was super hot and I’m shocked none of the black-tux wearing groomsmen passed out, but other than that the ceremony was a success. Ok,  than the fact that my florist sucked and put the cheapest wrinkliest possible fabric on the previously beautiful birch-wood arch causing it look crappy and the violin-cello duet chose to play “Yesterday” right before my groom walked down the aisle (which, is a beautiful song, but “yesterday all my troubles seemed so far away now it it looks as though they’re here to stay” is not what you want to hear the second before you are to meet your wife at the alter, even if no actual lyrics were involved in the playing of the song at that point.) I’ll give the ceremony a 9/10. It wasn’t perfect, but it sure came close.

I’m such a perfectionist, of course, I’d never be fully satisfied with my own wedding – especially after spending – between my parents and myself – upwards of $70k or even more on one day. I haven’t added everything up yet, but I’m pretty sure we are at least at $70,000 total for a Sunday night wedding in June. I really wanted to stay under $40k and the original budget was $50k so… I failed. After the wedding, I worried I’d feel a huge letdown and be so ashamed to have spent that much money on one day and, while I do think it’s ridiculous, I felt that one day was so full of richness that it was more than just 24 hours. Or, as I tell my now-husband, I want to talk about the wedding every day for the next year at least and ensure it provides some entertainment to our lives so we can amortize the cost of it over the next 365 days. 🙂 But, really, while I know I’m very fortunate to be able to spend that much on a wedding – and equally aware that weddings that cost $5k or less can be just as memorable and wonderful – for me, and for my guests, it was the right wedding to throw. Looking back, I could have saved at least $10k by not splurging in places that didn’t matter (*cough*flowers*cough*) but mostly I wouldn’t have changed a thing. Except my florist and my dress.

My florist was an unfortunate mistake. She meant well -and the flowers weren’t awful by any means – but spending $4500 on flowers was something I was against from the beginning and by two months before my wedding I had gone off the deep end and gave into the wedding industry. My father was paying for the flowers and my parents kept telling me they wanted wedding flowers, nothing tacky (which means nothing cheap looking) and so – after my initial $2k florist flaked on getting me a contract – I was stuck with no florist and went with the best of what was still available, or so I thought. She was a lovely, passionate woman who tried really hard but in the end there’s a certain thing called talent and also something called skill and I think she lacked in both departments – maybe skill more-so than talent, but for $4500 I expect … more than what we got. Well, we got a lot of flowers, for sure, and they were fine – just not flow-y and green like I wanted. She didn’t get the style. The only thing that really bothered me, though, was the arch in the ceremony (now mentioned twice in this post.) The flower arrangements were huge — she says she needed to make them that big to cover the foam but my florist friend assures me that isn’t true. Then she added this horrid, horrible, no-good, going to ruin all my ceremony pictures and make me cringe fabric to drape on the beautiful birch wood arch. When I showed up to the venue and saw it, I freaked, and send the women there and my florist friend (who happened to be my bridesmaid) into a flurry trying to figure out what to do. I was not in the right brain mode to make decisions at that moment so when they asked me if they should cut it down, after one side was already cut down, I said no – and then they wrapped it to the pole making it too short and look even worse. What I realized later is that the drape of fabric at the top not only looked cheap as all hell but also casted horrible shadows on our faces – especially my groom’s face. I went back to the picture I showed her of the draping (as I did ask for this) and it featured a very, very skinny transparent and not-cheap looking fabric (i.e. no wrinkles, folds or pulls) and it barely covered the wood. Her version was just tacky. Later she told me I should have called her to come back but I wasn’t thinking straight at the time. She knows it looked worse once they cut it down and tied it but I was trying to fix things and going absolutely crazy. My $4500 flowers turned my almost-perfect ceremony aesthetically into quite a disappointing picture. — Then, my sweetheart table actually never had flowers on it — she had told someone at the venue to move the special arrangement she made for it to the table after the cocktail hour but whoever she told didn’t remember so we had no flowers on the main table that was being photographed all night. That was less of an issue but just something that I look back on now and realize damn, I should have hired a wedding coordinator for the day of the wedding. I really needed a wedding coordinator.

Ok, so the one thing I didn’t spend on – that I wish, I wish, I WISH I did was a wedding planner. Wedding planners come in all shapes and sizes and costs and not all would have been helpful. A planner for a full wedding (i.e. someone to do what I did in sourcing vendors and venue et al) would cost $5k or more. But month-of planners are around $1.5k-$2.5k. Most are $2k. They help you the month of the wedding make sure you’re not forgetting anything and most importantly manage the crazy that happens the day of the wedding to ensure nothing goes wrong. I desperately needed a month-of planner and almost splurged at the end for one, but at that point I was thinking I already had everything planned and my venue was known for its awesome on-site ceremony coordinators, so why should I spent another entire laptop computer to get someone to help manage the day. Ugh. Wrong decision.

If I had a day-of coordinator…

  1. I wouldn’t have been late in the morning so we would have had an hour more for pictures, and I would have gotten the bridal portraits that I wanted from my $7500 photographer that now I’m worried will have captured no decent pictures because they were all super rushed.
  2. My dress wouldn’t have been all disheveled in all the pictures and my necklace would have been straight because I’d have someone with me at all times to help me fix my outfit and look my best – which, when you’re spending $7500 on pictures, you want to have someone there to help you out. My photographer did not do that really. (*probably picked the wrong photographer and spent too much on that too – we’ll see.)
  3. My mother who freaked out the whole day, showed up super late to the venue, ended up screaming at my flower boy and causing his entire family to storm out of the wedding, would have maybe been a little more managed and manageable with the help of someone else – not sure this would have helped, but I really needed a partner in helping manage my mother who, at numerous points throughout the day, threw a temper tantrum and made a few people really upset/cry (including myself.)
  4. The venue wouldn’t have lost our important ceremony glass (that we poured in the ceremony and were to send off to an artist to make into a sculpture.) I have no idea how they lost this, but somehow it got misplaced. They still haven’t owned up to losing it yet, but where else did it go? It was in a vase that was also ours and that is gone, along with six glasses that had held the glass before we poured it. All gone. And they threw out extra copies of our ceremony programs that are worth $3.50 each (I splurged on those but they were amazing and I figured I’d have extra to frame/keep/send to the bridal party etc but nope, they threw them all out and claim they were all used/taken which is a lie.) If I had a coordinator they would have made a list of all the items to collect back at the end of the night and made sure things weren’t lost. I COULD have done that or assigned someone else to this job, but I forgot as I was focused so much on the wedding itself I didn’t think about after it. The venue did let us keep things there overnight and packed up all our stuff for us, which is nice, but then they lost these important items… I’m still really bummed about it. The sculpture place can get new glass and remake it but it kind of defeats the sentimental purpose of the glass pouring ceremony. The venue doesn’t seem to give a shit about it. I am going to write them a review today and see if it inspires any more compassion.
  5. I failed at feeding my bridal party properly the morning of the wedding, which was a mess. My friend helped source wraps for us but there weren’t enough and a lot of the bridal party didn’t notice they existed. I didn’t realize that most of the bridesmaids hadn’t eaten the free breakfast at the hotel or the wraps (that weren’t that great but nonetheless they were there) which left me frantically trying to find local delivery services in the limo. Well, taking a step back I made the decision to get ready at the hotel because the venue charged $600 to get ready there plus $50 a person for every person over 7,  which was just silly in my mind since we also couldn’t start until 11 then and my makeup artist had to leave at 2:30. The logistics of the day were wonk and as we were an hour behind schedule everything ended up worse. The girls did finally order Panera Bread at the venue and someone went to pick it up for them, so that worked out ok, but it was probably 2pm or later before they ate – which was horrible. The did have a cheese plate at the venue at 1 so people noshed on that but it wasn’t enough. One of my biggest pet peeves as a bridesmaid is not having decent food options in the morning  (because it’s a super long day) and I managed to fail at planning this appropriately. If I had a coordinator they would have made sure this was done without me even thinking about it.
  6. A coordinator would have helped with other little things throughout the night… so many little things that I could have asked them to fix and it would have been done, or, if they were really good, they would have thought about this in advance and I wouldn’t have noticed them in the first place.

Now, granted, there are so many different coordinators out there, and not all of them are both talented at wrangling neurotic Jewish mothers while aesthetically altering venue decorations and making the call to remove cheapo fabric from the arch or recommending in advance not to put it on there in the first place and being able to run around and make sure my damn overpriced Swarovski necklace wasn’t off center in all the pictures — I didn’t believe I could find someone who was capable of all these things, so I decided not to hire anyone. I should have spend much less on the flowers at put the saving into a coordinator. That was my biggest mistake.

The dress itself was a headache from the get go and I spent too much on it and I think I looked horrible. My groom loved it and thought I looked great, and others said the same, but I can barely look at pictures of myself in this dress… it’s that bad. Now, I don’t have the world’s greatest body image but I frequently like myself in nice dresses. Not so in this dress. First off – it was strapless, which was one of the things I didn’t want in a wedding dress because only girls with rail-thin anorexic bodies look ok in strapless dresses… and I’m not one of those girls. Strapless dresses also have to fit just right to not fall down but then also not make you budge in all the wrong places. The tailor at my dress shop didn’t seem to understand this and she first made it too loose and then tightened it to the point where all you can see is my back fat. The dress itself is worthy of its own post at some point because the dress shop was a nightmare to deal with and I spent $7000 on my wedding dress which is crazy and I expected that after spending so much I’d have a good experience in alterations and finally be happy on my wedding day but not so much. I do have expensive taste (surprise) and really it’s a fucking scam the wedding dress industry as $2000 dresses are pieces of shit and to get a dress that is made nicely with good fabric you have to pay $5k plus OR find a used dress/sample. I wanted to get a used dress but then I worried that it would cause unnecessary issues so I splurged and spent $7k and – had the dress been perfect or close to it, I’d say, yea, it was worth it – but… I just look silly in it. And my chest/back/arms aren’t flattered by the shape, nor is the rest of my body. I lost 30 pounds for my wedding and I look at the pics (*not the professional pics yet – hopefully those will be better) and just see fat arms and a fat back and fat chest. Yes, they’d be there in another dress – but had it fit better / had I ordered a dress with straps and a more flattering neckline / had the tailor figured out how to fit it to me properly – maybe it would have looked less awful. I’m bummed about the dress. I hope there are a handful of pictures from the professional photographer where the angles make me look better. I worry I booked the wrong photographer because he didn’t seem to be working angles so much and I should have just booked one of the female photographers who understand how to pose women to make them look good. This photographer I hired is very talented but he typically works with thin NY brides who would look good from any angle. I’m worried I won’t have one picture that I feel good about. The pictures come back in about two weeks now… I’m a little scared at this point, because that’s the only thing we keep with us from the wedding other than our memories (and the video, which we get in six months, and that will undoubtedly feature the starring character of my fat rolls and double chin) — but it is what it is. I don’t HAVE to look at our wedding pictures or video ever. I’m just bummed because I wanted to look beautiful on our wedding day and I hate how I looked. My hair was weird and falling down and my veil was put in the wrong place and slightly off center and it all went so fast I didn’t have time to stop and adjust myself or stand better or anything.

I almost want to have another wedding to fix all these things – except, thank fucking g-d I’m never getting married again. That’s the one good thing to come of all this… it’s done, and we’re quite committed to never getting divorced, and I don’t have to ever do this again (except when my hypothetical future children get married and I hope I can use this knowledge to help ensure they actually can enjoy their weddings.)

Anyway, I’m married. I was surprised how different it felt… it really does feel like things have changed. I don’t know. They have and they haven’t. We still live together in the same apartment. We still say the same things to each other. I still have to go to work in the morning and he still works from home and wakes up late and stays up all night. So what really has changed? We’re keeping our finances separate for now (at least on paper) so nothing is majorly different. But it feels like I’m, well, married. I guess the biggest change is that we want to have kids and we always had said we’d wait until we were married and now there’s nothing really between us and the having kids phase of our lives other than actually getting pregnant (which will be challenging with my PCOS and maybe impossible – but nonetheless there’s nothing stopping us from trying now.) So maybe that is what feels different… because I’m old-ish (I’ll be 33 in November – fuck.) And, you know, baby-making years are limited. And although I am so immature I also feel ready to have a kid. And, moreso, I want two or three kids (at least two) and while I have time to have the first one, it’s going to get tough when I want to spread out having a second a little bit. I see my friend with her crazy three year old who is now pregnant with her second and I think god how hard it is to have two so close together – and that’s not even that close together, that’s really four years apart. If I manage to get pregnant when I’m 33 then I’ll have my first at 34… which means trying for my second pretty soon thereafter. I probably won’t end up having three – which is fine – I’d be happy with two (or one for that matter, but I really want two) — and… I still don’t know logically how this all works (can’t afford house here / job situation not going well / I can’t imagine working this type of job and being a mother / I think we have to leave this area to a place that’s more affordable / we’ll figure it out when we have kids I guess?) — but, anyway, what really changed is now there’s nothing between not being pregnant and being pregnant (other than getting pregnant) now that we’re married. We could have achieved that for a lot less than $70,000… and it would have come with a lot less stress and headaches and regrets… but then again, there were so many magical, unforgettable, priceless moments at my wedding that I think, in the end, it was worth it.

Wedding Ridiculousness

Don’t ask me how much this wedding is costing. I don’t want to know. Unfortunately I do. I am going overboard (and that’s an understatement) and yet I don’t FEEL like I’m having an extravagant wedding by any means. It’s just the little… and the BIG things… add up. The whole situation makes me sick to my stomach – yet I’m so far in I can’t dig myself out.

Case in point – hair and makeup trials. Who the hell cares what I look like on my wedding day? Me. I do. I’m vain. I’m vain but that’s kind of built into the whole wedding situation which requests of you to wear a big white dress and have the more photographs of yourself ever taken in one day. No pressure. I mean, the photos will likely be the only remainder of you long after you die and your children’s children’s children are looking back at that one picture that remains of their great great grandmother and there you are with the world’s worst hair and eyeliner that has run down your cheek. No fucking pressure.

Each hair trial is about $100 or so. Makeup trials run the same. I’ve done two makeup trials (which I think given the situation is reasonable) and have settled on the second artist. At some point I just have to accept my face is my face. It’s not horrible. I have a wonky left eye and eyelid and my profile is unfortunate due to the lack of a substantial chin and unsightly nose. But who cares, right? I mean – a wedding is about love and marriage and not all this fucking vanity that is costing me a fortune because I want so desperately for one day of my life to look beautiful before I turn into a shriveled up old women with no sex appeal whatsoever. Despite being 32, this wedding feels like the end of my extended delusioned youth. Hair, however, is proving to be a major issue. My hair is just… blah… and after three hair trials I’ve yet to really find a stylist I like. But I don’t think it’s their fault, it’s my hair, plus maybe unreasonable expectations for what it can do. We can add extensions (another $100+ investment) and I can go get it dyed (which I probably will do for $200+) and maybe after that one of these styles will look decent but you know what it’s really just my manly Hungarian cheekboned round face and fat arms that make the hair just not work. So. I’ve spent, oh, over $500 on hair/makeup trials (I KNOW I KNOW THIS IS INSANE) and I still don’t like my hair options. Since I’ve spent $7500 on a photographer and $7000 on my dress (including alterations) it just seems at this point rather ridiculous to have horrible hair – though, I’m unsure if it is more or less ridiculous to spend another $500 on finding the right hair stylist.

Then there’s the ACTUAL costs of the hair and makeup styling day of… my hair/makeup will be about $300, then I am paying for 8 bridesmaids to have their hair and makeup done (about $160 each) which I don’t have to do – but I want everyone to look good for the pictures and my girls aren’t vain like me so they wouldn’t spend that much if I asked them to chip in on their own. I’m trying to make this wedding as reasonable cost wise for them so they don’t hate me afterwards… their bridesmaid dresses, the ONE frugal thing in this whole freaking disaster of a financial experiment – were on sale from $290 to $109. Phew. One smart financial choice. Too bad that doesn’t actually help my or my family’s bottom line.

I want to look forward to this wedding. I really do. I know when I’m at the venue – even if it’s pouring rain and flooded and lightning and hailing and five traffic accidents have caused every last guest to miss the ceremony – I’ll still be able to look at my life partner and enjoy the whole “hey, we’re getting married” thing. I’m sure whether my hair is a complete disaster or perfectly coiffed he will still love me and still marry me and at the end of the very fast expensive day we will be married and we can move on with our lives and be adults and never again think to splurge so embarrassingly on a very brief experience that will be over and done before we can say hello to every single guest.

Weddings. Bah humbug. I make them a whole lot more psychotic than they need to be. For sure. But I’m not alone. I don’t think a lot of brides talk about it. Well, there are bridezillas who just have a lot of money to spend (or don’t but act like they do) and don’t worry about the costs. Then there’s me – a perfectionist who recognizes how stupid this whole thing is and how $70k+ that is now being spent on the wedding  would be much, much, MUCH better off going to a down payment on a house or grad school or a trip around the world or even 100 virgins (to do my laundry – what are you thinking?) and I’m so in over my head right now and although I joke here and there about how overwhelmed I am… I am really, seriously, completely, morbidly, enthusiastically, and maniacally overwhelmed at the moment. I feel a major depression coming on and trying to grasp onto mild mania if only to power through this and be able to actually enjoy this nut job of an event that will be occurring next month as long as my fiancé and I still have a pulse.

On top of all this stupid wedding crap, I’m trying to keep my job and do a good job and I’m so far off the mark on that as well. It doesn’t help that I can’t focus 100% of all my time on it, and it’s pretty damn clear I’m distracted which is likely going to cost me yet another job which I can’t afford to lose right now. I know I need to just let go of the wedding at some point (well I will once it’s OVER) but some details I can’t ignore. I have to figure out transportation for guests and make food choices and somehow coordinate the day’s schedule so my mother’s photography requirements do not force me to go future Dateline NBC-guest ape-shit and slash her with a cake knife half way through the evening.

When I think about everything that has to get done my thoughts drift to those common suicidal ideations which aren’t exactly real but nonetheless are so appealing as everything seems so impossible right now. I’m running faster than I’ve never run before but unfortunately it’s straight into a brick wall. I want out. I don’t want to feel like this right now. I should be excited. I should be so thrilled that my big wedding day is coming up and my friends and family are flying in from all over the country to see me and my man tie the knot and celebrate with us. I am excited about THAT but everything else is killing me. I mean. I think it might be literally killing me. I can’t handle it all. I should probably call my therapist but then what crazy OCD bride can actually afford therapy? Not this one, that’s for sure.

For the first time in my LIFE I’m at risk for not being able to pay my monthly credit card bills. That is terrifying. I certainly make a lot right now and luckily my fiancé has liquid savings we can spend (I’d pay him back of course) but – it’s scary when you look at your monthly credit card bill and it’s like $10,000 and you don’t have $10,000 sitting around to pay it. That’s when you know you are making DUMB AS FUCK (TM) financial decisions. At 32 I’ve saved $350,000 in networth so I keep telling myself it’s OK To splurge a little bit (or a lot bit) once in my life and then I’ll go back to frugal living and get myself to $500k in the next 2-3 years which is still a major accomplishment ($500k before 35 isn’t so bad) so … it’s fine. I just want to be able to stop worrying about how much it costs and focus on how much fun it will be. Or, you know, how much fun it will be when it’s over.