Saving before you’re engaged? That’s crazy talk!…Or is it?

One thing that Pinterest continues to remind us is that all women were once little girls with big dreams. Dreams about their perfect wedding day. About the beautiful ring. About their knight in shining armor. And about The Dress.

So we all plan our whole lives and then we wait. Wait until the day we meet The One. And then we wait some more. We wait until The ONE  asks us to be his wife. And THEN we frantically scramble to pull off the jaw-dropping, fairy tale wedding of our dreams within ONE YEAR!

But.

What if we didn’t. I don’t mean stop dreaming and scheming about the big day (that’s just crazy talk). I mean what if we didn’t wait until we were officially engaged before we started saving to make the wedding of our dreams a reality? Again. CRAZY LADY.

Or not.

Just think, the average wedding was almost $27,000 in 2010 – not including the honeymoon, and seriously who doesn’t want a killer honeymoon!? With the average engagement lasting 14 months that means you need to save NEARLY $2K A MONTH. That doesn’t even factor in vendors that require up front deposits (which you haven’t started saving yet).

Ironically the first time I heard about the idea of saving for a pre-engagement Wedding Fund was from a guy(Ramit Sethi in I Will Teach You To Be Rich). Then again, maybe it’s not ironic since most women are afraid of seeming crazy by having a “Wedding Fund” without even having a man. But what’s crazier? Starting to save a couple hundred a month in college or when you land your first job? OR waiting until you get to save $2K or more per month? [Note: No judgement here. I didn’t read Sethi until post-engagement, when my fiance and I started talking about finances – oh the irony…So that places me firmly in the latter group. Bring on the Top Ramen dinners!]

Not only will you be cutting out one of the biggest stress factors of a wedding. Planning early means you can still enjoy those Starbuck’s lattes and splurges along the way (hello facials and shiny new shoes I obviously need for my bachelorette party…and bridal shower…and honeymoon). Or if you need to skip a month, you can without hitting your carefully set wedding budget.

Maybe it’s not for you. Maybe you’re afraid he might think you’re crazy. But do you seriously think his reaction will be, “I’m out! She’s nuts. Wedding Fund!? What is that!?”.

Or do you think he’ll be all like, “Dude, SWEET! I’m the luckiest man on the earth. Not only is my fiancee super hot, intelligent, witty and A.M.A.Z.I.N.G. in bed. She already has a Wedding Fund for us. Woot! Woot! No living on Top Ramen for a year!”…It will be something like this. Trust me.

P.S. You can check out an overview of Ramit’s wedding budgeting break down on his blog here.

P.P.S. GUYS (and girlfriends who love their guys and big, shiny engagement rings) – You should also think about a pre-engagement fund. Because unless you seriously think you’re never getting married, when you finally know – you’re going to want to immediately get that girl off the market. So why not already have enough saved to buy the woman of your dreams the ring of hers.

[Photo Credit: 1.) Pinterest: A place of imaginary weddings and kids – Pinned via Web/Jessica Martin 2.) Infographic on the True Cost of Tying the Knot – Credit Sesame]

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