After Months of Planning, you are Officially Married

If transportation costs are going to be a problem, talk with your future spouse about ways to save in this often expensive and essential budget category. Marriage is a big, grown-up step, and a time when many people give up some of their youthful habits and possessions. Even if the furniture you’re each bringing to your marriage is much nicer than a futon and concrete blocks, most newlyweds want to pick things out together, things that are theirs. It’s a time when you can finally admit that the futon you slept on all through college is no longer comfortable or that the bookcase you made of concrete blocks and plywood really is as ugly as your mother keeps telling you.

Once you’ve set your spending limit, ask some questions to find out what each of you likes – and where you have common ground. Do you and your intended want a relaxing, tropical getaway, or maybe a romantic inn nearby, or are you going to slough off the coil and travel the world for six months? Whatever your desires – and your budget – look around online for ideas and deals.

The question is, house or apartment? It’s a question only the two of you can decide, but if you’re on the young side or not settled in your jobs, you may want to choose an apartment, or at least a rental house, at first. Whether you rent or buy, housing costs will consume about 34 percent of your monthly budget. Be sure to factor in the additional costs of a deposit on a rental or a down payment if you buy. And speaking of filling the nest, if you have the resources and are more settled, perhaps thinking of kids in the near future, then buying a house may be your best choice. It’s a way of keeping your options open later, when you’re more settled or have a growing family.

The first step is to talk about the things you already own and want to keep. Then, make a list of furniture you’d like to have, maybe new bedroom furniture or living room furnishings. And don’t forget accessories such as end tables, lamps and rugs. If you’re buying a house, you may need furniture for nearly every room. The next step is to prioritize your wants and needs, then create a budget and timeline for purchases.

If you’re in an apartment or don’t have space or time for a garden, look for a community garden or farmers market nearby. While you may be able to bask endlessly in each other’s company for days, weeks or months that first year, eventually you’re going to spend some money on entertainment, even if all you do is reconnect the cable that you forgot all about in your honeymoon haze. Last, but certainly not least, is entertainment. As the farm-to-table movement grows, they’re springing up all over the place.

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