כמעט כל הזוגות המאורסים היום מדברים על תקציב חתונה, כולם מבינים שזה "חשוב", והרוב בטוחים שמדובר בטבלת אקסל במטרתה לתעד את ההוצאות וההתחייבויות הכספיות המבוצעות לקראת החתונה.
מודה ומתוודה שנושא התנהלות כלכלית מעולם לא היה קרוב לליבי אך כשאני צופה מהצד על הפער העצום הזה, בין התפיסה של רוב הזוגות בשטח לבין המשמעות והמשקל האמיתי של הנושא, קשה לי לשתוק.
במאמר שלפנינו, אשתדל להסביר מהו "תקציב חתונה", איך בונים אותו נכון בהתאם ליכולות הכלכליות שלכם ואיך בעצם מארגנים חתונה בהתאם לתקציב שתגדירו?
אז מה זה השטויות האלו, "תקציב חתונה"?
תקציב חתונה הוא בעצם מסגרת כספית קיימת / עתידה להיות ברשותכם לצורך מימון כל הוצאות החתונה.
זה אומר שכל חריגה מעבר למסגרת זו תגרום לכם לסיים את החתונה במינוס, כלומר: בהפסד.
ולמרות שאף אחד מאיתנו לא רוצה להתחיל את חיי הנישואין שלו עם הפסד כספי, בהרבה מקרים, זה מה שקורה כתוצאה מאי הקפדה על התנהלות בהתאם למסגרת שנקבעה מראש.
בואו נדבר על זה: איך בונים תקציב חתונה?
ראשית, ממליצה לכם להשתמש בקובץ אקסל עם 2 לשונית: האחת לחישוב התקציב והשנייה לחישוב ההוצאות וההתחייבויות שיהיו לכם ככל שתתקדמו בתכנון החתונה.
חשוב להבין שאלו הם שני דברים שונים לחלוטין.
אם אתם לא בקטע של נוסחאות ועריכת מחשבונים, הכנתי עבורכם מחשבון שמשכלל את הכל בפשטות.
קדימה לעבודה!
לפניכם 4 עקרונות בסיס לבניית תקציב חתונה מותאם אישית, קחו דף ועט והתחילו לרשום:
קודם כל עליכם להבין מהו ההון העצמי המצוי ברשותכם כרגע אותו אתם יכולים להרשות לעצמכם "לשים בצד" לטובת הוצאות החתונה (למשל: 5,000 ש"ח שיש לכם היום בתכנית חסכון או עו"ש שאינכם זקוקים להם ביומיום).
מהו ההון שתוכלו לחסוך מידי חודש לקראת החתונה? (למשל, אם החלטתם להתחתן בעוד חצי שנה ויש באפשרותכם לחסוך 2,000 ש"ח מידי חודש, זה אומר שתוך 6 חודשים יהיו ברשותכם 12,000 ש"ח נוספים לצורך מימון החתונה).
זה בלתי נמנע, חשוב שתפנו להורים ותשתפו אותם בכך שהנכם בונים תקציב חתונה וחשוב לכם לדעת מראש את גובה המתנה שהם יוכלו להעניק לכם לכבוד האירוע המשמח בכדי שתוכלו להיערך בהתאם.
כמובן שחשוב לעשות זאת ברגישות ולהדגיש שמה שחשוב זו הנכונות ולא הסכום.
(וכך למשל, אם זוג הורים אחד מתכנן להעניק לכם 10,000 ש"ח והזוג השני 6,000 ש"ח תוכלו לציין בסעיף "מתנות הורים": 16,000 ש"ח).
הגענו לשלב הכי קריטי בתהליך בניית תקציב החתונה.
זהו הזמן לערוך שכלול בין מינימום כמות האורחים שיגיעו לשמוח לצידכם לבין גובה המתנה המינימלי הנהוג היום.
שימו לב שעליכם לחשב רק את מינימום האורחים שאתם בטוחים שיגיעו ולא את כל האורחים הרשומים ברשימות המוזמנים שלכם.
כך למשל, אם יש לכם 300 אורחים ברשימות, הכפילו 220 אורחים בלבד ב 300 ש"ח (גובה המתנה המינימלי הנהוג היום), הסכום שיתקבל הינו 66,000 ש"ח (קחו בחשבון שמדובר בתסריט פסימי וברוב המקרים יגיעו יותר אורחים שיעניקו מתנות נדיבות יותר).
לאחר שתסכמו את הסכומים שהתקבלו ב 4 הסעיפים למעלה, תתקבל המסגרת העומדת לרשותכם למימון החתונה.
לאחר שבניתם תקציב חתונה אישי, חשוב שתקפידו לעמוד בו.
שימו לב שככל שיש יותר טרנדים חדשים, כך העמידה בתקציב מאתגרת יותר.
אז איך תוודאו שלא תחרגו מהמסגרת שהקצבתם?
ערכו רשימת שירותים / ספקים שלא תהיו מוכנים לוותר / להתפשר עליהם (למשל: אולם אירועים, קייטרינג, בר אלכוהול, DJ, צילום, שמלת כלה, חליפת חתן, איפור ועיצוב שיער מקצועי, טבעות, אישורי הגעה) ומנגד, ערכו רשימת שירותים / ספקים שפחות חשובה לכם (כמו לדוגמה: עיצוב אולם, שדרוגי תפריטים, רכב חתונה, מגנטים, מתנות לאורחים, עיצוב הזמנות מיוחד וכד').
וודאו כי כל השירותים אותם הנכם מתכוונים להזמין עומדים בתקציב שלכם (למשל, אם ה DJ שאתם אוהבים עולה 7,000 ש"ח, זה אומר שיישאר לכם פחות כסף מהתקציב לשאר השירותים שחשובים לכם ולכן שווה לחפש DJ במחיר אטרקטיבי יותר).
לאחר שוידאתם שכל השירותים שרשמתם ברשימה הראשונה נכנסים בתקציב שהגדרתם (ללא חריגה) ונותר לכם עודף, זה הזמן להציץ ברשימה השנייה ולבחור על מה בא לכם להשקיע את הסכום שנשאר בתקציב.
זכרו שכל הוצאה, מהגדולה ועד הקטנה ביותר יכולה להשפיע על מאזן התקציב שבניתם ולכן חשוב לקחת את הזמן, לבדוק אלטרנטיבות ולנהל מו"מ חכם.
רגע לפני שתרוצו לראות אולמות אירועים, שבו עם כוס קפה וטלפון, וערכו סקר מחירים טלפוני עם אולמות האירועים בהם הנכם מתעניינים, תאמו פגישות רק עם המקומות שעלויותיהם עומדות בטווח המחירים שהצבתם לעצמכם.
עכשיו שהבנתם איך לבנות תקציב חתונה, אני מזמינה אתכם להיות חברים טובים ולשתף את המאמר עם זוגות מאורסים סביבכם.
ואם בא לכם לערוך את החישוב כבר עכשיו - לחצו כאן להורדת מחשבון מותאם אישית בחינם.
חשוב לי להישאר עם יד על הדופק, אשמח אם תשתפו פה בתגובות אם המידע עזר לכם :)
הצטרפו למועדון החברים של המארגנת והיו הראשונים להתעדכן בתכנים והטבות שוות באתר
The FDA has generated an impartial Drug Safety Oversight Board
(DSOB) to oversee the control over drug issues of
safety and communication towards the public about
the risks and great things about medicines. The term
'aplastic' means the marrow is suffering from an aplasia that renders it can not function properly.
Call 1-800-351-8709 or go to *************My Personal comment:
Do you seriously think you must ever try a drug like this.
טניה
מישהו שלח לנו כתבה שלך.
תודה רבה על המידע החשוב!
היינו בטוחים שזה אמור לצאת הרבה יותר יקר אבל עזרת לנו לעשות סדר ולהחליט מה חשוב יותר ומה פחות.
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איזה פוסט חשוב! בטוחה שהרבה זוגות בכלל לא מודעים לכמה הם מוציאים באמת..
תודה על מידע חשוב ושימושי!
נהנה לקרוא את הבלוג שלך כבר כמה חודשים,
מידע חשוב לכל זוג שמתכנן חתונה בארץ!
פוסט חשוב והכרחי לכל זוג שחושב על חתונה!
בהחלט מידע שימושי!
לא היינו בטוחים מה חשוב לכלול בחישוב והכתבה די הבהירה לנו את הכל,
תודה!
תודה על טיפים חשובים!!
תודה רבה על כתבה שימושית ומעשירה!
The FDA has generated an impartial Drug Safety Oversight Board
(DSOB) to oversee the control over drug issues of
safety and communication towards the public about
the risks and great things about medicines. The term
'aplastic' means the marrow is suffering from an aplasia that renders it can not function properly.
Call 1-800-351-8709 or go to *************My Personal comment:
Do you seriously think you must ever try a drug like this.
מישהו שלח לנו כתבה שלך.
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