Recently, a new client brought a newspaper article to my attention. It was about a Toronto-based planning and decorating company, Affairs with Flair, who have recently gone bankrupt, leaving many couples with no refund and no promised services. Logically, this made my client nervous.
Today’s crazy economy and the thought of something like this happening to you on your wedding day are enough to make anyone worry. But it got me to thinking – How do couples protect themselves from something like this?
1. First and foremost – Make sure you have a contract. A contact with dates, details, responsibilities, payments, etc. signed by you and your potential wedding planner. Make sure their information – address, web site, GST number, etc., is included on the contract.
2. Make sure they are a real business. Not just doing this as a hobby or a part time basis. They should have a business license, GST number, etc. Are they part of the Chamber of Commerce, Better Business Bureau, etc.? Do they have a real web site? Real businesses have to spend money to make money. Look for clues like how much advertising they are doing, how active they are, etc.
3. Ask for references. And actually contact the references. Ask questions – were they on time? Did they meet all obligations? Would they hire them again? Were there any surprises? You get the idea.
4. Go with your gut. If it feels fishy, it probably is. Listen to your instincts.
5. Ask how long they’ve been doing this. Experience speaks volumes. Those who have gone to school and have learned all about how to hypothetically handle wedding planning may not fair as well financially in the long run as those who have actual experience dealing with the highs and lows of real wedding planning.
I hope this helps. Its a horrible thing to have to worry about, especially on your wedding day!
By the way, I’ve been doing this for more than 10 years, have a GST number and belong to the Oakville Chamber of Commerce, in case you were wondering.

No one likes budget talk. The fun of planning a wedding seems to evapourate pretty quickly when money talk rears its ugly head. But when it comes to a wedding, you have to know the dollars and cents of your planning.
One of the questions I get asked time and time again is “Am I spending too much?”. The answer really depends. Depends on what your overall budget is, what is important to you, how many guests you’re having, etc.
But there are those couples who are ‘foodies’ and MUST have great food at the reception. Or those who are passionate about music, for who a DJ won’t do. Those couple know that they are willing to devote a large chunk of their budget to getting the perfect details to suit their passions.
But many couples feel that yes, the food and music must be good but aren’t sure where to start in the budgeting process. For them, I would recommend the following breakdown by percent of their wedding budget:
Reception (45%)
Planner (12%)
Bride’s Attire (5%)
Photography (5%)
Flowers/Decor (5%)
Entertainment (5%)
Videographer (3%)
Transportation (3%)
Stationary/Invites (3%)
Wedding Rings (3%)
Wedding Gifts (3%)
Ceremony (2%)
Cake (1%)
Hair & Make-up (1%)
Groom’s Attire (1%)
Accessories (1%)
Accommodations (1%)
Miscellaneous (1%)
So for a wedding with a total budget of $25,000 it would look like this:
Reception (45%) – $11,250
Planner (12%) – $ 3,000
Bride’s Attire (5%) – $ 1,250
Photography (5%) – $ 1,250
Flowers/Decor (5%) – $ 1,250
Entertainment (5%) – $ 1,250
Videographer (3%) – $ 750
Transportation (3%) – $ 750
Stationary/Invites (3%) – $ 750
Wedding Rings (3%) – $ 750
Wedding Gifts (3%) – $ 750
Ceremony (2%) – $ 500
Cake (1%) – $ 250
Hair & Make-up (1%) – $ 250
Groom’s Attire (1%) – $ 250
Accessories (1%) – $ 250
Accommodations (1%) – $ 250
Miscellaneous (1%) – $ 250
And if the list above has things that you aren’t including, like a videographer, remove that line item and either add it to another category or put it back in the bank!
Hope this helps!

Here is the last of seven tips of what to cut from your wedding budget that is unnecessary:
7. Saving The Top Layer of Your Wedding Cake for X… – The top layer of they wedding cake has traditionally been saved and not served to your guests. ‘Saved for what?’ you ask – well, it depends who you ask but its usually stuck in the freezer for at least a year. Often saved for your first wedding anniversary, or birth of your first baby, or their baptism. This tradition started a long time ago when cakes were make from fruit cake and had a glimmer of possibly, maybe surviving the long year.
Nowadays, not many people would not even consider fruit cake and often, the year old cake, certainly stale and likely freezer-burned taste pretty gross. So why do it? Why pay for that top layer so you can wrap it up, seal it in 3 ziplock freezer bags and a tupperware container only to throw it out in a year? Heres a better idea. Save the money and when the occasion comes around (first anniversary, first baby’s birth, etc.) make a special trip back to you baker and get a small replica make of your cake that you can enjoy while still fresh?
Hope these tips help! Happy planning!

Here is the sixth part of the series of budget tips of things to cut from you wedding that no one will notice.
6. Bathroom Guest Baskets – this is something I never really understood. I mean it’s a nice sentiment, but having a basket with mouthwash, extra nylons, tums, a sewing kit is a nice to have, not a need to have. And can be pretty expensive. And besides, if you have a good wedding planner worth his or her salt, that all that kind of stuff will already be on hand in his or her on-site emergency kit.
Happy planning!

About 2 and a half months ago, I was looking for some colourful Chinese paper lanterns for a client. She wanted to decorate the reception hall ceiling with them. Maybe it was a little to early for most suppliers to start thinking about ‘patio’ type lanterns, (but they never think its too early after Halloween to start dragging out the Christmas stuff!) what with the snow still sorta’ hanging around then.
I looked everywhere, only to find really REALLY expensive ones or ones that looked like their colours have already faded in the sun.
Now that I’m not looking for them, I have found 2 stores that have them – and in great colours too and reasonable prices. The first store was the Fabricland Decor Centre Elite on Fairview in Burlington (which, coincidentally, has tonnes of great decor items at really good prices). I’d been into the Fabricland there tonnes of times, and never really noticed the Decor Centre. Not sure what made me notice it today, but I’m glad I did.
The other store was Jysk (which I learned today is pronounced ‘yi-sk’ – but up until today I seem to always call it ‘jinx-k’). This store is also on Fairview in Burlington. They are offering 8″ lanterns ($4.99) and 14″ lanterns ($9.99) and actaully have battery powered lights in them and and have variety of colours…
I thought I’d shared this in case you were looking for these types of lanterns.
Happy planning!

Here’s the fifth installment of things to cut from your wedding budget that noonewill even notice but will save your hard earned money:
5. Wedding Party/Ceremony/Reception Programs – A lot of work AND worry for something that will be glanced at and left behind. ‘But not everyone knows that my bridesmaid is my best friend from college?’ you ask. That may be true, but if you have a good MC at the reception, he or she will inform every one of that fact at the reception. As well, it give people something to talk about while at the cocktail reception or when finding their seats at the reception. ‘So, how do you know …’
Happy planning!

Here is the next idea of what you can cut from your wedding that hardly anyone will notice or care about…
4. Champagne – The fact is it’s expensive and most people don’t really like champagne. You likely already have wine on the tables – cha-ching. Have some sort of bar – cha-ching. And now you want to open and pay for more alcohol for each guest to have a glass to raise to you, shout out ‘cheers’ (substitute here what ever your family traditional uses – ‘prost’, ‘valo’, ‘mazaltof’, etc.) so they can take a sip and thats it? Why not just use the wine already on the table, or the drinks they already have from the bar? Think about it!
Stand by for more ideas to keep your budget in check!
Good luck and happy wedding planning!

3. A Fancy (read EXPENSIVE) Wedding Topper – Sure, it might look nice to have the traditional ceramic or otherwise, mini bride and groom on the top of your wedding cake. Or those monogrammed letter cake toppers. Or fun to have the bobble head bride and groom. But really, if you are trying to cut your budget, this is the thing to slash. Why not substitute the topper with a few blooms that match those in your bouquet? Much cheaper and still looks great.
More ideas of things to cut from your wedding…coming soon!
Good luck & happy planning!

When buying a diamond, here are some tips to help you spend a little less of your hard earned dollars and still come away with something that looks like you’ve lost your mind and spent a fortune. The cut, setting and shape are the key. Here are five ways to select diamonds, be it a wedding ring, earrings, or anything else, to make it look like you have more carats then you actually do:
1. Side Stones

A very classic style right now is the three stone engagement ring. The stones are said to represent yesterday, today and tomorrow. Its no coincidence that this setting ranks among the top engagement ring styles. When you have smaller side stones, there are more facets, more light catching angles and more oomph. which is what we all want, right girls?
2. Bezel Setting

When a diamond is completely encircled by a rim, it is called bezel setting. When set in platinum or white gold, the diamonds appear as one unit and look bigger than their individual parts.
3. One Word – Pavé

The pavé setting is so beautiful and it looks like a complete surface of diamonds but in reality, its many, many diamond clustered in tiny holes sitting in and on the band. Think of it as a ring ‘paved’ with diamonds. Although, the diamonds in a pavé setting will cost far less than one big single diamond, it is very labour intensive to set, so keep this in mind when looking.
4. Fancy Diamond Shapes

Cuts like the oval, marquis or the pear are considered fancy shaped diamonds. The shapes cost less and usually look larger than round diamonds of equal weight.
5. Illusion Setting

Mounting the diamond on a mirror-type plate before setting it into the band, is called an illusion setting. The mirror-plate in the back reflects more light and makes the setting appear larger and more brilliant. Many vintage rings have this type of setting. Do keep in mind that repairing this type of setting is more difficult and more costly as a result.
Good luck! Happy wedding!
