A financial coach explains the 2 key decisions that helped her save $17,000 for a wedding - Business Insider

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Saving money is easier when there's a goal attached to it

About three years after she started saving, Williams got engaged to her husband in August 2018 — and brought a $17,000 wedding fund with her. She says two strategies helped her do it:When Williams paid off a car loan in her mid-20s, she decided to redirect her large monthly payment into aSince she was already in the habit of putting that money aside, "I told myself, 'OK, that $415, instead of now spending it, it's going to be my automatic wedding fund,'" Williams said.

By keeping her living expenses level after paying off debt, she was able to not only save around $400 a month, but allocate a set portion of every windfall — a tax refund or birthday money, for example — toward her wedding fund, too.Williams said she was able to maintain her disciplined savings habit because she had a goal in mind.

"What I always tell my clients is, it's so much easier than just saying 'I'm saving money,'" she said, "because when it's not tied to anything, you're more likely to pull it back out of savings when you're not really attached to it." People were often surprised to learn that Williams was saving for an event that wasn't certain to happen, but she didn't think twice. She knew she'd need money for a big expense someday, even if it wasn't a wedding.or bought a car if I needed a car or I could have split it between different goals."

In the year following their engagement, they saved an additional $1,000 to $1,500 a month, she said. Her parents paid for the invitations, extra food, the post-wedding brunch, her dress, and two hotel rooms. Their honeymoon was paid for mostly inMore Savings Coverage

 

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