By Sheryl Smolkin

In this space we typically provide links to interesting work by our favourite personal finance writers about topics ranging from money-saving tips to retirement savings to retirement lifestyle. But many of these prolific bloggers have also posted great videos on YouTube with helpful tips and tricks for people looking for ways to better manage their money.

So keeping in mind the old adage that “a picture can be worth a thousand words,” this week we identify a series of videos featuring pundits you already know well. While some of these videos are not new, they have stood the test of time.

Take a minute to watch at least a few of them, and let us know whether you would like to see more video content on savewithspp.com.

Sean Cooper is a pension administrator by day and a hard-working personal finance writer by night. Watch him burn the mortgage he paid off in 3 years and reveal his super saver secrets.

One of a kind blogs like How to get married for $239 by Kerry K. Taylor, aka Squawkfox have have been read by thousands of eager fans. In this video she discusses with the Globe and Mail’s Rob Carrick, How to stop wasting money.

In Life After Financial Independence as part of his Tea At Taxevity series, actuary Promod Sharma interviews author and former MoneySense editor Jonathan Chevreau about his post-retirement projects, including the Financial Independence Hub.

TV personality and personal finance guru Gail Vaz-Oxlade is interviewed on Toronto Speaks: Personal Finance about spending beyond your budget.

Studies suggest that 6 out of 10 Canadians do not have a retirement plan. Why is that number so high? Retire Happy’s Jim Yih shares a couple of theories about why it’s hard to plan for retirement.

Do you follow blogs with terrific ideas for saving money that haven’t been mentioned in our weekly “Best from the blogosphere?” Share the information with us on http://wp.me/P1YR2T-JR and your name will be entered in a quarterly draw for a gift card.

By Sheryl Smolkin

According to weddingbells.ca, the average expected cost of a wedding in Canada excluding the honeymoon is $22,429 and if you include the honeymoon, the bill increases to $27,899.

Here is the average budget breakdown based on anticipated costs:

Venue	$9,255	Limo	$753
Honeymoon	$5,470	Cake	$584
Rings/bands	$2,470	Jewellery	$483
Photographer	$2,206	Hairstylist	$467
Bridal Gown	$1,847	Guest favours	$452
Decor/Florist	$1,343	Bridesmaid’s dresses	$428
DJ/Musicians	$1,247	Stationery	$384

Because weddings frequently end up going over budget, the average actual cost of a wedding is $31,110 in Canada.

Even if you have been dreaming of a fancy, traditional wedding since you could walk, that’s an awful lot of money to spend for one day when you are still paying off student loans or saving for a down payment on your first house.

Not everyone can be as frugal as Kerry K. Taylor (aka Squawkfox) who had only four guests and spent $591.12 in total on her wedding to Carl. But Part 1 and Part 2 of her wedding blogs are very entertaining and contain lots of terrific frugal helpful hints.

Here are a few of my suggestions based in part on a great list of Cheap Wedding Tips and Ideas I found online and coloured by my experience helping my daughter plan her wedding several years ago.

Invitations: Engraved invitations with return cards, envelopes and stamps can be very expensive. You can get beautiful paper and envelopes from a stationery store and print your own invitations using a laser printer for a fraction of the cost. You can also create an electronic invitation and have guests RSVP to an email address or a website. 

Venue & food: Look for a free or low cost venue like a community centre or an outdoor setting like a park or beach for a summer wedding. Sometimes it’s cheaper to get married on a week night or have a morning wedding followed by lunch instead of an evening ceremony.

If you can select your own caterer and friends and family are willing to contribute part of the meal, you will save a bundle. Also, try to find a venue that will allow you to get a liquor licence and buy your own beverages instead of paying per drink or per bottle.

But keep in mind that you may have to rent tables, chairs, dishes and even a tent for an unconventional venue. In addition to servers, you will need people to do setup, strike down and cleanup after the party. You may be more than willing to pay for a “wedding package” offered by a hotel or banquet hall that ensures you don’t have to worry about these logistics on your special day.

Rings/bands: Get simple gold or white gold bands. Think of options like coloured or semi-precious stones rather than diamonds. See if there are any family antiques or heirlooms you can incorporate into the design.

Bridal gown: Before you say “yes to the dress” and spend thousands of dollars at a traditional bridal salon, consider other options. Your mother or older sister’s dress may have great sentimental value and it may be possible to alter the dress to fit. It’s worth checking out stores that sell prom dresses or other evening gowns, particularly if you are getting married in a more casual setting like a beach. If you take a sample size, you may find your dream dress at a seasonal sale at a high-end dress store.

And don’t forget pre-owned wedding dresses available online or from The Brides Project, a charity that raises money for cancer.

Bridesmaid dresses: You have to watch the movie 27 dresses  to fully appreciate how hideous bridesmaid dresses can be and remember how much you hated shelling out for the dress you wore to your second cousin’s wedding. Allowing attendants to choose the same colour attire in styles that suit them makes everyone more comfortable. My daughter’s attendants all wore short black dresses they chose themselves with red shoes.

Flowers and decor: Buy seasonal flowers in bulk at a local market.  Display them attractively with tea lights in glass vases you can purchase from the dollar store. For a Christmas wedding poinsettias and dried branches sprayed white can make very effective centerpieces. I am not “crafty” but for those of you who are, there are lots of ideas on Pinterest.

Wedding cake: We decided to substitute a tiered plate of exotic cupcakes for a more traditional wedding cake. They tasted better and, there were only a few left over by the end of the night. 

Photographer: See if you can find a photographer who will take pictures of the wedding and in return for an hourly rate, give you a CD with all of the pictures. You can select the pictures you want to print and even create your own photo books online or using the services of a local camera store. To augment the professional photos, put disposable cameras on every table and ask your guest take pictures throughout the event.

Weddings are emotional occasions that bring out the best and the worst in people. One of the biggest challenges can be paring down the guest list to stay on budget without alienating someone.

You want your wedding to be perfect, but remember it’s just the first day of the rest of your life. You will be off to a much better start if in the early years of your marriage if you don’t have the additional burden of paying off debts for a wedding you couldn’t really afford.

Have you planned a wedding? Send us an email to so*********@sa*********.com and tell us about how you saved money. Your name will be entered in a quarterly draw for a gift card. And don’t forget that the Saskatchewan Pension Plan offers a flexible way to save affordable amounts for retirement.

If you would like to send us other money saving ideas, here are the themes for the next three weeks:

25-Apr	Taxes	Why declating all of your income can save you money
2-May	Gardening	Cheapest ways to plant a maintenance-free garden
9-May	Mother’s day	Mother’s day gifts for every budget