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George Camel
Tactful or tacky? Today we're talking about the frugal wedding fails of the century. So to see, like, an older woman do that, I would feel bad.
Rachel Cruz
In a gown.
George Camel
In a gown.
Rachel Cruz
That's crazy. That's crazy. We gotta draw the line somewhere.
George Camel
We wouldn't have been friends right now.
Rachel Cruz
This podcast would not exist.
George Camel
I know.
Rachel Cruz
It should not have existed. Hey, guys, I'm Rachel Cruz.
George Camel
I'm George Camel, and this is Smart Money Happy Hour.
Rachel Cruz
Well, this is the show where two friends who happen to be money experts talk about what you're talking about everything from pop culture, current events, and money.
George Camel
And before we get to the frugal wedding fails, let's talk about what we're sipping on, Rachel. It's an aperol tequila sour.
Rachel Cruz
And, you know, I love all three of those words.
George Camel
Really good. So stick around till the end. We're going to give you our rating and reveal the cost per glass. You don't want to miss it.
Rachel Cruz
That's right.
George Camel
Okay, so personal finance. Rachel looks different for everyone. That's why we call it personal finance. But there's a few major life events that the majority of the population has to navigate financially.
Rachel Cruz
Yeah, I think there's a lot of these. So you think about, you know, college, maybe renegotiating your salary, buying a home. Like there's some big purchases or situations in life when it comes to money, and one of the biggest are weddings.
George Camel
It's gotten out of control. It's a huge life event, can come with a high cost, and some people are wiser about this than others.
Rachel Cruz
That is true. Which is so unfortunate. But you guys, you and Whitley had a pretty successful wedding story financially. Actually. It's pretty insane. You've talked about it on this podcast before.
George Camel
Not relatable. So hashtag unrelatable, but responsible. But he found a local wedding contest that was a free wedding package worth $28,000, and we won.
Rachel Cruz
And you were hosting the Ramsey show at the time and asked all the viewers to vote for you, Right?
George Camel
Yeah. So we had the best video. So aside from that, it was merit based. We had the best wedding story captured on video, and we got the most likes on our video within a week. That was the contest stipulations. But $20,000, I didn't think it was real. I thought I was like, we're gonna get scammed.
Rachel Cruz
Yeah. So what do they pay for in that?
George Camel
Everything. But here's the kicker. It only included 50 people, which includes the bride, the groom, the bridal party. So by the time you get to the invites. You can invite 10 people.
Rachel Cruz
Yeah. And then y' all did a big reception after.
George Camel
So then we threw a second wedding reception after the first wedding ceremony and reception and that ended up costing us a lot of money. So.
Rachel Cruz
Yes.
George Camel
Yeah. Was it a frugal fail?
Rachel Cruz
More than 28,000?
George Camel
No, no, not near.
Rachel Cruz
That came out well. George. Yeah, I know. And at first I thought I didn't go to your wedding. And then memory served me correctly and I was there. I knew I invited you on the second reception.
George Camel
I remember thinking, the cruises will get us a good gift. We should invite them.
Rachel Cruz
What did I get you?
George Camel
I don't remember. Probably Financial Peace. Maybe Financial Peace University, whatever. No, I'm sure it was a wonderful gift.
Rachel Cruz
Terrible.
George Camel
Have you had any? Do you reg wasting money on anything for your wedding or a frugal fail?
Rachel Cruz
I don't know. I feel like we were pretty.
George Camel
You focus on the stuff that mattered.
Rachel Cruz
Yeah, I mean, I think we did like, like back then. You would mail out, save the dates.
George Camel
Oh, yeah.
Rachel Cruz
I feel like people don't do that as much.
George Camel
Yeah, we mailed ours out. I kind of regret.
Rachel Cruz
I feel like people don't mail out save the dates. I feel like people just are like, I don't. Or maybe they do. I don't know.
George Camel
It feels like one of these old timey things that you hearken back to physical safety.
Rachel Cruz
Yes. We had very. I like, loved, like really formal wedding invitations. So I probably could have like chilled out on that.
George Camel
Yeah.
Rachel Cruz
Like, I had like the tissue thing. Like, I was like, I want it. Like, I wanted my wedding formal. There was something about it, even my dress, where I was like, I don't want this just to be a party. Like, this is like, I like, if I was like, if I'm walking down the street in my dress, I won't be like, that's a bride. Not like, oh, she could be going to the prom.
George Camel
Trendy and modern.
Rachel Cruz
Yeah. I want it to look like a wedding dress. I wanted a center aisle. I wanted in a church. Like, I was like, I want very, like traditional things with my wedding.
George Camel
I love it.
Rachel Cruz
So because of that, I don't know my. I made my bridesmaids wear champagne color in December. So that was real sad.
George Camel
Is that a good everyone?
Rachel Cruz
No, they all probably sprite hands weren't even like a thing then, you know, so like, oh, so you're saying everyone's terrible. Yeah. A terrible color to pick into.
George Camel
I only have tan friends, so.
Rachel Cruz
Really, really sorry, Brightsma.
George Camel
We had a frugal fail Though. And you were at this reception instead of doing an open bar. Because it was going to be astronomically expensive at like a Marriott to do an open bar. We decided to prep for a certain number of, you know, bottles of wine, certain number of beers. We thought, this will be enough. That's like two drinks per person. We did the math.
Rachel Cruz
I know. We party, George.
George Camel
And within 30 minutes, they said they ran out of alcohol. And I was like, did they jip us or did they skimp on us? Because there's no way that two drinks per person, everything's gone in 30 minutes. I just didn't believe that.
Rachel Cruz
Sure. So what was the truth?
George Camel
I don't know to this day.
Rachel Cruz
So did you get upcharged then?
George Camel
After they didn't upcharge, I think it turned into cash bar after that. So we were okay with that. Okay, beyond two drinks per person, it's on you.
Rachel Cruz
Yeah, that's true.
George Camel
We were okay with that. But apparent, apparently that didn't happen.
Rachel Cruz
Party hardy questions. Oh, gosh. Yeah. Well, I think what's hard is like in the moment, like the weddings, especially the mishaps, the things that ends up like, oh, crap, doesn't go the way we wanted. It feels like a massive deal. Right. Cause this is like the day, especially for girls.
George Camel
You dream about it your whole childhood.
Rachel Cruz
Yeah. I mean, it's a big, big deal. But then, you know, you look back sometimes and the mistakes and the flops are kind of what makes the memories, you know?
George Camel
And it doesn't make the marriage.
Rachel Cruz
No, it does not. Wow. Well said.
George Camel
Maybe the. The worse the wedding goes, the better your marriage is going to be. I'd like to see a study on that.
Rachel Cruz
Oh, that's good. You know what I always think about, too? Rings. Like the bigger the diamonds.
George Camel
Oh, yeah.
Rachel Cruz
Shakier the marriage. Terrible thing.
George Camel
I guess I'm doing really good then. Sorry, Whitney. So whether you're wedding planning, maybe you're looking for money saving hacks, maybe you're 20 years into a marriage and you just want to be entertained. Maybe your kids are going to get married one day. Today's episode is to deliver.
Rachel Cruz
Yeah. And so we're going to talk about these wedding fails, slash, trying to be very budget conscious. Maybe a little cheap in some cases.
George Camel
Y.
Rachel Cruz
So we're going to say, is that tactful or tacky?
George Camel
And play along in the comments and stick around. Later we're going to share our own list of non negotiables when it comes to planning a budget friendly but memorable wedding.
Rachel Cruz
All right, you ready?
George Camel
Let's do this. What's the first frugal wedding fail?
Rachel Cruz
And did we get these from the Internet?
George Camel
These are from the Internet if I'm not mistaken. That's where everything. All good things come from.
Rachel Cruz
All happens. All right, first up we have spray painted grass. So this person went to a wedding at an old rustic estate that used to be fancy. When they got home, their feet and shoes were bright green because they had spray painted the grass to make it look better for pictures.
George Camel
At least the pictures turned out nice. Is that tactful or tacky?
Rachel Cruz
I don't think it's tacky.
George Camel
I think it's tactful. They just didn't think through at all what would happen on the other side. But I think it's a good idea because if you get some grass spray paint, you can just make it look nice and lush and green.
Rachel Cruz
Going tactful. Why not? Or just make very creative.
George Camel
Make your wedding video or photos black and white. No one can tell what color the grass was.
Rachel Cruz
That's smart too.
George Camel
Life hack.
Rachel Cruz
There you go. Just on black and white photos.
George Camel
Okay, next one. Mashed potato exit already. Love this.
Rachel Cruz
Wow.
George Camel
Leftover rice on the ground is bad for birds and sparklers can get pricey. So a friend of mine had guests toss potato flakes for the send off, thinking it would look like white confetti.
Rachel Cruz
No.
George Camel
It had rained all day, so the water mixed with the flakes and mashed potato clumps were everywhere on the ground in bridesmaids hair, et cetera. Boy, oh boy, do I want to know what is in the etc. Part.
Rachel Cruz
Okay, that's funny.
George Camel
Potato flakes.
Rachel Cruz
That is funny. I am going to go tacky. It feels weird throwing food. I guess rice is considered. But people don't do rice anymore. It really.
George Camel
Is that a thing? I don't know. Is it a cultural thing?
Rachel Cruz
Yeah, I don't think people do rice anymore. I think that like people would do rice, but I think it is sparkler. We had stuff thrown. What was. What did we have thrown?
George Camel
I think we did.
Rachel Cruz
I wanted tradition. I wanted to like run through a thing falling. Oh, I love that.
George Camel
We did glow sticks.
Rachel Cruz
Cute.
George Camel
So that was fun.
Rachel Cruz
Cute. I like that. What did we do? Maybe ours may have just been confetti or something.
George Camel
That makes sense.
Rachel Cruz
I don't know. But I. Yeah.
George Camel
What year were you guys married?
Rachel Cruz
09.
George Camel
Okay. And we were 2018. So the Times had changed.
Rachel Cruz
Oh yeah. Yeah.
George Camel
We moved on to glow sticks. Apparently confetti from confetti graduated. So that one I'm Gonna go. I'm gonna go tacky on that one.
Rachel Cruz
I will, too. The food thing just throws me, but creative still.
George Camel
Yeah.
Rachel Cruz
All right, next. No floral waste. I've been to a few weddings where the bridesmaids bouquets were reused for centerp. We just dropped our flowers in the empty vases on the table when people arrived, and we still had the option to keep them afterwards. I thought it was resourceful and one less thing to keep up with all night. Tactful or tacky?
George Camel
Love it. I'm going tactful on this.
Rachel Cruz
I am, too. We did this good. Yes.
George Camel
Because the bridesmaids don't want to carry around this bouquet.
Rachel Cruz
Yeah. No, we, like, literally use their. We do the exact same thing.
George Camel
Pop it in the vase.
Rachel Cruz
Yes, we did the same thing.
George Camel
Centerpiece done.
Rachel Cruz
I think it's great.
George Camel
Reduce, reuse, recycle.
Rachel Cruz
I know, man. Gosh. Yeah. That was one thing. And I feel like my bouquet. I even put. We put on, like, the, like, our, like, parties table, too. Like, I think we even use my bouquet, too, for the center. So I didn't carry it around, but, yeah. I don't know. I thought it was resourceful and great.
George Camel
We should normalize. Not carrying stuff around. Nobody wants to carry anything around.
Rachel Cruz
No.
George Camel
Get rid of the flowers.
Rachel Cruz
Except for a throw blanket that's so comfortable from Cozy Earth.
George Camel
I don't know who's carrying that around.
Rachel Cruz
All day around my house.
George Camel
I am like a cape, just wearing it.
Rachel Cruz
Yes.
George Camel
Like a superhero.
Rachel Cruz
The soft, fuzzy one. It's like. And it's the lighter. It's not the huge one. It's kind of like the medium size.
George Camel
Okay.
Rachel Cruz
I put that sucker on, and I wear that around.
George Camel
That is tactful.
Rachel Cruz
Tactful. The Cozy Earth blankets, y' all are unbelievable. Unbelievable. So soft. My kids are, like, fighting over it, and I'm like, this is mom's blanket.
George Camel
This is mommy.
Rachel Cruz
You know, as a mom, you got to be selfish sometimes, like, for yourself. Take care of yourself first so then, like, your goodness overflows. Right. So, like. And that. My blanket. Don't touch my blanket, kids.
George Camel
Don't touch my blanket. Grimy.
Rachel Cruz
Yeah.
George Camel
Little kid hands. I don't know what they've been touching 100% or Charles.
Rachel Cruz
Yeah, that. Now the pajamas, the sheets, like, they're. You know, I'm holding them all day. They're in our bed. And the more they come in in the morning, snuggle up. They loves the cozier sheets. Like, I'm good. You can be all there. Don't be in my blanket. Though.
George Camel
Don't. Don't be like that. And my favorite. This just arrived today. New PJs for my wife.
Rachel Cruz
Yes. And if they're white, if you're a bride, we're talking about weddings.
George Camel
Oh, there we go.
Rachel Cruz
They're really great. Like, for your honeymoon.
George Camel
I didn't think about.
Rachel Cruz
Oh, so smart.
George Camel
Okay. This is a genius wedding gift that she will love and she's not expecting. Go check it out. You get up to 40% off when you use the promo code smart money on everything on the site. So go check it out. Cozyearth.com SmartMoney use promo code smart money at checkout. Good stuff. We'll drop a link in the description as well.
Rachel Cruz
Yeah, make sure to check it out. Amazing stuff.
George Camel
All right, next up on our frugal wedding fails list, Return window wedding decor. Let's see what this one is. I'm planning to order my reception decor from Amazon so I can repackage and return it within 90 days. Ninety days after the wedding. May have to sacrifice a few stained tablecloths here and there, but I bet I'll get most of my money back on the stuff that still looks as good as new.
Rachel Cruz
That feels wrong to me.
George Camel
Oh, this is basically a free rental at that point.
Rachel Cruz
Yeah.
George Camel
And that as much as I want to say taxable, even. I have to go tax.
Rachel Cruz
Wow. If George Campbell goes tacky on the money idea.
George Camel
If we didn't end up using it and we got it and didn't use it, I'll return it.
Rachel Cruz
It's the same feeling I have with people that wear clothes and leave the tag on and then go and return.
George Camel
It, like, for one party. Like, I'm gonna get this dress. Leave the tag.
Rachel Cruz
I've never liked that tip. People, like, give that as a tip.
George Camel
Well, think about if you're the person now buying that dress that someone else wore and the store doesn't know.
Rachel Cruz
I know.
George Camel
You don't know.
Rachel Cruz
Yeah. It just feels like a little. It just feels wrong.
George Camel
You have to do a smell test.
Rachel Cruz
Oh, man. That's so unfortunate.
George Camel
Yeah, I don't love that one.
Rachel Cruz
I'm gonna go tacky. All right. BYO desserts. I once received a wedding invitation on very fancy stationery. Appreciate that. Encouraging guests to contribute to the BYO Dessert spread. Is this a church potluck shoot? Yeah. That's the thing when you're invited places a wedding. Can I say that? Probably over any other event or situation, you are inviting people as a guest to celebrate you. They do not need to contribute to the situation.
George Camel
Bring a gift now. Anything else?
Rachel Cruz
Friends coming over for dinner? I was gonna say even birthday party, but that even feels a little odd. Like. Yeah. I don't know. A wedding having people help.
George Camel
Yeah.
Rachel Cruz
Contribute to the wedding does not feel like there are guests at that point.
George Camel
And I don't trust desserts. Like, if you bring a congealed salad to my wedding, it's over. You ruined the entire party.
Rachel Cruz
Is it congealed? What is it?
George Camel
Would they put like the green jello and stuff with cottage cheese?
Rachel Cruz
Gross. Who makes that?
George Camel
Southern women. It's a delicacy in the south, apparently.
Rachel Cruz
Stop.
George Camel
The word congealed is enough. Like bad branding. They need new. New PR if you're gonna put cottage cheese in a dessert.
Rachel Cruz
Gross.
George Camel
With jello.
Rachel Cruz
Hey, protein. No, but I agree with you.
George Camel
What would you bring to a wedding? Let's say you're coming to my wedding and I said, rachel, you have to bring a dessert. What are you bringing?
Rachel Cruz
I'm going to Aldi and picking up some pre made cookies.
George Camel
Smart.
Rachel Cruz
Bringing them to. Bringing them to the. I'm not making anything.
George Camel
Would you act like you made it? Would you put it on a nice platter?
Rachel Cruz
Let me say this. If I was invited to your wedding and it was just like your family and Whitney's family and like three best friends, I would make you a cake.
George Camel
Wow.
Rachel Cruz
From a box. But I would make a cake.
George Camel
That's so kind.
Rachel Cruz
But if it's like a massive wedding, I ain't baking for that.
George Camel
Yeah.
Rachel Cruz
No one knows what it is either. Right. It doesn't say my name on it.
George Camel
You have to bring like.
Rachel Cruz
So the performer in me doesn't need to perform because I won't get credit.
George Camel
Yeah. You need signage. I gotta know what's in that thing when it was made. Just skip dessert if that's gonna be you. All right. Next up on the Frugal wedding fail wedding fund. Arrow down payment. Here we go. When I got engaged, my parents told me they had $40,000 saved in a wedding fund for me to put toward this season. They said I could use it on anything. Wedding, honeymoon, housing, et cetera. We used $20,000 for the wedding, plus cash flow to few expenses ourselves and put 20,000 toward a down payment on a house. No regrets. Tactful.
Rachel Cruz
Very tactful.
George Camel
Would you do that as a parent? I'm thinking through that. Now I have a daughter, I'm like, one day I'm gonna pay for a wedding.
Rachel Cruz
Yes.
George Camel
Do I want to say, here's a pile of money. Use as much of it to the wedding as you want. Use as much of it towards something else if you want.
Rachel Cruz
Yes.
George Camel
Is that it?
Rachel Cruz
I think that's great. Mom and dad did that for us.
George Camel
Oh, nice.
Rachel Cruz
Yes.
George Camel
And then you guys.
Rachel Cruz
I didn't save any of it all to the wedding.
George Camel
The wedding used every penny and more.
Rachel Cruz
Yes. And I remember Winston being like, babe, you know, it would be nice, like, you know, have somebody set aside for, like, life, you know, furniture, like just the simple things in life.
George Camel
And you said no.
Rachel Cruz
Well, I wasn't like, no, but I was like, yeah, we could see what happens at the end of this.
George Camel
I don't know. Part of me goes like, do I want to just say this is for the wedding? Because otherwise, if it's me, I'd go, how do we have the cheapest wedding possible? So we can have the most money for a.
Rachel Cruz
What is going to be a longer term happiness, joy, etc.
George Camel
And I think it's putting it toward the further financial goals.
Rachel Cruz
I think it is, too. I wonder if day. I wonder if mom and dad cringed when I chose to spend it all.
George Camel
I think they assumed that would happen with you in particular. You're known as the spender in the ranch.
Rachel Cruz
I actually think Daniel may have saved some. I'm not kidding.
George Camel
Which makes a lot more sense. He's the kind of guy who's going, we're spending how much on that? No, let's skip that. Yeah, he's very reasonable.
Rachel Cruz
But I think that I like that. I like that approach. If you're able to do that. I don't know, I think it's kind of cool.
George Camel
Say, here's a pile of money. Use it however you wish. But I would say the caveat is, you cannot go into debt.
Rachel Cruz
Because if you say we got a little strings attached.
George Camel
Yeah, I have some strings. We're gonna do this wedding debt free. You can use this money how you wish, but you gotta cover it.
Rachel Cruz
Even if. Even If Mia is 28 years old grown. Okay, so we.
George Camel
No debt for little Mia.
Rachel Cruz
All right? Yours. Little strings attached, gift.
George Camel
And I'll make sure that I'm gonna freeze her credit. She couldn't if she wanted to, but she's gonna be smart enough that she's gonna avoid that. And knowing me, I'll probably throw in a pony and just say, get the wedding. In your dreams. You're my little princess.
Rachel Cruz
Sweet little thing.
George Camel
Although we had a camel, our wedding. So to have a pony is actually not that far fetched.
Rachel Cruz
Not that crazy. Not that crazy.
George Camel
I love it.
Rachel Cruz
Okay. And what is Wild. That is so different from when I got married. Is so much of the planning you do is online.
George Camel
Yes, everything's online.
Rachel Cruz
Everything's online. And so when you put your information online for wedding planning or anything else.
George Camel
Invitations, checking out on any website.
Rachel Cruz
Yes. That data brokers can come in, get your information and sell it to other companies. And you get scams and spams and all the things. And that's why Delete Me is one of the best services, because they go in and do that. They delete you from the Internet. And that is what we want.
George Camel
It's the best. And they search thousands and thousands of these data broker sites. They've removed me from already over 250 of these sites. They've saved me over 86 hours of time it would have taken me to find it, fill out all the forms, check up on it, make sure it got removed. And they saved me a lot of time. And they've given me a lot of peace. So if you want to get away from the tacky data brokers, go for the tactful service provided by Delete me. We'll drop a link in the description or go to joindeleteme.com smart money. And you'll get 20% off any of their annual plans.
Rachel Cruz
Okay. You're at 86. I'm at 66 hours that they've saved me.
George Camel
Wow.
Rachel Cruz
I know. Catching up. I'm up there. I'm up there. But it is wild to see the information they remove. It's like my kids names and stuff. Yes, it's wild. It's wild what's out there.
George Camel
And I, I added my parents to it. I got them on Delete me now. So if you're worried about the boomers in your life, get them the gift that keeps on giving. So good so you don't have to do tech support one day when they go, I got scammed.
Rachel Cruz
I got scammed. Unbelievable. Georgie, help me.
George Camel
I love where that accent took me. What a journey that accent was.
Rachel Cruz
All right, next, asking reception guests to fund honeymoon. Oh, I went to a wedding at a very fancy music hall and museum downtown. The groom's father, a wealthy business owner, said it was a tradition in their family to ask everyone at the reception to fill a beach hat with honeymoon cash. They passed it around and asked us all to contribute. Tactful or tacky?
George Camel
It depends. Was this the gift or was this on top of the gift they brought? It was then like a little on.
Rachel Cruz
Top of the gift. Okay. Can I. Okay. I'm so fickle in this. Like that when I first read it, I thought, mmm. And then as it was going down, I was like, oh, it's like a. It's a tradition. Because I do think especially different cultures and stuff people do that. They give cash and like, it's like a thing. So for me, I would caveat it if it's like a tradition, like a thing that you just do and it's fun and it's not serious. Like, you know what I mean? Like, it's out of just like the fun spirited of it all. This doesn't bother me. Can I say this? And I hope I don't step on anyone's toes in here that's gotten married recently.
George Camel
I don't know.
Rachel Cruz
I'm just gonna say it. But like a QR code for a GoFundMe or something feels different. I don't like that. Like, that feels tacky.
George Camel
But cash is fine.
Rachel Cruz
Yeah. With, like, we're gonna do a song and like, we've done it for five songs involved. There's music and, like, do you know what I'm saying? Like, there's like a fun spirit about it versus, like, you need to go fund my honeymoon for me.
George Camel
Okay. Now we know Rachel loves a physical love offering. Pass around the bucket.
Rachel Cruz
Do you feel that at all or are you good with it all?
George Camel
I do think there's a level of QR code that feels a little less personal.
Rachel Cruz
Yeah.
George Camel
You know, no one's like, it's been a tradition for 50 years that we pass around the QR code versus there's a beach hat. It's a fun thing.
Rachel Cruz
Yeah.
George Camel
I think the honeymoon's going to happen with or without this beach hat. Getting funded.
Rachel Cruz
Yes. That's so it's more of just like.
George Camel
A, hey, have fun on the honeymoon. Little send off. But I can tell this person is a little bit miffed that this is clearly a wealthy family asking for more money.
Rachel Cruz
Yeah. Yeah.
George Camel
She keeps saying very fancy, wealthy business owner. I don't know why I'm assuming it's a she, but this feels like something a woman would have umbrage with.
Rachel Cruz
Oh, my gosh.
George Camel
Take umbrage.
Rachel Cruz
What do you think? Tacky or tactful?
George Camel
If it. If they already brought a gift, I would. I'm going to say this is tacky.
Rachel Cruz
Okay.
George Camel
Plus, I don't carry cash, so I would feel uncomfortable being like, ah, sorry, man. Like, don't have any on me.
Rachel Cruz
Don't have it. Yeah.
George Camel
And then it feels weird to like, do the Venmo. You've seen the cars that drive around, like, Nashville. And there's a Venmo code.
Rachel Cruz
Yeah, what's that for?
George Camel
And it's like, give to the bride. It's the bachelorette party.
Rachel Cruz
Oh, yes.
George Camel
And it's like, buy the bride a drink. Woo.
Rachel Cruz
Yeah. That's kind of fun.
George Camel
Have you ever done it?
Rachel Cruz
No, but I have Venmoed people in life for things.
George Camel
Okay, that's very specific. I appreciate that.
Rachel Cruz
I don't want to be like, bragging, but I've run into situations at airports or even in the lobby here at Ramsey. Like, people are here for special occasions. And if the spirit leads, I will randomly.
George Camel
Wow. How do you find out their Venmo?
Rachel Cruz
I go and ask them. I'm like, do you have a Venmo? They're like, yeah. I'm like, all right, dinner's on.
George Camel
That's so fun.
Rachel Cruz
Well, yeah, Ken and I just did that last week. There was a girl in for her birthday with her husband.
George Camel
That is so thoughtful. And it's from your personal demo that.
Rachel Cruz
You'Re like, I'll give you a little. That's fun.
George Camel
Wow. Wow.
Rachel Cruz
I think that's fun.
George Camel
And you're okay giving out your Venmo handle because then people can request money from you. Well, that's what I would be doing if I knew your Venmo handle.
Rachel Cruz
Well, not you. It's not like they can go into my bank account.
George Camel
No, but they can just request a million dollars from you. You can decline it, but you might accidentally fat finger it and say yes. That's my strategy is I just randomly find people on Venmo and request money.
Rachel Cruz
George, have you ever Venmoed someone for something like a drink or a. Yeah, I have. Or food or like. Or like, if it's like, fun, like.
George Camel
Not someone's birthday, and I can't, I'll Venmo them for the drink.
Rachel Cruz
Like, hey, that's fun.
George Camel
Yeah. I did accidentally Venmo the wrong person for something off Facebook marketplace once, and I had to beg them for the money back.
Rachel Cruz
Was it like hundreds of dollars?
George Camel
It was probably 150 bucks or something. And I venmoed to the wrong. I. You know, you're typing fast. The person's at your front door getting the. And so I Venmoed real quick. And it was to the wrong person. And I had to message them and say, I'm so sorry. I know you have. You could keep the money if you wanted to, but please give me this money back.
Rachel Cruz
And they did.
George Camel
And they did. It restored my faith in humanity and it's great. Next up, tactful or tacky? Family photographer. To save on photography. My friend's mother, a retired photographer, took the pictures. She walked down the aisle in her fancy mother of the groom gown and corsage and then scooted out on the front row and started crouching in the aisle with a cannon. It was distracting. And honestly, at her age, I felt bad for her joints. Oh, no.
Rachel Cruz
Oh, it's got a tacky.
George Camel
You kind of just.
Rachel Cruz
Oh, no, you do feel bad.
George Camel
Now, did they pay her anything, or did she volunteer?
Rachel Cruz
I don't care. I don't care. I don't care.
George Camel
Was this an elderly woman, the mother of retired. Let's say she's in, like, she's in her 60s or beyond. She's a retired photographer.
Rachel Cruz
The moment of a wedding, that is your son or daughter.
George Camel
Yeah, it says my friend's mother, so that's all we know. But I think it is distracting.
Rachel Cruz
She's in, like, her, like.
George Camel
Yeah, yeah.
Rachel Cruz
No.
George Camel
And you've seen the photographers at the wedding. They'll do anything to get the shot. So they're crawling on the ground, they're leaning over. So to see, like, an older woman do that, I would feel bad.
Rachel Cruz
In a gown.
George Camel
In a gown. Especially if, you know, like, we didn't pay her very much or at all to do this.
Rachel Cruz
It's her mother, though. Like, you know what I mean? It's the. It's. This is the groom or bride's mother.
George Camel
To my friend's mother.
Rachel Cruz
Yeah, exactly. This person went to their friend's wedding. It'd be like me going to your wedding. Like, I went to a friend's wedding and say, your mom ended up being the photographer of your wedding.
George Camel
Got it. Yeah. She says, mother of the groom gown.
Rachel Cruz
Yes. What if your mom.
George Camel
No, I wouldn't let her do it.
Rachel Cruz
I know. I'm gonna say, first of all, you.
George Camel
Want them to enjoy the wedding. Second of all, I'm not making my mom do jack squat on my wedding day.
Rachel Cruz
Yes, I know. Yep. All right, next, Trader Joe's flowers. So there was a wedding where Costco never delivered the flowers on the wedding day.
George Camel
Oh, no.
Rachel Cruz
So all the bridesmaids drove around to every Trader Joe's in Nashville and bought all the white flowers, making the table arrangements, the bouquets, all of that Costco gave a refund.
George Camel
And.
Rachel Cruz
And the floral budget end up costing just over a couple of hundred bucks.
George Camel
This is tactful. 100%.
Rachel Cruz
Tactful. 100%. Trader Joe's has great flowers. Amen. Hallelujah.
George Camel
Yeah.
Rachel Cruz
That's awesome.
George Camel
And they are very inexpensive, comparatively, too, you know, and I get it. Support your local florist. Don't come at me. Florists, you know they're going to come at us, Rachel.
Rachel Cruz
They're mad.
George Camel
We provide a service. Okay, we get it. You're great at what you do. No shade to florists. But this is a good way in a bind to make it happen.
Rachel Cruz
Yep.
George Camel
All right, next up on the Frugal Wedding fails wedding attendance fee. I already don't like where this one's going. I heard about a family friend who charged an attendance fee at their wedding. 150 bucks per person and $50 for kids under 10.
Rachel Cruz
Stop it.
George Camel
Tactful or tacky? I don't know how you could say tactful.
Rachel Cruz
You charge people to come to your wedding.
George Camel
That's crazy.
Rachel Cruz
That's crazy. That's crazy. We gotta draw the line somewhere.
George Camel
Can I tell you the part that I do? I get why people do it. I would never do it. I think it's tacky.
Rachel Cruz
What?
George Camel
But if people don't show up after they RSVP yes. I've heard of people sending a bill.
Rachel Cruz
Oh, that's tacky.
George Camel
Which is so tacky. But also, you would love the pettiness of it. You would love it because this happened at our wedding. I know. Because I marked down who didn't show up that rcp. Listen, you know how, like, you're getting charged per place? Yeah, agreed. We wouldn't have been friends right now.
Rachel Cruz
This podcast would not exist.
George Camel
I know.
Rachel Cruz
It should not have existed.
George Camel
Like, let them know if you can't make it. I think it's super rude to RSVP yes to a wedding where you know it's costing them 100 plus per person.
Rachel Cruz
Oh, man.
George Camel
So it hurts my soul. I just have a list in my phone and I'm not over it, but I did not send them a bill, if it makes you feel better. But doing the math, I think I've.
Rachel Cruz
Done this, y' all.
George Camel
You've ditched on weddings you said yes to?
Rachel Cruz
Yeah.
George Camel
Wow. Were they close friends or like. Eh.
Rachel Cruz
No, not necessarily.
George Camel
You get invited to, like, random people's weddings. Like, fans of this show have invited you to their wedding.
Rachel Cruz
Well, yeah, but I don't RSVP yes to those.
George Camel
Have you thought about it, though?
Rachel Cruz
No.
George Camel
Do you ever send, like, a gift?
Rachel Cruz
Oh, oh, oh. I see what you're saying.
George Camel
I've done that. I've sent them, like, Financial Peace University on. Don't start DMing me with that. I will not now. I know.
Rachel Cruz
Sure.
George Camel
If it happens in the future, I'm not falling for it.
Rachel Cruz
Tacky. Unbelievable.
George Camel
But I think they invite us because they're like, maybe they'll send us something.
Rachel Cruz
Okay. Yeah.
George Camel
Have you heard about this people? Now, we're not celebrities by any stretch, but they do like invite people invite celebrities. They find their address, the PR person, and they'll send wedding invites and they end up getting some nice gifts out of it.
Rachel Cruz
Yeah. You know, not bad.
George Camel
Yeah.
Rachel Cruz
I like the effort. I like the effort.
George Camel
I respect the hustle on that one.
Rachel Cruz
Oh, my gosh, y' all, that is.
George Camel
I'm like sweat and think about all this.
Rachel Cruz
That is so funny. Oh, man.
George Camel
Let's talk about non negotiables. So what are things that you were like, if you're going to plan a wedding, you gotta have these things. And if you're gonna skip some things, I would skip these.
Rachel Cruz
I would go. I would want a great photographer. I would. But not the most expensive because there's some great ones. Photographers that are like up and coming. You know what I mean?
George Camel
Yeah.
Rachel Cruz
I don't know. Okay. I want good music at the reception. A live band would be like, ideally.
George Camel
Oh, you want a live band?
Rachel Cruz
Oh, I would love it. Yes. So fun. So fun. A DJ would be next for me.
George Camel
Okay.
Rachel Cruz
But I think, yeah, good music, dancing. And with the party aspect, if you will, I would have a day of coordinator. I think that's always really helpful to have someone that's like doing. Helping you on it. I think it's worth the money. How about you?
George Camel
Definitely a good photographer. I would say. As much as I love video and we did have a videographer, it was a friend of ours, so it wasn't super expensive. But video is one that I find myself not going back to. Watch the wedding tape.
Rachel Cruz
Yes.
George Camel
And I don't know that your grandkids want to like. They'll see the photos. That's enough. If you wanted to save on something. Again, no shade to videographers. You're doing great work. The other one would be a dj. I could skip the live band. Only because when I. When live bands are there, I feel like it's always so loud.
Rachel Cruz
Oh, that it's.
George Camel
I like, I want to escape. Like, I want to go to the lobby or something and it's just sensory overload too much.
Rachel Cruz
Okay.
George Camel
But I think a good DJ or the minimum, a really good playlist will hit.
Rachel Cruz
Yeah.
George Camel
And then good food. It doesn't have to be a sit down dinner. I'm good with Like a really good buffet. Yeah, it could be tacos. I don't care.
Rachel Cruz
Yeah. But just have some great drinks.
George Camel
Some sustenance and drinks are a plus. I've been to some dry weddings. They are less exciting. You're not going to get as many people on the dance floor. The party will end about two hours earlier than you want it to. Just know that that's probably true ahead of time. And then I would say a planner for sure they have coordinator minimum. But a planner will save your life.
Rachel Cruz
You can't care about what people think in life. But I do think there is a. Is quorum the right word? There is a decorum. Decorum of humanity, of manners and, you know, etiquette. Like to be a human.
George Camel
Keep it classy.
Rachel Cruz
Yeah. Do you know what I'm saying? Like there's like, I don't know a level there, but I guess still do you. Do you.
George Camel
You do you. And people, regardless of how it affects your personal brand.
Rachel Cruz
That's right. But it will. It can affect it. But also, honestly, if you are planning a wedding, like do it on a budget because this is one event that gets so out of control so quickly, the expenses are insane. So if you need every dollar, do the use an every dollar budget for your wedding plan.
George Camel
Extra free account. That's just for the wedding.
Rachel Cruz
Yes. So smart.
George Camel
I had a Google sheet that was very complicated, but I had to keep track of everything. I needed the link to where I bought it from with the estimated versus what the actual. So I nerded out too hard. But it did keep us under budget.
Rachel Cruz
Yep. So great. And remember, you know, the wedding's one day. Your marriage is a lifetime. So take some of that money if you get some. And pay for therapy.
George Camel
That's a great idea. Can you imagine if you said, hey, therapy for a couple. Let's call it 250 bucks.
Rachel Cruz
Like a year in. Get a year in. Premarital sometimes is like, eh, Get a year in.
George Camel
You're gonna need it.
Rachel Cruz
You're gonna need that $200 an hour therapist.
George Camel
And I would say, like have your priorities and then say no to the rest.
Rachel Cruz
Yeah, totally.
George Camel
Like maybe you don't need the donut wall. Maybe you don't need the party favors.
Rachel Cruz
Yeah, yeah.
George Camel
Focus on the stuff that really matters and then also call your list down. That was the most stressful part, was having boundaries because my mom wanted to invite her friend that she hasn't seen in seven years. And I was like, mom, we can't just have this open invite to everyone who wants to go.
Rachel Cruz
I know.
George Camel
So we really.
Rachel Cruz
It's hard if they are paying for the wedding too.
George Camel
That's the other thing. If you're not paying for it, there are strings attached.
Rachel Cruz
It's tricky.
George Camel
So be careful who you accept the help from.
Rachel Cruz
Oh, so good weddings. We're out of that season, though. We don't get invited to many weddings these days.
George Camel
I can't remember the last time I got invited.
Rachel Cruz
We should go to one, George. Let's find someone. Well, I've had someone here at Ramsay's getting married soon.
George Camel
Oh, yeah.
Rachel Cruz
Let's ask them to invite us.
George Camel
Maybe they're in the room. We don't know.
Rachel Cruz
We'll go party the night away.
George Camel
I don't know. I don't know.
Rachel Cruz
Oh, man. All right, before we spill the tea in our guilty as charged segments, let's share what we're drinking.
George Camel
George, this is a Aperol tequila sour. And based on how much you had, you liked a little more than me, which is great. The cost breakdown is $2.82 per glass. Here's what's in it for curious minds. Tequila Aperol. You guess those two. Strawberry syrup, lemon juice, egg white, and some angostura bitters.
Rachel Cruz
There's an egg white in here.
George Camel
That's what's causing the foaminess.
Rachel Cruz
I'm not usually an eg.
George Camel
Have you had, like, a good whiskey sour? They'll do an egg white in there if it's made properly.
Rachel Cruz
That's true. Yes.
George Camel
So that part, you got to be into that.
Rachel Cruz
It feels like summer to me.
George Camel
Yeah, it is a very summery drink. It's very light and smooth while having a complexity that I really enjoy. So I'm going to go eight out of 10 on this one.
Rachel Cruz
I'm going. I might go 10 out of 10.
George Camel
That's a big win.
Rachel Cruz
I would order this. This would be a great lunch cocktail. Like, if you're out with friends on a patio getting some tacos, it feels like a day drink.
George Camel
Is it a taco situation? No, no. What are you eating with this? I feel like this is a patio at Bar Taco in Nashville situation.
Rachel Cruz
Okay. Yeah.
George Camel
That's where I go with it.
Rachel Cruz
You're right. Yeah.
George Camel
It's just me.
Rachel Cruz
Yeah. I'm going. A little chips and guac. A lot of apps. I'm feeling apps. Tapas, tapas, small plates, tapas. Lunch with this cocktail.
George Camel
10 out of 10 top us the morning to you.
Rachel Cruz
I'm gonna be very specific, get the.
George Camel
Recipe in the show notes, give it a try this weekend and see if it is really? A 10 out of 10.
Rachel Cruz
All right, now it's time for guilty as charged. And this is where we ask each other a new guilty as charged question every week. And if we're guilty, we take a sip.
George Camel
Here it is. It's wedding related. Have you ever regifted or returned a wedding gift and it backfired?
Rachel Cruz
Yes.
George Camel
Yeah. Cheers to that.
Rachel Cruz
Yeah.
George Camel
Cheers to backfiring.
Rachel Cruz
I think I've said this on the show. I've told this story on the show before, but we got a wedding gift, and it was. It was a great gift. We just would never use it. And we ended up. I ended up re gifting it to a friend six months later for her wedding. And I left the orig part of the original wrapping paper at the bottom of it, and I put it in a gift bag. And when she took it out, she was like, here's some other wrapping paper.
George Camel
Oh, Straight asked me, hey, did you regift?
Rachel Cruz
And I was like, oh, man, you got it.
George Camel
So you need to do a full 360 view. Oh, gosh. We had one.
Rachel Cruz
I was, you know, I was broke. I spent all my money on my wedding six months later.
George Camel
And if it's a good gift, you know what I mean?
Rachel Cruz
Yeah.
George Camel
If it's something they would want and they would use.
Rachel Cruz
Yeah.
George Camel
I don't care if you regifted me something.
Rachel Cruz
Thanks. How about you?
George Camel
We got some silverware for our wedding, as one does. And we got. It was gold. And we decided, you know what? We went with the silver. It's a little cheaper. We can get more of it. So we went to return it. They couldn't do it. This place, this fancy place could not do a return. They're like, we just don't do that. So I had to meet them at the old Ramsey building to do this exchange to return it. And when they returned it, they sent the new one for an exchange to the people who bought it for us. So then we had to contact them, like, hey, you're gonna get a package. It's nothing malign. We just accidentally. It was just.
Rachel Cruz
You did a return, and they sent the.
George Camel
They sent it to the person who bought it for us, which they obviously found out at that point that we did not want what they gave us.
Rachel Cruz
Oh.
George Camel
So just create a really awkward situation. The whole thing was just.
Rachel Cruz
See those people today?
George Camel
I think I've seen them one time since that happened.
Rachel Cruz
Okay.
George Camel
They're very nice. They're very nice.
Rachel Cruz
Yeah. Yeah. That makes it feel better. Yeah.
George Camel
But just be careful out there, guys. It's a dark world.
Rachel Cruz
It's a wild world out there. Get your foundations, you know, control what you can control. You know, stick to the great advice.
George Camel
Just keep it.
Rachel Cruz
It's just a lot.
George Camel
Just keep it.
Rachel Cruz
Yeah.
George Camel
You know what's fun? Amazon stuff. You see the little QR code that comes with it and it's like, let them know what you think. Well, if someone sends you something anonymously and you scan that code, it'll have their name on the like. Thank you.
Rachel Cruz
Who sent you stuff anonymously?
George Camel
It happened one time and it was really awkward. I got a vinyl record sent to the office and I was like, who sent this? I'll never know.
Rachel Cruz
But you scan the QR code and.
George Camel
I scan the QR code and it's had their name. And I reached out to them and confronted them. Yes. And they were like, what? No, I didn't. I was like, it had your name. And they're like, oh, gosh. And they were really embarrassed.
Rachel Cruz
Why? Why are they? I'm so confused.
George Camel
I don't know. To this day, the whole thing was very strange.
Rachel Cruz
So weird. You get so many fun, awkward moments in your life, George.
George Camel
Thank you for saying they're fun.
Rachel Cruz
I want some.
George Camel
I find them pain inducing.
Rachel Cruz
I want some.
George Camel
But I'm glad my trauma is your joy. It's a true friend.
Rachel Cruz
Oh, man. You guys. Well, if you enjoyed this episode, make sure to leave a review, make sure to subscribe, and also you'll love the next episode. Coming up, spilling the financial tea with our better halves. Because weddings mean love. And George and I have loves of our own.
George Camel
I have Winston, and they love being on this show. It's one of our top performing episodes. You guys, you wanted the juice and you got it.
Rachel Cruz
You did. Yep. You'll enjoy it. You'll enjoy it. But we'll see you guys next Thursday on an all new episode of Smart Money Happy Hour.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Episode: Tactful or Tacky? We’re Judging the Wildest Frugal Wedding Fails
Release Date: June 12, 2025
In this engaging episode of Smart Money Happy Hour, hosts Rachel Cruze and George Kamel delve into the world of weddings, specifically focusing on frugal wedding fails. The conversation kicks off with light-hearted banter about the essence of being tactful versus tacky when it comes to saving money on wedding expenses.
Before diving into the frugal fails, Rachel and George share snippets of their own wedding experiences, highlighting how they managed to host a memorable event without overspending. George recounts winning a $28,000 free wedding package through a local contest, which greatly reduced their wedding costs. However, the limitation of only being able to invite 50 people led them to host a second, additional reception, inadvertently increasing their expenses. Rachel reflects on their decision to mail out formal wedding invitations, noting a shift in modern practices where digital save-the-dates are more common.
Notable Quote:
George (00:14): “In a gown. That’s crazy. We gotta draw the line somewhere.”
The core of the episode revolves around assessing various frugal wedding strategies to determine if they are tactful or tacky. Rachel and George review several scenarios sourced from the internet, providing their insights and ratings for each.
Spray Painted Grass
A couple spray-painted the grass at their rustic estate venue to enhance photo aesthetics, resulting in bright green feet and shoes post-wedding.
Verdict: Tactful
Quote:
George (07:08): “I think it's tactful. They just didn't think through what would happen on the other side.”
Mashed Potato Exit
Instead of traditional confetti or sparklers, a couple used potato flakes for their send-off, which became messy due to rain.
Verdict: Tacky
Quote:
Rachel (07:58): “It feels weird throwing food. I guess rice is considered, but people don't do rice anymore.”
No Floral Waste
Reuse bridesmaids’ bouquets as centerpieces, ensuring minimal waste.
Verdict: Tactful
Quote:
Georgia (08:57): “Love it. Reduce, reuse, recycle.”
Return Window Wedding Decor
Order decor items from Amazon with the intent to return unneeded items post-wedding.
Verdict: Tacky
Quote:
Rachel (11:24): “That feels wrong to me.”
BYO Desserts
Encouraging guests to bring their own desserts to the wedding reception.
Verdict: Tacky
Quote:
George (12:03): “I'm gonna go tacky. Just skip dessert if that's gonna be you.”
Wedding Fund for Down Payment
Allocating part of a wedding gift towards a down payment on a house instead of solely for wedding expenses.
Verdict: Tactful
Quote:
George (14:35): “We used $20,000 for the wedding plus put $20,000 toward a down payment on a house. No regrets.”
Trader Joe's Flowers
Purchasing affordable flowers from Trader Joe’s as a substitute for expensive florist arrangements.
Verdict: Tactful
Quote:
Rachel (24:57): “Trader Joe's has great flowers. Amen. Hallelujah.”
Wedding Attendance Fee
Charging guests an attendance fee to cover wedding costs.
Verdict: Tacky
Quote:
Rachel (25:12): “You charge people to come to your wedding. That's crazy.”
Rachel and George shift the conversation to essential elements that should not be compromised when planning a wedding on a budget:
Notable Quote:
Rachel (27:22): “I would want a great photographer. But not the most expensive because there's some great ones.”
In the "Guilty as Charged" segment, Rachel and George discuss their experiences with regifting and returning wedding presents.
Rachel: Recalls regifting a generous wedding gift to a friend six months later, which led to an awkward situation when her friend noticed remnants of the original wrapping.
Quote:
Rachel (33:20): “We got a wedding gift, and it was a great gift. We just would never use it, and I ended up regifting it.”
George: Shares a story about attempting to return unwanted gold silverware for a refund, only to have the exchange mistakenly sent to the original gift giver, resulting in an awkward encounter.
Quote:
George (34:50): “They sent it to the person who bought it for us... So we had to contact them, like, hey, you're gonna get a package.”
Wrapping up the episode, Rachel and George emphasize the importance of prioritizing and setting clear boundaries when planning a wedding. They encourage listeners to focus on what truly matters, such as the longevity of marriage over the transient nature of wedding festivities.
Key Takeaways:
Final Quote:
Rachel (30:14): “The wedding’s one day. Your marriage is a lifetime. So take some of that money if you get some and pay for therapy.”
This episode offers a blend of personal anecdotes, practical advice, and humorous critiques of unconventional wedding-saving measures, making it a valuable listen for anyone navigating the often costly journey of wedding planning.