Monday, March 29, 2010
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Monday, March 1, 2010
"A bill registry is similar to a traditional online wedding registry, in which you sign up for the gifts you would like to receive for your wedding. However, with billpayregistry.com, instead of gifts, you register your unpaid bills and have your friends and family make contributions to your debt as a gift to you. One of the great things about billpayregistry.com is that it's not limited to just weddings! Any event (birthdays, Christmas, Hanukkah, etc.) is a great opportunity to get rid of your debt once and for all and start living again. As you receive gifts, request the bills that you would like us to pay for you and we'll submit a payment on your behalf."
Ahhhhhhhhhh!!!!!!!!!!! (That's me this morning nearly smearing my eyeliner while listening to this.) Now I am in no way slamming the guy (yes, it was a guy) who developed this site. On one hand, it's actually a pretty good idea (from a business perspective) that I think a lot of people (sadly enough) will buy into... He says he's not doing it to make a profit, and I honestly think his intentions are good here - so kudos on that end. However, this idea of asking wedding guests (or whomever) to pay off your debts hits me like nails on a chalkboard for two very specific, but very different reasons (and yes, I'm totally picturing myself standing at a podium with my finger pointed as I type this)...
1. A bride and groom should never ask for money. There, I said it. And I know a LOT of people will disagree with me on this, and I'm fine with that. And I also know that in some regions it's very traditional to give cash gifts for weddings. Not so much in the South, but I know it's very big elsewhere in the U.S. Nothing wrong with that at all - you can give whatever you want and shoot, cash is always appreciated! But you should never ever *ask* for it - by whatever means. Things like honeymoon registries make me want to vomit. So naturally, the idea of someone asking for money to pay their bills... well just go ahead and hand me a spoon. And not to mention, would you not (as a guest) be tallying up the cost of the wedding you're attending in your head, wondering why the hell you're paying these people's bills when the bride's floating around the dance floor in a $2,500 gown? Just sayin'...
2. You need to clean up your own mess. As someone who has been working her tail end off with her husband the last 18 months to get rid of debt, I find the idea of setting up a "debt registry" very insulting. But my feelings aside, if you've made a financial mess of things, you need to clean up your own damn mess. This doesn't mean people can't help you - my parents have been a HUGE help to us and we're incredibly grateful. But you've got to take responsibility for your shit. Grab the poo bags and get to scoopin'. Depending on family and friends and (*cough*) wedding guests to bail your ass out is ridiculous. It may sound inviting and maybe even "smart" to some. And hey, maybe your guests will buy into too and they can get you out of debt. But I'm willing to bet you'll be right back in the hole - and probably a deeper one - by your 2nd anniversary. The thing is, if you've made a mess, you need a new plan. You will not learn your lesson and make the behavioral changes you need to make by letting others clean up your mess. Getting out a debt - REALLY getting out of debt for good - is a spiritual journey. Don't miss out on that.
Alright... off my soapbox and back into my desk chair for now. So what do you guys think? Would you opt for this type of registry as a bride or groom? Would you participate as a guest? No worries - I'm not gonna slam you if you disagree with me. I'm just curious as to what others think.
Hope y'all have a great week!