conversation: User (pancakes03): "Hi\n\nI'm looking for advice.\n\nMy fiance and I are getting married in a little less than two months. We just revisited our wedding budget, and based on our cash on hand and cash flow for the next 6-8 weeks, it looks like we'll fall about $3K short of paying for our wedding in cash.\n\nWe'd like to take out a credit card in her name to pick up the $3K debt, and we're planning to pay it off within 2 months after the wedding (likely 1 month, IMO).  We believe her credit score is in the average range, 630-689.  Any recommendations on what credit card would make sense, considering the objective? \n\nIs there a better way to cover the $3K, considering that we both work full time+ and cannot take on another job and we're already living very frugally (no TV, walk to local places, cook most dinners, bring lunches to work, etc.).\n\nThanks for taking the time to read and for any advice you're able to provide."
  Self: "If there is anyway to make very small adjusts to the wedding budget to minimize the amount needed, I'd do that first. There are sites out there that help you pick credit cards to sign up for. I'd just make sure it's fee free and has rewards with it. I personally love my Amex card and they have a great website too. Congrats!"
  User (pancakes03): "Several comments about reducing the remaining wedding spend, so I'll provide a general response to everyone via Packerfan80.  \n\nThere's actually not much to cut at this point.  We shopped around for DJ's/florist/officiant/photographer based on personality, quality of work, and price (this was my big one).  We found what we truly believe are the right people, and went for the base packages for all.  All that remains to be paid for our wedding is the balance for each of those services.\n\nThe $3K overspend is actually not due to the wedding, but a car issue.  Normally we would have an emergency fund for this stuff and wouldn't blink an eye, but we've been funneling (and unfortunately, counting on) everything going towards the wedding.\n\nI'm all about having a solid emergency fund, but I was divorced 1.5 years ago and the expenses put me back.  I was separated for 2.5 years before the divorce and paying through the teeth monthly because of our income differential.  The good news is that is all over, my cash flow is great, my debt is decreasing rapidly, and we have a plan to be completely debt free (except for our house) in 1.5 years.  We plan to be debt free including the house in 4-5 years. Our goal is to reach FI within 10 years, but I think we're going to over achieve.  Probably more info than anyone wanted, just sharing for context.\n\nI think I will aim for a fee free, 0% introductory rate card that we can put the $3K on and then pay it off within 2 months.  I do appreciate the advice from everyone, Personal Finance is a great community with a wealth of knowledge."
  PetiePal (PetiePal): "Can you count on $3,000+ in the wedding gifts? Then I say to for it otherwise find a way to pare it down you never want to start marriage in debt if at all possible. "
  