What do they spend on wedding gifts? How to spend the money donated for the wedding? Irrational use of funds

The solemn event came to an end, the guests parted, and the happy and extremely tired newlyweds went to a cozy nest in anticipation of the wedding night. But, as practice shows, it is not the thoughts of the wedding night that warm the newlyweds, but the mutual desire to count the donated money. And in order for this money to go to the benefit of the newly-made family, you need to think carefully about what to spend it on.

Honeymoon trip

A classic wedding, as you know, always ends with the newlyweds traveling to warmer climes, on a bus tour or in a city of love and romance (like Paris). The money donated for the wedding, in this case, will be most appropriate.

Gift for baby

In cases where a newly married couple is expecting a baby or planning to conceive in the near future, the donated money will undoubtedly be something to spend on. The expansion of living space, the arrangement of a children's room, the purchase of furniture, strollers and other children's "things" require considerable investments, so think carefully about what it is better to spend the money donated for the wedding. By the way, a beautiful stroller, crib and other things and toys necessary for a baby can be ordered in online stores.

Major purchases

When the amount of donated money is impressive, then it would be most reasonable to invest it in a worthwhile purchase. Here it is already necessary to build on the dowry of the newlyweds, if any. An apartment, a car or a country house will be the best investment of gift money. If the donated amount is not enough, it is worth considering the option of a mortgage or a loan, of course, if the newlyweds did not acquire their own housing or car before the wedding.

Closing debts

Sometimes it happens that newlyweds get into small loans to win back a magnificent wedding. Naturally, in this case, spending the donated money on any consumer goods is extremely unreasonable. It is better not to start family life with loans hanging on your shoulders and say goodbye to them as soon as possible.

Business investment

Some newlyweds find it smart to invest in the family business. Well, such a distribution of donated funds takes place. However, we would not advise you to invest in a new business. No one is immune from business failure. And the money donated for the wedding should still be spent on pleasant memories or for the benefit of the family.

Be that as it may, you should not make hasty decisions and scatter money. The money donated for the wedding is a nice bonus for the newlyweds on the solemn day. And only in your power to make this bonus bring joy to your young family.

According to a survey conducted by Deloitte, the majority of Russians prefer money to all other gifts. This answer was given by 64% of the surveyed men and 69% of women.

Russian Standard Bank analyzed more than 500,000 gift cards issued for various holidays and found out what amounts are usually given to women and men, and how they spend such cash gifts.

Where does the money go

The results of the analysis of gift card transactions showed that, on average, 3–4 debit transactions are made on one card. Moreover, users of gift cards by February 23, on average, spend all the funds from them in 2 transactions, and card users by March 8 - in 4–5.

On average, men spend the money donated with the card in 25 days, women stretch the card for 1.5 months.

The bank suggests that this difference in the speed of spending the limit and the number of purchases made can be explained by the difference in mentality: women are less likely to make large one-time purchases.

There is a more trivial reason - the difference in denominations of gift cards. According to the bank, men are 2 times more generous than women: by March 8, the most popular card face value is 10,000 rubles, and by February 23 - only 5,000.

By February 23, most of the expenditure transactions on gift cards are occupied by traditional men's purchases. 5.94% of transactions take place in auto shops. Next on the list are cosmetics (5.6%), clothing (4.97%), household goods (4.91%), building materials (4.54%) stores. The number of expenses on "male" cards also included a bill paid in a beer restaurant and a purchase in a children's toy store.

As for cards, by March 8, transactions in communication stores were among the leaders: mobile phones accounted for 5.8% of purchases. Next come garden supplies and flowers (4.94%), household goods (4.7%), clothing (4.51%) and shoes (3.94%). Among the unusual transactions, one can note large purchases in a candy store and a pet store.

According to the executive director of Empire Privat Banking Kamal Bushi, according to the legislation, identification of a client is not required when buying a gift prepaid card with a face value of up to 15,000 rubles. Therefore, such a gift is easy to make - you do not need to fill out questionnaires and open an account. A card can be purchased by one person and used by another.

True, far fewer Russians will be able to get a gift card for the holiday than they would like. According to Deloitte, only 32% of respondents are ready to give money to friends and relatives.

What is given most often?

According to Deloitte, more than half of the respondents (51%) usually give their friends and family sweets and chocolate, 48% - perfumes and cosmetics.

According to the results of the Nielsen study, Russians most often buy chocolate and chocolates for gifts (68% of respondents). 49% of respondents choose household goods, 48% - toys, 45% - tea, 44% - cakes, 42% - personal care products. The survey was conducted in December 2016 in cities with a population of 500,000 or more.

Over the past year, 49% of respondents bought special gift sets made of sweets and chocolate, 29% - gift sets with tea, 28% - sets with personal care products, 23% - gift boxes of coffee. According to Marina Yerskova, Head of Nielsen Russia Sales Evaluation, gift sets and products in festive packaging are in high demand today among buyers who are especially careful about their budget in the current conditions.

The money received by the newlyweds at the wedding can be used for a variety of expenses, which most often depends on their amount. If relatives, friends and other guests gave the newly-minted husband and wife a lot of banknotes, they can be spent on the next honeymoon and go, for example, on an exotic trip, visit new cities and countries.

Some couples manage to use the capital received to buy a home. Of course, during a wedding, they rarely donate an amount sufficient to buy an apartment or house, but if the spouses already have any savings, then the money received will complement them well and all together will allow them to buy the desired property.

If the newlyweds already have their own apartment, it may need a new renovation and various pieces of interior furniture. In addition, when a man and a woman move to a new house, they immediately need kitchen and bedding, a variety of household appliances, many of which are expensive and require serious savings. It is the money donated for the wedding that can solve all these problems.

Pleasant and useful shopping

An increasing need in every family is a car, which at the same time should be beautiful, reliable and roomy. Often, the money donated for a wedding becomes enough to purchase their first family car or even a more serious unit, if the couple already had savings for this purpose.

Children are a new and usually long-awaited stage of family life. If a couple wants to quickly have children, or the spouse is already preparing to become a mother in the next few months, the donated money becomes a kind of maternity capital and can be used to buy baby care supplies, clothes, cribs, toys, etc.

There are cases when newlyweds donate money to various charitable purposes. Some also take care of their relatives and friends who are in need of material means. The most practical couples open long-term bank accounts and put the amount of money received into long-term storage. Other newlyweds prefer not to think about anything serious and for some time just live on the donated money, not burdening themselves with caring for various difficulties and enjoying mutual feelings while they are at the peak of their development.

Currently, a large number of people who come by invitation to a wedding celebration bring directly money as a gift to the newlyweds. As a rule, many people believe that this is exactly what is missing in a new family. There are also people who simply do not have the time or desire to spend their free time in stores for a suitable gift for such a celebration. Weddings are very expensive these days. As a rule, a significant amount of money is spent on such a ceremony from the budget of a young family.

But, despite all this de money that is given to the young in the family on this holiday, as a rule, they fully recoup all costs. In addition, it is worth paying attention to the fact that with the donated money a young family will be able to purchase directly what they need. Therefore, when going to a wedding, you can not think about a gift, but simply put money in it beautifully and give it to a young couple.

What does a young family do at night

It is worth paying attention to the fact that after the celebration, the married spouses begin to sort out the gifts that were brought to the wedding first of all. Gifts in beautiful wrappers are not very interesting for them. As a rule, first of all, he counts the money that was donated on that day. It is also worth noting that on such a holiday, money is given not only in gift envelopes. But, as a rule, these are not donations, but rather financial assistance that can be useful to the family at the birth of a child. Quite a few couples put such funds aside, and subsequently spend them directly on toys that can help their child develop. Regardless of what the money was donated for, the newlyweds count them. In the first half of the night, they begin to make plans for what the directly donated money will be spent on.

And only after this kind of procedure, the young couple begins to unpack that huge amount of gifts that are sealed in beautiful wrappers. In connection with all such actions, the young couple practically does not have time to rest. But this will not upset them because this is their wedding night.

What funds are collected throughout the wedding

In the event that you have ever been to a wedding celebration, then you know that throughout its entire duration it is the toastmaster who collects financial assistance for the unborn child. Very often, the toastmaster uses children's sliders, tights, or just small packages for this. Nowadays, this kind of procedure has become a tradition at weddings. As a rule, the toastmaster carries two items with him during the collection of funds, in which you can put a certain amount of money. One item belongs to the boy, the other, on the contrary, to the girl. At present, this tradition has been able to turn into a kind of game. In this game, the guests put their money in exactly the item that, in their opinion, the first-born of this family will wear.

Where are funds spent

The money that is given during the wedding is collected and subsequently recalculated by the spouses. It is worth paying attention to the fact that, as a rule, at this time, the funds raised at the wedding ceremony are simply fantastic. But a young family should still think about what to spend these funds on. In the event that the young couple did not have any personal savings for the wedding, then the donated amount can be used for the honeymoon trip. During which the young couple will be able to enjoy each other. It is worth paying attention to the fact that this kind of trip can be remembered by both spouses for quite a long time and bring a lot of positive impressions. The family will be able to spend a honeymoon on donated funds, for example, by going to Venice, Paris, to exotic countries, or simply to the sea. This kind of use of wedding money is very important if young people have not traveled anywhere before.

Very often, young couples after marriage are forced to live directly with the parent. In the event that the amount donated is large enough, a young family can use it to purchase personal living space. It is worth paying attention to the fact that this kind of investment is quite profitable. Having acquired a family nest, a young family will be able to further furnish it with furniture or kitchen appliances that it prefers. If a young couple already has an apartment at the time of marriage, then the funds can be used to purchase kitchen appliances or furniture in their house. Very often, newlyweds use the donated money for repairs in apartments.

As a rule, a young family spends the donated funds on the purchase of home theaters, soft sofas, kitchen furniture and other things. It is worth paying attention to the fact that, as a rule, all these things are necessary for a young family.

Reimbursement to parents

Currently, the wedding ceremony is a very expensive event. As a result, the parents of both spouses lay out significant amounts to pay for the restaurant, fireworks, toastmasters and other things. All this suggests that not only young people invest their finances in the celebration, but also parents. In this regard, after the celebration is over, quite a few young families decide to give their parents the funds that they spent to make the celebration wonderful. But it is worth paying attention to the fact that from the side of a young couple this is the right option. But the parents, in turn, will never take the money brought to them. The thing is that every parent agrees to do everything so that his child's wedding is simply excellent at the same time, without requiring a refund of the money spent. Please note that the best gift for each of the parents will be the happiness of their child. And they don't need more.

Irrational use of funds

I would like to note that some young couples are currently spending money donated for a wedding not rationally enough. Well, for example, from these funds they begin to distribute debts that they have accumulated over a long period of time. Please note that this is not correct. Or, for example, after the end of the celebration, a young couple goes shopping, where they buy, for example, new clothes. This should not be. Do not forget that funds on this day are given by people from the bottom of their hearts. It is expected that this kind of gift will be able to bring joy to the young family and go to some good cause. The young family must find funds for the purchase of clothes or the return of various kinds of debts from other sources. That is why, before you start spending the money donated for the wedding, it is recommended that you first think carefully about what to use it for.

Nowadays, young people are very smart. This makes it possible for a young family to foresee all the options where it is possible to profitably invest the donated funds. It is when used correctly that the whole family will be satisfied. There are a large number of examples when a young family opened their own small business with donated funds. Over time, they expanded it to a certain extent. In the event that you are not interested, it is also very profitable to put donated funds in the bank. Over a certain period, interest will accrue on the amount due. Thus, you can increase the amount donated for the wedding celebration.

There are a very large number of options for how to use the funds that are given for a wedding. But how to spend them is up to the young couple to decide. It is worth noting that a fairly large number of people expect that all these funds will be used very rationally. Of course, the right way to spend money is to buy your own apartment. The thing is that people who decide to join their destinies in marriage expect to live a very happy and fun life together. And this suggests that over time there will be replenishment in the family, which will require personal space. But do not forget that only a young family has the right to decide how to spend the donated funds.

How to prepare for the wedding: Articles

Going on a honeymoon trip is the most popular way to spend donated money. You can recover after the wedding fuss and spend time together without any worries.

• You can come up with a destination for a trip for almost any budget. A luxurious vacation in a five-star bungalow in the Maldives, a romantic trip with tents to the Crimea, an expedition to Everest or a European tour - you can always choose based on the amount of the gift. For example, you can fly to Cyprus or Sri Lanka this summer and relax for 10 days in a five-star all inclusive hotel for 120-150 thousand rubles. A trip to Paris in the fall will cost from 200 thousand rubles.

• Usually, travel agencies offer newlyweds discounts on honeymoon trips or even whole packages of services (including organizing a ceremony abroad), and hotels give pleasant gifts from champagne to SPA.

2. Having a baby

The money donated for the wedding can also be used to put your health in order and undergo the necessary examinations before becoming parents. Or set aside a certain amount for childbirth and the first year of a child's life. Children are quite an expensive pleasure: most likely, you will want a beautiful stroller (from 20 thousand rubles), a crib (from 10 thousand rubles), a baby monitor, a developing play mat and the most ergonomic sling, and also make repairs in the children's room and buy it in a private clinic service package for the first year of a child's life for 70 thousand rubles.

• Such an airbag will not only help to cope with the expenses associated with the appearance of a child, but also strengthen the family: it will formulate your plans and remind you of your goal for the future.

• You will be able to fully devote yourself to the child at least in the first month and not worry about whether you have enough money for diapers and whether the vaccinations given in children's clinics are safe.

3. Mortgage

The new family needs its own home. If you don’t have your own apartment, but are tired of living in a rented apartment, you can spend wedding money on a down payment on a mortgage loan. This is the right investment for those who want stability and a clear vision of the future for the next few years.

• Investing in real estate is almost always profitable, even if it is a mortgage. Housing prices are only growing every year, and it seems fantastic to save up for your own apartment in a few years without sacrificing good rest and entertainment.

• A mortgage on a new apartment is more profitable than on a second home. For example, you want to buy an apartment for 2 million, then the down payment will be 300 thousand rubles, and the monthly payment will be about 22 thousand for 10 years. Renting a decent two-room apartment in Voronezh costs about the same. The bank offers favorable conditions for the purchase of a new building.

4. Repair

If you are lucky and you have an apartment, the money can be spent on repairs. Capital or cosmetic with the purchase of new furniture - choose what you need and do it. If the immediate plans include the birth of a child, then it is better to foresee this moment in advance, for example, consider zoning and make the apartment safe. You can also upgrade your appliances - from a dishwasher that will once and for all solve the question "who does the dishes?" to a projector from which you can watch movies with friends.

• This is a good investment because you will live in a comfortable space and enjoy it every day.

• Equipping a common apartment, you think over a joint life (if you lived together before that for a very long time) and make plans for the future. This strengthens the relationship.

5. Contribution

Opening a bank deposit is a suitable option for newlyweds who have not yet decided what to spend their money on. Or for those who want to save a little more and buy something more expensive. Let's say you were given 200 thousand rubles, and you need 400 for repairs. You open a deposit that can be replenished and collect the required amount. This option is also suitable for those lucky ones who still have a decent amount left, for example, after traveling or buying equipment home.

• You can choose a deposit with interest - then the amount in your account will increase. A deposit with good conditions will help not only to securely save, but also increase your funds.

• The likelihood that you will spend money on various little things like a cappuccinatore or a hoverboard, because you don’t know what to buy, but really want, is minimized.

6. Car

If you often travel close distances and hate urban transport, this is an ideal investment. And as a wedding gift, it is also quite a decent purchase, guests will be satisfied. Most likely, it will be either a new domestic car or a foreign car from the secondary market. For example, KIA 2015 with low mileage can be found for 500-600 thousand rubles, and LADA Granta will cost about 300 thousand rubles.

• You do not have to think about inflation, depreciation and other financial intricacies, because the money can be spent immediately on the necessary thing.

• The car can always be resold if you want another or need a large amount of money.

7. Business

Donated money can not be spent, but invested: invest in your business, for example. Buy good equipment if you are into photography, or rent a studio for several months if you plan to develop your business in the beauty industry. Perhaps you want to open a common family business, then the gift can be used as start-up capital.

• A shared family business means that you and your spouse won't have to be apart for long periods of time because you'll be working together.

• With the right approach, the money invested after a while will begin to make a profit, and you will call yourself an individual entrepreneur.

Poll results

We conducted a survey among readers of the site and found out what the newlyweds spent or are going to spend the money they were given for the wedding. The most popular answer turned out to be a honeymoon trip - 33% of respondents chose this option. 18% of young families decided to make repairs in the apartment and update the equipment, and 11% decided to buy a car. 15% of respondents took an apartment on a mortgage with donated money, and 9% opened a deposit. 4% of the newlyweds decided to invest in a business, and the same amount set aside funds for the birth of a child.