Post wedding advice from credit councelors

The wedding is past, the honeymoon has come and gone, now it's time to take a thorough accounting of the your finances. Credit counselors advise that if you want to help ensure a healthy relationship, you're going to have to attack your own debt problem.

To do that, you have to have a plan, and, unfortunately, make some sacrifices. Most experts advise that one member of each couple must be designated a "financial housekeeper." It's not terribly important whether husband or wife balances the checkbook, pays the bills, keeps the financial records and handles other routine chores. But it is important that one person is responsible for getting it all done.

If you do find yourself in debt, the first step in any debt-elimination plan is to stop borrowing. While this may seem obvious, it's a difficult concept for some to master. It may be necessary to cut up your credit cards or freeze them in a block of ice.

Next, some experts advise, make a big one-time payment. If you have money set aside for a house down payment, you might consider using it to pay down your other debts instead. It doesn't make a lot of sense to have investments earning eight per cent, when you're paying 18 per cent on your debts.

Alternatively, you might opt to sell investments and apply the proceeds to your debt, or consolidate your debts into the lowest-cost loan, usually a mortgage. But this only works if you're disciplined, and don't run up your debt again.

The next step includes cutting down your expenses. If your in debt, often it is because you are living beyond your means. You can save as much as $3-4 a day by eliminating trips to coffee shops for specialty coffees and bagels.

The final step to a debt elimination plan is to prioritize your debts. Arrange them in descending order, with the highest interest debt at the top of the list. Typically, this would show something like credit card/car loan/line of credit/ mortgage. Every month, you make the minimum payments for everything but the first one, and then slam every cent you can find on the highest-interest debt. When it's paid off, you give yourself a very slight reward, than apply the same process to the next highest debt on the list.

Glamour Mag wedding night sex survey

GLAMOUR magazine's June issue includes a special wedding section to help ease the last-minute pre-nuptial jitters of the many women taking the marital plunge this month. The most intimate information comes from real couples polled in the "Wedding Night Sex Survey" detailing what Mr. and Mrs. Newlywed do in bed after the knot is tied. 100 recent brides were surveyed. Here are some of the results:

• 30% of respondents fell fast asleep and did not even have sex on the big night
  
• 25% had good wedding night sex
  
• 16% had great sex that night
  
• 97% of couples had already had sex before their wedding night (3% were still virgins)
  
• 43% of brides wore sexy lingerie on their wedding night, bought specially for the occasion
  
• 14% felt performance anxiety pressure about wedding night intimacy
  
• 45% of brides were carried over the threshold
  
• 26% of couples reported wedding night bloopers like forgetting birth control or passing out
  
• 40% of respondents would want to try their wedding night over again, differently--using hindsight
  
• 19% were exhausted the morning after, and needed a week straight of blissfully wedded sleep
  
  

GLAMOUR also helps rescue soon-to-be brides with foolproof tips from celebrities including "E! Entertainment" correspondent Melissa Rivers, comedienne Julie Brown and etiquette expert Peggy Post on how to circumnavigate familiar wedding conflicts like inviting ex-boyfriends to the wedding; preventing tasteless toasts; including stepparents in the ceremony; and wearing your mother's wedding dress. Melissa Rivers suggests letting one groom's blue-blood family foot the bill because the bride's parents could not afford as much. "If you have the opportunity to go first class--the best florist, limitless champagne--by all means, go for it. You only get married once, right?" says Rivers.

The June issue also features a Build A Perfect Wedding Guide with complete wedding planning assistance; steamy Wedding Night Confessions; and horrifying All-Time Worst Wedding Catastrophes. The June issue of GLAMOUR hits newsstands on May 11. The magazine has a readership of more than 12 million.

What if something goes wrong at the wedding?

It's the fear of every bride: What if something goes wrong at the wedding? It did for Jan Schaefer, but she learned that the wedding, like life, goes on.

Jan's tale of trouble started on the day of her marriage to Dick Schaefer, shortly before the ceremony. Her brother, Kevin, noticed a hole along the seam of his tuxedo. Grandmother came to the rescue - with white thread that was touched up with black marker. Still, Kevin, the usher, was not able to seat guests.

"The guests were coming into the bathroom, and I was standing there in my underwear," he recalls.

Meanwhile, Jan's parents, and the groom's parents, went to the front of the church to light the parents' candles in the unity set.

Everything was fine until the mothers lit the unity candle - intended to be lit by Jan and Dick during the ceremony - at exactly the same time. Dick says, "They laughed so hard, they couldn't blow it out."

While most of the guests probably missed the first two incidents, the third was a little hard to miss. Kevin, pants securely sewed together, couldn't get the white runner to unroll before Jan's walk down the aisle.

"I gave it a little tug, and it didn't go anywhere," Kevin chuckles. "I tugged a little harder, but it still didn't go anywhere. I pulled a little harder, and it pulled up all the tacks."

Kevin, tired of the follies, picked up the runner, tucked it under his arm, and took it out of the sanctuary. Jan, oblivious to most of what was happening, just wanted the wedding to begin. And, once it did, everything came off without a hitch.

Common mistakes when selecting wedding rings

Here are some common mistakes brides and grooms make when ordering wedding bands:

Not allowing enough time to order your ring

Since many wedding rings are custom made, many manufacturers require anywhere from four to six weeks to deliver your ring.

Inaccurate finger size

If you don't have an experienced jeweler size your finger, you risk ordering a wedding ring that is too small or too large. If you're ordering a wider ring, it's important that your finger be sized using a wide sizer. In a narrower ring, your finger should be sized using a narrow size.

Not understanding finishes and metals

Jewlers offer many different grades of metals for custom wedding rings: 14K Gold, 18K Gold, Titanium, Platinum and Palladium. Many of these metals offer greater durability and will last longer. Be sure that your jeweler explains to you the various methods of manufacturing wedding bands.

Matching engagement rings

Many engagement rings are designed to standalone. When you try to put a wedding band next to it...they just don't compliment each other. Many people will choose an elaborate wedding band to wear on their left hand after they are married and transfer their engagement ring to their right hand. .

Playboy asks: Is there oral sex after marriage?

The folks at Playboy wanted to know: Is there oral sex after marriage.

To get the answer, they sent a research team into the field-to New York, Chicago and Los Angeles-to do a confidential survey of married men and women between the ages of 25 and 45. They also conducted an online survey

Here's a sampling of the results:

• Half the husbands and wives have sex more than three times a week.
  
• 40 percent have oral sex three or more times a week.
  
• 25 percent report having oral sex maybe once a month.
  
• 14 percent of the men and 20 percent of the women reported never having oral sex.