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CNBC
16 hours ago
- Business
- CNBC
Should you use home equity to pay for a wedding?
Couples who got married in 2025 spent an average of $36,000 on their wedding, according to Zola, up from $33,000 in 2024 and $29,000 in 2023. While many people save up for the big day, nearly a third (31%) charge their wedding expenses. With credit card interest rates sailing past 21%, the bride and groom (or their parents) might be tempted to find other ways to finance the big day. Home equity loans and home equity lines of credit (HELOCs) have lower rates than cards and allow you to borrow a lot more money. You'll also have a lot more time to pay off the debt. But is it a smart move to tap your home equity for a wedding? We asked the experts. Home equity is the percentage of your home you own outright, versus your outstanding mortgage balance. If you pay for your home in cash, for example, you'll start with 100% home equity. If you put 20% down, you'd have 20% home equity at closing. Your home equity grows as you make mortgage payments, but it can also increase if you make home improvements or property values increase. One of the benefits of home equity is being able to leverage it to take out a home equity loan or HELOC. Because the debt is secured by your house, you can usually get a better rate and terms than other kinds of financing. But that also means your lender could foreclose if you fail to make on-time payments. Experts encourage homeowners to think twice before tying up their home equity to fund their big day. "The most clear downside is that you're putting your home at risk for this one-time event," Jovan Johnson, founder of Atlanta's Piece of Wealth Financial Planning, told CNBC Select. "It can be 20 years, or even more, before you pay off that debt." You're also taking a substantial financial risk at the very start of your life together, Johnson added."Life happens. You have to plan for the worst-case scenarios," he said. "If you have to relocate, or something happens and you have to sell your home, that's equity you lose out on." If you're determined to borrow money to pay for your wedding, Johnson said, "I would always start by asking you to consider less risky options — preferably something without your house being collateral." More than one in ten couples use personal loans to finance their wedding, according to Zola. Because of their intended use, they're often referred to as "wedding loans." Here's how a wedding loan compares to home equity financing: If you opt for a wedding loan, LightStream guarantees it will beat competitors' rates and Upstart accepts applicants with credit scores as low as 300. Both made CNBC Select's list of best lenders for wedding loans. 6.94% - 25.29%* APR with AutoPay Debt consolidation, home improvement, auto financing, medical expenses, and others $5,000 to $100,000 24 to 144 months* dependent on loan purpose Good None None None Terms apply. *AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. 7.8% - 35.99% Debt consolidation, credit card refinancing, wedding, moving or medical $1,000 to $50,000 36 and 60 months Credit score of 300 on at least one credit report (but will accept applicants whose credit history is so insufficient they don't have a credit score) 0% to 12% of the target amount None The greater of 5% of last amount due or $15, whichever is greater Terms apply. If you're approved for a home equity loan or HELOC, you can use the funds for nearly any reason, including paying for a wedding. You'lll get a lower interest rate than with a personal loan or credit cards, and you'll have a single debt rather than numerous credit card bills. But experts advise caution because it requires using your house as collateral and could risk foreclosure. If you're determined to borrow from your home equity to pay for a wedding, a HELOC may make more sense. Interest rates can be lower and you can borrow exactly how much you need, rather than paying for financing you didn't use. You can determine your home equity by subtracting your outstanding mortgage balance from your house's current market value. If your property is worth $500,000 and you have $200,000 on your mortgage, you have 60% equity ($300,000). Reach out to a realtor or appraiser to understand your home's market matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every mortgage article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of mortgage products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Yahoo
2 days ago
- Entertainment
- Yahoo
‘Delusional' bride bans Gen Z sister from ‘childfree' wedding — yet demands a gift: ‘You're not mature enough'
This bride's commitment to keeping her big day childless is childish. Banning babies at a formal fête is fair. However, barring your 19-year-old sibling from your alcohol-free nuptials, simply because she's not over the age of 21, but demanding the excluded Gen Z fork over a wedding present, is foul — so says incensed social media savages. 'My older half-sister [didn't] invite me to her childfree wedding as I am nineteen, expects a gift,' an enraged, anonymous Redditor titled a post in the platform's 'Family Drama' forum. The offended youngster shared screenshots of the bride-to-be's rude request for a goodie from the wedding registry, despite her refusal to extend an invitation. 'It's super common for people who can't make it to send a small gift,' argued the future newlywed, to which the teen responded, 'Can't make it [is not the same as] not invited.' Talk about unbridled audacity. Hosting a child-free matrimonial ceremony is a rising movement among couples heading towards the altar. In fact, a staggering 46% of pairs are keeping kiddos off of their guest lists while tying the knot this year, according to a 2025 wedding trends report via Zola. Still, a few sweethearts are taking the ban a bit too far. Some lovebirds hire wedding nannies to ensure little ones stay out of sight and earshot during their hitching, while others disinvite people with children, rendering their extremely exclusive ceremonies totally tot-less. But when it comes to the bride snubbing her legal-aged little sis, the internet is not on the engaged diva's side. 'Your sister is delusional,' a commenter assured the 19-year-old. 'This is one of the craziest things I've ever seen,' said a separate supporter. 'Older teens aren't children regarding being invited to a wedding — and mine was child-free.' 'It's not that she doesn't want anyone under drinking age,' another suggested. 'She's just cheap and doesn't want to pay for the extra plate for someone she doesn't care about having there.' One helpful spectator even offered the Zoomer a sweet response to the bridezilla's petition for a present. ''I consulted Reddit. The general consensus was that it is wholly unreasonable to expect children to purchase wedding gifts. That is their parents' responsibility. As a child who is not invited to your wedding, I can't imagine any circumstance where it is my responsibility to buy a wedding gift.''
New York Post
3 days ago
- Entertainment
- New York Post
‘Delusional' bride bans Gen Z sister from ‘childfree' wedding — yet demands a gift: ‘You're not mature enough'
This bride's commitment to keeping her big day childless is childish. Banning babies at a formal fête is fair. However, barring your 19-year-old sibling from your alcohol-free nuptials, simply because she's not over the age of 21, but demanding the excluded Gen Z fork over a wedding present, is foul — so says incensed social media savages. 5 A 19-year-old revealed that she's been deemed too young and 'immature' to attend her sister's wedding, but is still expected to give the bride and groom a gift. Yuliia – 'My older half-sister [didn't] invite me to her childfree wedding as I am nineteen, expects a gift,' an enraged, anonymous Redditor titled a post in the platform's 'Family Drama' forum. The offended youngster shared screenshots of the bride-to-be's rude request for a goodie from the wedding registry, despite her refusal to extend an invitation. 'It's super common for people who can't make it to send a small gift,' argued the future newlywed, to which the teen responded, 'Can't make it [is not the same as] not invited.' Talk about unbridled audacity. 5 Social media readers were stunned by the 'delusional' bride's unwillingness to invite her adult sister to the wedding. Ljupco Smokovski – Hosting a child-free matrimonial ceremony is a rising movement among couples heading towards the altar. In fact, a staggering 46% of pairs are keeping kiddos off of their guest lists while tying the knot this year, according to a 2025 wedding trends report via Zola. Still, a few sweethearts are taking the ban a bit too far. Some lovebirds hire wedding nannies to ensure little ones stay out of sight and earshot during their hitching, while others disinvite people with children, rendering their extremely exclusive ceremonies totally tot-less. But when it comes to the bride snubbing her legal-aged little sis, the internet is not on the engaged diva's side. 5 The Gen Z was stunned by her sister's request for a gift even though she was not invited to the wedding. Reddit/weddingshaming 5 The unbending bride argued that the Zoomer was not 'mature enough' to attend adult events. Reddit/weddingshaming 5 Outraged Reddit users agreed with the Gen Z, calling her sister 'crazy' for demanding a wedding gift. Reddit/weddingshaming 'Your sister is delusional,' a commenter assured the 19-year-old. 'This is one of the craziest things I've ever seen,' said a separate supporter. 'Older teens aren't children regarding being invited to a wedding — and mine was child-free.' 'It's not that she doesn't want anyone under drinking age,' another suggested. 'She's just cheap and doesn't want to pay for the extra plate for someone she doesn't care about having there.' One helpful spectator even offered the Zoomer a sweet response to the bridezilla's petition for a present. ''I consulted Reddit. The general consensus was that it is wholly unreasonable to expect children to purchase wedding gifts. That is their parents' responsibility. As a child who is not invited to your wedding, I can't imagine any circumstance where it is my responsibility to buy a wedding gift.''
Rhyl Journal
25-07-2025
- Entertainment
- Rhyl Journal
ITV Under the Bridge: Full cast list and when it's on TV
Under the Bridge is an adaptation of Rebecca Godfrey's 2005 true crime book of the same name. It details the brutal murder of 14-year-old Reena Virk in British Columbia, Canada, in 1997. A synopsis of the miniseries reads: "In 1997, 14-year-old Reena Virk [Vritika Gupta] attends a party on a quiet island in British Columbia in Canada, and never returns home. "Reena's disappearance intrigues a novelist [Keough] who has returned to her home town, and finds herself drawn into the hidden world of the teenage suspects." Riley Keough, who is known for her roles in films like Mad Max: Fury Road, Logan Lucky and Zola, plays author Rebecca Godfrey. Meanwhile, Lily Gladstone, who was nominated for Best Actress at the 2024 Oscars for her role in Killers of the Flower Moon, plays Office Cam Bentland. Under the Bridge was originally released on Disney Plus in 2024 but will now be coming to terrestrial TV as well. The poster for Hulu series 'UNDER THE BRIDGE' starring Riley Keough and Lily Gladstone has been released. Premiering on April 17. (via @EW) Lily Gladstone as Cam Bentland Riley Keough as Rebecca Godfrey Vritika Gupta as Reena Virk Chloe Guidry as Josephine Bell Javon "Wanna" Walton as Warren Glowatski Izzy G as Kelly Ellard Aiyana Goodfellow as Dusty Pace Ezra Faroque Khan as Manjit Virk Archie Panjabi as Suman Virk Anoop Desai as Raj Masihajjar Matt Craven as Roy Bentland Daniel Diemer as Scott Bentland Jared Ager-Foster as Connor Fields Maya Da Costa as Maya Longette Arta Negahban as Laila Zahrani Isabella Leon as Samara Bailey Dayah Brar as Sajal Virk Nazeem Jang as Aman Virk Meg Roe as Susan Spiros Michael Buie as George Spiros Ella Dixon as Marissa Leardi Recommended reading: Everything to know on ITV's Karen Pirie series 2 starring Lauren Lyle Everything to know on The Couple Next Door Series 2 starring Annabel Scholey 3 key things to know about new BBC drama Mix Tape that airs this week The first episode of Under the Bridge will air on ITV1 at 9pm on Friday, July 25, with the second episode following immediately afterwards at 10pm. After that, the third episode will air at 9pm on Friday, August 1 but schedule times have not been added for the remaining five episodes at the time of writing. Episodes will be available to watch on ITVX as well.
North Wales Chronicle
25-07-2025
- Entertainment
- North Wales Chronicle
ITV Under the Bridge: Full cast list and when it's on TV
Under the Bridge is an adaptation of Rebecca Godfrey's 2005 true crime book of the same name. It details the brutal murder of 14-year-old Reena Virk in British Columbia, Canada, in 1997. A synopsis of the miniseries reads: "In 1997, 14-year-old Reena Virk [Vritika Gupta] attends a party on a quiet island in British Columbia in Canada, and never returns home. "Reena's disappearance intrigues a novelist [Keough] who has returned to her home town, and finds herself drawn into the hidden world of the teenage suspects." Riley Keough, who is known for her roles in films like Mad Max: Fury Road, Logan Lucky and Zola, plays author Rebecca Godfrey. Meanwhile, Lily Gladstone, who was nominated for Best Actress at the 2024 Oscars for her role in Killers of the Flower Moon, plays Office Cam Bentland. Under the Bridge was originally released on Disney Plus in 2024 but will now be coming to terrestrial TV as well. The poster for Hulu series 'UNDER THE BRIDGE' starring Riley Keough and Lily Gladstone has been released. Premiering on April 17. (via @EW) Lily Gladstone as Cam Bentland Riley Keough as Rebecca Godfrey Vritika Gupta as Reena Virk Chloe Guidry as Josephine Bell Javon "Wanna" Walton as Warren Glowatski Izzy G as Kelly Ellard Aiyana Goodfellow as Dusty Pace Ezra Faroque Khan as Manjit Virk Archie Panjabi as Suman Virk Anoop Desai as Raj Masihajjar Matt Craven as Roy Bentland Daniel Diemer as Scott Bentland Jared Ager-Foster as Connor Fields Maya Da Costa as Maya Longette Arta Negahban as Laila Zahrani Isabella Leon as Samara Bailey Dayah Brar as Sajal Virk Nazeem Jang as Aman Virk Meg Roe as Susan Spiros Michael Buie as George Spiros Ella Dixon as Marissa Leardi Recommended reading: Everything to know on ITV's Karen Pirie series 2 starring Lauren Lyle Everything to know on The Couple Next Door Series 2 starring Annabel Scholey 3 key things to know about new BBC drama Mix Tape that airs this week The first episode of Under the Bridge will air on ITV1 at 9pm on Friday, July 25, with the second episode following immediately afterwards at 10pm. After that, the third episode will air at 9pm on Friday, August 1 but schedule times have not been added for the remaining five episodes at the time of writing. Episodes will be available to watch on ITVX as well.
