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Uf'li' , Clitheroe 422324 (Editorial), 422323 (Advertising); Burnley 422331 (Classified),www.clitheroetoday.co;uk up home - it is a scary but exciting time


WHERE you live after the wedding and hon­ eymoon is a question usually answered well beforehand. Most couples these days aim to buy their own house or flat because, although renting is in many ways easier and, occasion­ ally, cheaper, the money for rent, once paid, is lost. Repaying a mortgage loan will end up


with a home owned by the happy couple. It is a good idea, if the aim is to buy, to obtain a


mortgage in principle. This means the mortgage lender, bank, building society, insurance company or other, will investigate the income of both part­ ners and state how much they: will be prepared to lend. The couple, can then sally forth to select a home at the righf price.


. An estate agent is a valuable ally in house purchase V ■ - 'M ' I ® - ’• *•■f .„■


flowers, capturing creative and timeless styles for the perfect wedding day. ^


Be inspired at Passion. We offer a unique style in Wedding


PICTURE: Follow our advice


|your best on that big day ! tension of planning your


] in your hair and face. |r and beauty wedding pack- Ithe stresses of getting ready


vhen choosing a headdress.


It buying one that needs long, lif yours is short and fine. Con- Tfor advice. ke full advantage of a person- ion which takes account of l skin tones, personality and


lie with your stylist - specially ping or colouring work. Allow i the wedding for a perm, two


land 10 days for a cut. Jylist to have a practice run -dress and veil a few weeks


png, especially if-it involves a he, I.,. ..V » i.i. V


'.U


Jense of how long it will take to ' |g day. Take photos of the style ' lo ensure it is perfectly recreat-


Itachable veil which leaves your pwers in the hair for the recep-


Istyle that will make you look |and unrecognisable. You want 1 your big day.


[)t to wear a garment or neck- ; to come off over your head 3 ready.


Indi turning your hair before the | _____wedding, it could make


it heavy, droopy and difficult to work with.


BEAUTY Indulge in a beauty


programme starting two months before your wedding day. Have a thorough


consultation with your beauty therapist to define your needs and discuss a look to go with your wedding outfit. Take along material swatches to help decide on colours. Make sure you make


your wedding day appointment well in advance. Have a trial make­


up run two weeks before. If you book make-up, hair and dress trial on the same day you will see the overall look. The make-up on the


day should create an effect which makes you look stunning, and makes you feel better than usual. Blusher should be


used sparingly, sweep­ ing gently on the cheek bones, leading up to the temples. Soft Kohl liner can


be applied from the outside of the eye sweeping in slightly to make eyes,appear larg- • er.


Use a lip liner to pre­ vent lipstick bleed.


I Relax


and enjoy your day


confident in the knowledge that you are beautiful


COUPLES planning to get married will no longer have to follow the 'herd1 with their wedding gift lists. International relief and development agency World Vision is offer­ ing a new nuptial gift option. The charity is calling on brides-to-be and


their wedding guests to use its Alternative Gift Catalogue as part of their wedding gift list and take the opportunity to give a gift to someone less fortunate around the time of their big day. World Vision's Andrea Stephens said:


"Things have moved on from when tradi­ tional wedding gift lists used to help set up a home. In many cases the bride and groom already have separate homes and they sim­ ply.don't need toasters, cutlery and coffee makers." '. - Andrea continues: "Instead, World


Vision's Alternative Gift Catalogue is an exciting way to buy a gift for the newly­ weds, which is then donated to a family in the third world. For mstancc,r£95will buy a herd! of goats for a family in East Africa. It will provide them with milk, a business and an endless supply of fertiliser. "A gift certificate and a personalised card


are sent to the couple detailing the 'wedding present' that is being sent to a family over­ seas. It's a perfect way to share their good fortune and give some health, wealth and happiness to someone in need." Guests can't "bleat" about not being able


to find a unique gift. World Vision has come up with some alternatives to typical wedding presents: • Pots and pans - instead try an emer­


gency survival pack for floods, earthquakes and famines. This will provide one homeless family with life's essentials for only £30. • Bed linen - How about 10 mosquito


nets for families in Rwanda. These nets will protect families from the deadly disease malaria, which kills two million people each year. Cost £53. • BBQ - School lunch for an Armenian


child for a year. This gift will give a child one hot meal every day for a year for only £100, less than the cost of a gas BBQ. • Roses or plants - Fruit trees for a fam­


ily in Vietnam. This will give a family a reg-’ ular crop of fruit which will improve their diet and health and also allow them to sell at markets to earn a little extra income for


only £10. More information on the World Vision


’Alternative Gift'Catalogue can be found at www.worldvision.org.uk or by calling 0800 501010.


, World Vision is a Christian organisation


and one of the world's leading relief and development agencies, currently helping over 85 million people in nearly 100 coun­ tries in their struggle against poverty, hunger and injustice, irrespective of their religious beliefs.


Budget to beat the wedding blues


IT is the biggest day of your life. You have dreamed about it for years. You want every­ thing to be perfect. But it is also one of the most expensive single events you’re likely to .


pay for. The average wedding in 2003, including a


honeymoon (which is usually the biggest extravagance at £2,695), will cost more than £15,000. But, as couples marry later in life - and with a huge proportion (86%) living together first - more and more people are being forced to fund their own weddings. And it seems that lack of money is one of


the primary reasons for people not taking the plunge. Research has shown that.53% of young Scottish couples living together admit that lack of funds is the only barrier to them walking up the aisle; in the UK in general 32% of men and 39% of women would rather not get married if they can’t afford to dp it properly. . . Therefore) it is not surprising that Halifax


Personal Loans estimate that it lends in the region of £50 million a year to make wedding dreams come true. Mr Peter Jackson, head of Halifax Person­


al Loans, says that as times and traditions change many couples are looking at other ways to fund their big day. He said: “Traditionally, the parents of the


bride footed the wedding bill, haying spent years saving for their daughter’s big day. But times have changed. The average bride is now 27 and, therefore:, usually has a career and her independence, and 86% of couples already live together by the time they get married.


“The trend now, especially with such a


buoyant property market, is for parents to help their children with a deposit for a house instead. And while research shows that 51% of couples still get some sort of help from their families, 37%‘now pay for their own nuptials. We believe that, with a certain amount of budget planning, wedding finances can be managed without causing too much


strife.” ’ GUIDE TO WEDDING BUDGETS


• Choose the sort of wedding you want -


church or civil ceremony, wedding breakfast (including number of guests), evening recep­ tion, transport, outfits/dress. • Make a list of everything that needs to


be paid for - helpful guides can be found in wedding magazines and websites so you don’t forget anything. • Research the cost (especially the recep­


tion and associated items such as entertain­ ment, decoration, accommodation) and allo­ cate a budget to each item. • Prioritise the items that are most impor­


tant to you and come up with a realistic bud­ get, allowing for an overspend of about 10%. •


If your parents are helping to pay for the


wedding ask for a budget from them or ask them to pay for certain items. . • When you have a final figure for your


part of the wedding budget assess how you are going to pay for it. Credit cards and over­ drafts may not be the most sensible option as they allow you to stray from your budget. A


■ loan will provide you with a sum that you can allocate to different items as appropriate.


Individually designed and handmade gowns to order, for brides and bridesmaids • Plus all matching accessories Including shoe dyeing service .


17 King St Clitheroe tel 01200 428078 Open Monday-Saturday I0am-5pm Closed Wednesday


Do not forget to keep records of everything that is paid. If you make savings or overspend on certain items, you need to re­ assess your budgets


► T ablew are b y : • Wedgwood


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Helping to make your day special ...which includes: fresh’flowers,


HONEYMOONS & WEDDINGS


Bottle of Champagne, Box of hand finished chocolates, 3 framed portrait photographs, Stationery for those thank you notes, Special surprise gift and £30 on-board credit.


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you arriage certificate h p ted at the R tion D • Discout me u


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tOruba m ft} (rowrftst« rejH n ad p of P60 an gend A ts discouts.


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We guarantee you are the only bride on II I


A comment often used by satisfied customers who ■


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havs chosen to use Rolls


1 S& Royce tor their function. NOWTAKING Weddings catered for 50 to 350!


Hem at Rolls Royce we can cater for daytime


ora/Kitchenwara ' Sioctrical/lighting ’ ,


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Ethos Gallery ■l • OPEN WEDNESDAY 9dm '-'5pm'; ’


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and evening receptions, whether you need e sit


■ ' • you ask we deliver T(.


For further details please tel; ........ 01282 818826,


your wedding day! Licensed for Civil Weddings Rates available 2004/2005 V T id Luxury Bridal Suite with Four Poster Bed .


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15th Century Dining Hall with Minstrels Gallery and Oak Panelling


The most stunning venue in the; 'i i Ribble Valley for-your most precious


. day. Set in six acres of our own gar- ',:. dens with the River Ribble to they ib rear of the hotel you will find no A': other establishment .with such charm and character. Experienced staff will give you personal attention and put / you at ease, relaxed and able to enjoy your day!


, - “ .


"All our guests were amazed by the quality of the service you and.. yoUrstaff provided on the day..Everyone expressed.that it-was a day they will never forget Mr and.Mrs Ian Taylor-Hopkins.


.MITTON.HALL,®


ritten official confenubon of yew t tnf wl# n


onMilf p e IhhLht. ' y of


BRIDE Melanie Nardi with three-week-old baby goat Bibi (short for Bib iarusi, the Swahili word for bride)


Designs Family run business offering Bridal Gown Designers


personal service with quality, clean motor cars and experienced, polite chauffeurs.


> 7 ? »


right through’to^the church and reception.


contemporaryijweddings to the most lavish';»from,Bridal flowers


We cater for the simple


outfits, be it buttonholes, hair flowers or wrist corsages.


Guests may order individual creations to/complete their


3 MOOR LANE, CLITHEROE Tel & Fax: 01200 425431


EXECUTIVE CARS


2 Bee Mill • Preston Rd vRIBCHESTER Tel: 01254 820021 Fax: 01254 820011


Designer gifts for your


Special Day


GIFT VOUCHERS AVAILABLE


I -3 King Lane, Clitheroe


JS Why not get married life off


to a fantastic start with our... ■ ■ * Le ./eg; ■


^ D.J.P % 01200 443340


and will be able to provide a selection of properties at the right price, suggest firms of surveyors and solici­ tors, and, if necessary, b.uilders. It is as well to realise from the outset that apart


from the mortgage, there will be several other expens­ es to face in the course of the purchase. \The surveyor and solicitor will also have to be paid


and there will be insurance to buy. You will be responsible for insuring the bricks and


mortar from the day contracts are exchanged. Con­ tents can be insured when your house has some. Do


ADVERTISING FEATURE


not underestimate the importance of insurance and do not under-insure to save money - it is actually no savingatall. Of course, the property will have to be decorated


(unless it is brand new), and furnished. It is sensible to take time over all this - frankly there are years ahead in which to bring the home to perfection. Decorating may be done on a DIY basis or by pro­


fessional decorators. If professionals are appointed, it is sensible to have estimates or prices for the job from at least three contractors. Remember too that it is not always best to accept the lowest price. • If you DIY, then use the expertise of local DIY


stores, shops and builders' merchants - they are usual­ ly very happy to advise. Just remember to be honest with yourself. If you are not wholly competent to do the jobj do not attempt to - the result can be more expensive than getting in a professional to begin with. Furniture can also be second-hand if you wish.


However, it is worth spending on a really good, new carpet and, of course, a brand new bed. Local stores will have a. huge selection'of both for


you to choose from, and if you bear in mind that you only get what you pay for, you will not go too far wrong. Slow payment terms will almost certainly be available on request. Window dressings are an important feature of any


home. Not only do they insulate the rooms from tem­ perature extremes outside, they also give that all- important first impression of your home to visitors. Remember that the windows are the "eyes" of your home, so dress them well. Local stores will have the fabrics you need to make them up yourself or have made to measure. Blinds too are available, in contrasting shades or


made to match your curtains and interior soft fur­ nishings. • Budgeting is essential if you are to run your home


comfortably and efficiently. Set aside certain sums every month to cover your regular outgoings. Remember to include repairs and maintenance of your property, and do not forget to keep even a small sum aside for the unexpected - it is as predictable as anything else in life. Setting up home is an exciting, if slightly frighten­


ing, time. Your first home together, however, is very special and nothing you ever do together again will ever fell quite the same. So approach the task with courage, flair and inspiration and enjoy the challenge and the final result.


'Tkt


(or 'P w fa i \ JA/aiIs NSI educator.with nine years experience': ' ■f


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Travel in a beautiful immaculate Pink Cadillac to your glittering occasion Weddings a speciality. Arrive with style.


Tomorrow is just one of yesterday’s dreams Ride the dream today


Ring Lynette for more details or to view on Whalley 01254 823049 |


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