Planning the weekend trip with friends? Here’s how to divide the costs

Although the financial costs of the prevention of the smuggler were inevitable, Hansen wanted to avoid adding emotion: in particular, feelings of dissatisfaction, guilt, or disappointment that often arise with mass trips. Since income and spending habits differ within the group of friends, these feelings can double and fade. A friend may not drink alcohol or eat meat. This can easily cause problems if they are expected to divide the signs of a cocktail tab and heavy pity with their friends who do it. Another may make much less than others in the group, but it feels uncomfortable recognizing this fact.

The Hansen dilemma will be familiar to a lot of 20 and 30 years old, which has attended expensive weekends with friends, Bridal wedding partiesOr even concerts. Almost 40 % of Gen Z and Millennials say they have a friend who leads them to excessive spending Data from vine creditAnd while eating abroad and birthday celebrations lead to extravagant spending, wedding parties, bachelor’s and bachelor’s parties are special pain points. About 56 % of the members of these generations feel they are These events must be attended Even if he would put financial pressure on it, separate Discover a credit vine survey. As a result, 38 % say they took debts.

Hansen, 31, took pain to avoid these results. I started asking about the preferences of her friends via Google Before reserving anything, planning about the budgets of friends who are teachers like those who work in more profitable professions such as sales. The group also used applications like SplitWise and TAB to track what everyone spent (with SplitWise, friends can divide dinner marks as they want, and taxes and advice are automatically re -calculated). In this way, friends who did not participate in drinks were not obligated to divide the cost while they were not drinking, and there was no embarrassing dance for those who got this time, especially since some of the attendees were only meeting for the first time on the trip. Everyone was allowed to keep their own budget.

For less than friends, Hansen managed to use credit card points to help pay the price of their trips. Honor maid put up payment plans with friends who wanted to attend but were unable to enhance the total cost simultaneously. Hansen admits that she is fortunate to be able to do so and that she was not financial pressure on her honor maid; It only works if everyone is honest about what they can bear.

“I tried to make it no pressure,” she says. “If you need help, this is my wedding, and I want you part of it. I can help.”

Shared trips etiquette

Thomas B says. Farley, a major spokesman and etiquette also known as Mister Manns.

“There should be no financial surprises,” says Farley. “Although this may seem excessively pragmatic, it can help avoid misunderstanding, and harm feelings and credit cards made of bruises after the truth.”

If you are asking people to come on the trip, think about whether there are any expenses that you can completely cover, such as a dinner or exclusive journey, and make it known from the jump that you will pay for that. This can help reduce stress: According to Credit Karma, 48 % of the Millennium and respondent generation are believed that the bride or groom should cover at least some costs of a bachelor’s or bachelor’s journey, such as travel and housing; 32 % believe that the bride or groom should cover all its costs.

Also keep in mind that guests may need vacation days to attend or miss other events in their lives. Try to create a space in which friends feel safe to discuss their financial expectations; Money can cause anxiety and other increasing emotions, and you want to make sure that everyone spends a fun time without worrying about their bank account.

Jack Huard, the head of the well -being in Mali ally.

How to withdraw

However, the person who plans for the trip can only do a lot. Farley says that those who have limited money or different financial priorities need “to be brave enough to cancel the subscription.” Regarding, skip parts of the flight line that does not fit your budget as needed. Yes, you may feel uncomfortable or embarrassing, but friends will understand your limits.

“Any friend should not lose sleep on how they get out of the debts they incur during a single destination party, a weekend of skiing, or even an expensive dinner,” he says. “If this is not within your budget, it is better to share it frankly.”

Hamila Musayifa, a coach of arts accredited by the International Literature and Protocol in London, says she is dealing with a conversation about group comfort, rather than distinguishing anyone in the group. This helps to open the door for sincere dialogue.

“The most graceful way to approach is with clarity and sympathy,” says Musaeva. “You might say,” I would like to join, and I want to make sure that we are all parallel to budget expectations before reserving anything. Should we put a scope of spending until everyone feels comfortable? ”

If someone suggests an expensive activity, you cannot work in your budget, then there is nothing wrong with retreating, but the tone is everything in these situations, she says. You want to be warm, unofficial and proactive.

“It will be a polite but firm way to respond,” she says. “This looks amazing! It might be outside my current budget, will anyone be open to a decrease? “You can also provide alternatives to show that you are still excited to participate, just within the limits of your capabilities.”

In fact, if you are a friend with a limited budget, you should aim to participate in the planning process, says Zina Comok, financial advisor and personal finance expert. This way you can control the cost.

“It is not fair for your friends to plan everything, then you complain that you cannot bear it, you must participate,” says Comok. “If you don’t have time to plan, you need to give your friends your total budget and ask if they can adhere to that.”

Check with yourself

In the situations where there are great variations between those who orders what is in the restaurant, or when a friend routinely stuck to pay more than his fair share, Andrea Warch, a personal and budget financing expert, says it is acceptable to request separate checks. This can help “to avoid the embarrassing moment when you try to detail the bill,” says Warning. Just inform your server at the beginning of the meal.

Otherwise, do a discussion before your group exits on how to divide the bill. Regardless, make sure that someone in the group either takes a picture of all receipts, or keeps physical copies in one place.

Erika Rasure, Chief Financial Well Consultant in behind Finance, a financial services company, suggests allocating 15 minutes after receiving the invitation to review your budget and know the amount you can spend (or you want it). If you are worried that you will explode your budget at the present time – which may be easy to do in the midst of a good time with friends – you suggest downloading your budget on the prepaid debit card before the trip.

“This way you can pass without worrying about exceeding or touching your credit card,” says Rasure. “It’s a truly simple tool that helps you keep you on the right track.”