"Neither of us wanted the traditional wedding; we didn't want the attention ... plus at our age the expense put us off," says Vanessa, who saved $45,000 by eloping.
"Most of my examples of using the Bank of Mum and Dad have been quite negative, not so much from a financial perspective but from an emotional and relationship experience," warns financial adviser Chris Carlin.
We buy cars we can't afford, eat in overpriced places, purchase clothes that put us into debt. Above all, we never, ever talk about our actual finances with anyone. Why?
Clare is already contributing extra to her own super but her partner will be 80 before Clare reaches retirement age - should they top up his super too?
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