Although a summer wedding can be wonderful, with the warm weather, the blue skies, and the beautiful greenery, there is little more magical and enchanted than a winter wedding, where you can enjoy crisp white snow, twinkling fairy lights, and Christmas card settings for your wedding pictures.

Many people decide to get married in the winter season these days, with the romance of winter wedding having been highlighted by a variety of television programmes.

If you have recently proposed or been proposed to, and you are planning to get married this winter you may be wondering how you will be able to raise the cash in such a short space of time.

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A recent report has revealed that the global credit crunch, bad debt levels, and increased worry amongst UK lenders could be having an even deeper impact that originally thought. Many different areas of the finance sector have been hit by a combination of these factors, and consumers looking for anything from credit cards to mortgages have felt the pinch, as the range of products becomes smaller and lenders become less willing to take a risk. There has been an increase in the number of rejected applications for both credit cards and mortgages, and lenders have really increased stringency when it comes to offering these types of finance.

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After the dubious summer we’ve had in 2007, we’re now having an even more dubious winter. There has been a sharp drop in temperatures and set to go even lower. The MET office’s prediction is that temperatures will fall to below 4.3C (40F), compared to last years average of 5.6C (42F). To put that in perspective, the average temperature this summer was 26C (79F). Whichever way you look at it, it’s cold!

While the cold weather is uncomfortable for us all, it’s even worse for the elderly. Their fuel bills rise like the rest of us, meaning many pensioners struggle to afford their much-needed heat.

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