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I. Deciding You Are Ready to Date:<br />

A. Are You Ready?<br />

Before you even begin dating, you must set goals<br />

and ask yourself some questions. What do you want from<br />

life? What do you want from your spouse? Where do you<br />

want to live? Questions like these should be answered<br />

from the start.<br />

If you are a male, you need to decide if you can<br />

support a girl. You cannot enter a marriage assuming you<br />

will be supported by your wife (or your parents); you<br />

need to put forth effort to support her. If you choose the<br />

Kollel path of life, you would need to figure out how<br />

much pay you will receive, whether your parents will<br />

help with support, or whether your wife will work and<br />

support you. A criterion for a wife may be that she must<br />

work because you plan on learning. However, you still<br />

need to make sure that you have what it takes to support<br />

a wife and, eventually, a family.<br />

Common questions that you should answer before even<br />

deciding to date:<br />

What are your life aspirations? What type of girl/boy are<br />

you looking for? Would you be willing to relocate? Do<br />

you have financial stability? Are you ready for such a<br />

commitment? Do you have a support system? Are you<br />

willing to compromise? Do you feel accomplished in your<br />

life so far? Do you feel that you have learned enough?<br />

If you plan on starting off your married life in<br />

kollel, you need to figure out; how long are you going to<br />

stay in Kollel for? Is Kollel leading up to a job or is it open<br />

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ended Kollel? Is there a job waiting for you when you<br />

decide to take it? Do you have the degrees necessary for<br />

that job when you finish? Do you realize how much your<br />

costs will go up when you have children?<br />

If you are a female, are you willing to work for a<br />

bit until your husband is able to find a steady job? Are<br />

your parents willing to help support? Will you continue<br />

working when pregnant or while having a child? Are you<br />

ready to start working immediately after getting<br />

married?<br />

There are many other questions that need to be<br />

answered. You may want to speak to your rabbi, parents,<br />

and friends to help explore priorities and other elements<br />

involved in finding a match.<br />

B. Support System<br />

A support system is one of the most important<br />

things that you need while you are dating. You will have<br />

questions during the dating process, such as: “Perhaps I<br />

am not ready to date.” “Perhaps he or she is not the<br />

one/my basheirt.” “Perhaps I am settling and not getting<br />

what I feel I need/want.” “How much stock do I put into<br />

looks, attitude, and family? Etc.” You may confront road<br />

blocks along the way, and you will likely need to seek<br />

guidance from another person.<br />

Choosing a rabbi is essential. A rabbi is available<br />

to help answer any questions as you prepare to begin the<br />

dating process. It is important for you to consult with<br />

your rabbi to help you decide if you are ready. This is<br />

more common with a man because he is either in yeshiva<br />

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or in a learning program and is close with a rabbi. A rabbi<br />

will also answer questions along the way, including<br />

halachic questions, for example, are there issues<br />

regarding yichud if a date ends at 10 pm? You may also<br />

need guidance as to issues on which you may<br />

compromise versus those that are non-negotiable. A<br />

rabbi provides spiritual guidance, and it is imperative<br />

that you rely on one during this process. Women<br />

however, may have a seminary teacher that they may<br />

use as a Rabbi in regards to seeking guidance, and such a<br />

person should be part of your support system.<br />

Having your parents support you during the<br />

dating process is crucial. They know you best and provide<br />

guidance as well as constant love and support. Having<br />

parents in your support group will help you answer<br />

certain questions, such as, “Is this the right person for<br />

me?” “How will she fit into my family?”<br />

In addition, married friends are important to<br />

include in your support group. They can speak to you<br />

about their dating experiences and tell you what you<br />

really need to hear from a friend. They have gone<br />

through the system and can answer certain philosophical<br />

and on the ground questions that you may have. Your<br />

married friends are also proof that the dating process can<br />

be successful and that you will find someone to marry.<br />

You may run into obstacles along the way and may want<br />

to give up, but your friends will show you that the value<br />

of the system.<br />

Lastly, you need your closest friends, whether<br />

single or married. They are accessible for everything, for<br />

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late nights when you need to chat, if the person you are<br />

dating decides to end it and you need a shoulder to cry<br />

on. Your friends are the people who help you through<br />

every step of the way, and to just sit and chat with you<br />

about your dates and about everything else in life.<br />

Having this support system will help you manage<br />

the dating system – it is a must. Before you even start<br />

dating, make certain that you have a support system in<br />

place for you every step of the way.<br />

C. Taking Care of Yourself<br />

It is always important for you to take care of<br />

yourself both physically and mentally. It is a mitzvah in<br />

the Torah to make sure that you are healthy and that you<br />

make healthy life choices. See the Rambam in hilchos<br />

deios. V’nishmartem me’od l’nafshoseichim. These<br />

include exercising or being physically active, watching<br />

what you eat, not consuming an excess of alcohol, and<br />

much more. Your body and your appearance has to be<br />

very important to you, and your appearance will make a<br />

difference when you are dating.<br />

Everyone looks different from one another, and<br />

people are attracted to all different types of looks. When<br />

desiring to date, it is important to put forth effort to look<br />

your best. It is similar to a job interview; you put your<br />

best foot forward to impress your possible employer. So,<br />

too, when it comes to dating, you should put your best<br />

foot forward.<br />

It is, of course, important to incorporate and<br />

maintain a healthy life style throughout your life. This<br />

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includes selecting healthy food choices and integrating<br />

an exercise/workout regimen into your daily routine.<br />

When you feel confident and good about yourself, you<br />

will present yourself to others in a more appealing and<br />

self-assured manner.<br />

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II.<br />

Finding Your Match<br />

A. Preparing a Resume<br />

It is extremely important to develop a resume or<br />

dating profile, whether you use it or not. Making a dating<br />

profile will help you more easily answer questions as to<br />

what you are looking for in your spouse. Oftentimes,<br />

there is a limited amount of time with a shadchan, and<br />

you, therefore, would want to be prepared to answer<br />

questions as quickly and well as possible.<br />

Furthermore, a dating profile helps to expedite<br />

the dating process. If a shadchan asks for your resume,<br />

you are organized and ready to provide one. Your resume<br />

should be limited to one page and easy to read.<br />

Your dating resume/profile should include the following<br />

points:<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

Your name<br />

Your age<br />

Your contact information<br />

Your education<br />

Your job/profession<br />

An updated picture of yourself<br />

Information about your family (parents and<br />

siblings, their professions, etc.)<br />

Brief description about yourself<br />

Brief description about the type of person you<br />

are seeking<br />

References (friend, family friend, teacher/Rabbi)<br />

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Here is a sample resume:<br />

בסײד<br />

NAME<br />

Address • Email • Number<br />

Age:<br />

Height:<br />

Education:<br />

Touro College, New York, NY<br />

January 2013 – May 2014<br />

Darchei Binah Seminary, Jerusalem, Israel<br />

September 2011 – January 2013<br />

Hannah Sacks Bais Yaakov, Chicago, IL<br />

August 2007 – June 2011<br />

Parents:<br />

Father – General Contractor<br />

Mother – Nurse<br />

Siblings:<br />

Rachel 25 Married to…, living in Cincinnati, OH; Web Developer<br />

Ben 23 Accountant, Chicago, IL<br />

Shul Affiliation: Congregation Adas Yeshurin (Rabbi, Number)<br />

About Me:<br />

References:<br />

Rav<br />

Seminary/Yeshiva Teacher<br />

Friend<br />

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Before identifying a reference on your resume,<br />

make sure to contact him/her for permission. If you have<br />

not been in contact with this person for a little while, you<br />

may want to make him/her current regarding what you<br />

have been involved in, your aspirations, and how you<br />

would prefer he/she responds to certain questions. For<br />

example, you may desire to name a rabbi from yeshiva<br />

or seminary as a reference. Although you may have<br />

maintained a connection with him, he may be unaware<br />

of what you have been doing. You should, therefore, call<br />

him and ask him if he is willing to serve as a reference,<br />

and you should then bring him up-to-date about your<br />

current activities and future goals. Make sure to also<br />

always update you references in case anything has<br />

changed.<br />

Make sure when choosing your references that<br />

you choose someone who will relay over accurate and<br />

positive information about you. One may be compelled<br />

to put down their school principal as a reference just<br />

because the principal may know them best, but<br />

sometimes that is not the greatest choice. If you were<br />

someone who caused a lot of problems throughout<br />

school, your principal may not have such positive things<br />

to say about you. You always want positive and accurate<br />

things to be said about you so choose your references<br />

wisely.<br />

B. Networking<br />

After you have created your dating profile, you<br />

should make it known that you are interested in dating.<br />

There are various ways to look for a potential spouse.<br />

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The most common being to meet with a shadchan. A<br />

shadchan is someone who will review your resume,<br />

discuss plans, and assist in helping you find as spouse.<br />

Friends and community are another effective<br />

networking source. Let them know you are interested in<br />

dating, tell them the type of person you are seeking, and<br />

indicate your willingness to meet someone they may<br />

come across or hear about. There are times when they<br />

will know of someone from a different city or even one<br />

from your own city that a shadchan is not aware of. Do<br />

not be shy about letting people know your desire to date.<br />

When trying to find a spouse, you have to be<br />

proactive and call the shadchan often to ensure they<br />

remember you. A shadchan may oftentimes misplace<br />

your name in the mix of all of the other people who come<br />

to them. Contact your shadchan once every other week<br />

to remind them to look for you and to possibly alter any<br />

criteria you have previously mentioned. Sometimes<br />

email is the best mode of communication for a shadchan,<br />

and this way you do not overly annoy them.<br />

C. Going to a Shadchan<br />

When visiting a shadchan, it is important to be at<br />

your best. The way you present yourself with regard to<br />

appearance and comportment is what the shadchan will<br />

report to a potential date. Dress appropriately in dress<br />

clothing and behave respectfully. You want to present<br />

yourself as positively as possible.<br />

Be prepared to answer any questions about<br />

yourself. Shadchanim oftentimes have a very limited<br />

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amount of time with you and, therefore, require short,<br />

quick answers. Know what you are looking for and<br />

prepare to ‘sell’ yourself. Market yourself in the best way<br />

possible so you will be appealing to the shadchan as well<br />

as to anyone to whom they introduce you. Be positive<br />

about yourself, emphasizing your mast admirable<br />

qualities, but be certain to represent yourself honestly.<br />

Again, it is important to follow up with the<br />

shadchan on a regular basis. If the shadchan is located in<br />

the same city as you, you should contact him/her once<br />

every other week to remind them that you are still<br />

available. If the shadchan is from a different city, you<br />

should contact him/her at least once a week so that they<br />

remember you. A shadchan from your own city will see<br />

you in your community and, therefore, remember you<br />

and speak to you. An out-of-town shadchan may forget<br />

about you among the many other single men and women<br />

with whom they are working.<br />

Ask the Shadchan if they mind that you are going<br />

to other shadchanim as well. Do they have anyone they<br />

work with? Is there a network you should be aware of?<br />

Is there a specific Shadchan that you would do really well<br />

with and has set up people like you?<br />

D. Be Open-Minded<br />

If you want to find a spouse, you need to be<br />

open-minded and willing to be flexible. This does not<br />

mean that you must compromise on certain points, such<br />

as whether you want to live in Israel, have the boy learn<br />

in a Kollel, etc. Rather, desiring someone who plays a<br />

musical instrument or has a certain hair color are not<br />

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significant specifications; personality traits, general<br />

philosophical views, and religious beliefs and practices<br />

are much more fundamental.<br />

Each person has an image of his/her ideal mate.<br />

However, a person may be ideal even though he/she is<br />

not a perfect depiction of what you ‘always dreamed of.’<br />

Therefore, it is important to be open-minded to potential<br />

dates; you do not know who is perfect for you until you<br />

meet that person. So, to say ‘no’ to a date before you<br />

even give it a try will hinder your chances of finding your<br />

mate.<br />

Everyone has the right to two dates unless there<br />

are huge red flags during the first date. There may be<br />

something that you did not like about him or her, or you<br />

just did not feel fireworks after a first date. There might<br />

be a qualification that the person did not meet, but is it<br />

a qualification that you can do without? Speak to a Rabbi<br />

or friend. If there are fundamental commonalities and<br />

similar lifestyle desires, then it is important to try a<br />

second date. If you want to get married, you need to stop<br />

saying ‘no’ and start saying ‘yes’ -- give people a chance.<br />

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III.<br />

Preparing for a Date<br />

A. Clothing<br />

For a boy:<br />

On your first date, you should wear a suit to<br />

present yourself at your best. However, if you are very<br />

opposed to wearing a suit, then select other well-dressed<br />

clothing, such as a nice shirt or sweater and<br />

dress/business casual pants. Be sure your suit is dry<br />

cleaned and pressed, and without any stains. You do not<br />

need to wear a white shirt; however, you should wear a<br />

dress shirt that is ironed and clean. Make sure, too, that<br />

your shoes are clean and not torn. Practice personal<br />

hygiene before a date, such as showering,<br />

shaving/trimming your beard, brushing/combing your<br />

hair, and brushing your teeth. Remember: you want to<br />

make the best possible first impression. Do not go into a<br />

date right after work or right after seder. Before you<br />

leave, check yourself in a full body mirror to make sure<br />

you didn’t forget anything or didn’t notice something.<br />

On all other dates make sure to be in presentable<br />

clothing, continue a business casual trend. Remember to<br />

always make sure that your clothing is cleaned and<br />

ironed, and as well continue to practice personal<br />

hygiene. Also remember to dress for your date,<br />

meaning: if your date is horseback riding, do not wear a<br />

suit because that is not normal for horseback riding.<br />

Make sure to also let the girl know where the date is so<br />

she can dress appropriately.<br />

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For a girl:<br />

On a girl’s first date, you should be dressed at<br />

your best. It is always appropriate to have nicelymanicured<br />

nails, wear makeup, and style your hair.<br />

Consider your choice of clothing, with the understanding<br />

that the boy will most likely be wearing a suit or business<br />

casual clothing. Boys will notice the time and effort you<br />

expended regarding your appearance.<br />

On other dates, make sure you continue to look<br />

your best with regard to hair and makeup. You should<br />

feel beautiful on your dates, and you will then present<br />

yourself with confidence. Remember to also dress<br />

appropriately for your date locations. If you are going out<br />

for dinner, for example, it is natural to dress up a little<br />

more; if you are planning an outdoors date, then dress<br />

appropriately for the activity and weather. Your date<br />

should always tell you beforehand where you are going<br />

to ensure that you know the correct attire for the date.<br />

B. Doing Your Homework<br />

Before going on a date, make sure to learn about<br />

the person, such as hobbies, taste in books, etc. People<br />

are anxious about an awkward silence, which may not<br />

necessarily be bad, but may also be avoided if you learn<br />

about the person ahead of time so that you may more<br />

easily make conversation. For example, if you know her<br />

hobbies include gymnastics, you can research gymnastics<br />

and impress her with your knowledge on it. If you know<br />

that he is a huge St. Louis Cardinals fan, you can learn a<br />

little about baseball and the team.<br />

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The more you know about your date, the more<br />

impressed he/she will be with you. By expressing interest<br />

in their hobbies, you demonstrate good middos and that<br />

you want to listen and care.<br />

C. Where Should You Go?<br />

The custom in the more “yeshivish” world is to<br />

take your first date to a hotel lobby. It is a nice and quiet<br />

area where you can talk and discuss various things. There<br />

are a very small amount of distractions, and you can just<br />

focus on your date. After the first date, it is more<br />

common to go to various places that are quiet, such as a<br />

coffee shop, a café, a park, or other places that are quiet<br />

and peaceful. As the dating process progresses, you can<br />

start going on more fun and interactive dates, such as to<br />

an arcade or, mini golf, etc.<br />

In the “non-yeshivish” world, it is not customary<br />

to take your first date to a hotel lobby; however, it is still<br />

appropriate to go to a place that is quiet and conducive<br />

to conversation. A walk through the park is also<br />

acceptable. You want your first few dates to be in a<br />

secluded and quite environment so that you can get to<br />

know one another. You do not want to be walking<br />

through a busy area, such as Times Square, where you<br />

cannot focus on your date. As the dates progress, you<br />

can go out to more public and busier areas.<br />

When planning where to take your date, be<br />

sensitive to her needs. Do not force your date to go bike<br />

riding or ice skating without asking her beforehand if she<br />

would feel comfortable with it. Once your dates start to<br />

become the “not so classic” dates of going to a place to<br />

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sit, you should consult with the girl to be mindful of her<br />

likes and comfort level.<br />

Make sure you understand what is kosher to get<br />

and what is not kosher at the various coffee shops/hotel<br />

lobbies – will you drink out of their cups? Can you get a<br />

Frappuccino at Starbucks? Does she hold the same way?<br />

Additionally, never get an alcoholic drink on one of the<br />

first dates, even if it’s just a beer. It is inappropriate and<br />

will not be received well.<br />

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IV.<br />

Going on Your Date<br />

A. Traveling<br />

In a situation of an “out-of-town” girl going out<br />

with an “in-town” boy, the girl should prepare to travel<br />

to his city. Of course, there are always exceptions, but<br />

this is usual practice if you are dating a boy from the east<br />

coast. There are several reasons for this practice. For<br />

instance, if a boy lives in New York, he has a large<br />

community of girls from which to choose; so he would<br />

not necessarily desire or feel the need to travel to meet<br />

a girl from another city, rent a car and drive in an<br />

unfamiliar location, and miss a few days of work to travel.<br />

Generally speaking, a girl does not need to travel<br />

for every date, but she most likely will need to do so at<br />

least for the first visit and possibly the second visit. After<br />

that, a compromise should be reached where the boy<br />

should travel as well.<br />

In a situation where the girl is living on the east<br />

coast and the boy is from out-of-town, the girl does not<br />

need to travel to meet him, for the same reasons as<br />

above.<br />

When the boy and girl reside in nearby cities,<br />

such as Chicago and Detroit or Cleveland and Cincinnati,<br />

the boy should always travel for the date. It is more<br />

gentleman-like for the boy to travel to the girl’s city.<br />

B. Transportation<br />

When a boy picks up the girl for a date, he should<br />

make sure to have his car washed and cleaned. If the boy<br />

does not own a car or if the car is in poor condition, then<br />

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he should borrow or rent a car. One should always park<br />

the car and come to her front door, unless it was stated<br />

otherwise that she will meet you outside. If you are<br />

coming to the front door and meeting the parents,<br />

prepare yourself for that meeting by finding out a few<br />

obvious things: what kind of people are they? What do<br />

they do for a living? Etc. Are they going to quiz you on<br />

the parsha? What are they expecting?<br />

With regard to the girl who is being picked up for<br />

the date, she should be very cognizant of being on time<br />

so that the boy does not have to wait for her. If the boy<br />

is coming to your front door, one should empty the<br />

driveway in order that the boy can park his car in the<br />

driveway to avoid having him circle around the block<br />

numerous times looking for a parking spot.<br />

C. Conversation<br />

On the first date, it is not appropriate to discuss<br />

potentially contentious or deep topics, including<br />

hashkafa, where to live, and so forth. The first date is to<br />

determine compatibility. It is important to make sure<br />

that your hashkafos are well-matched, but it is not a<br />

topic that should be strongly questioned during a first<br />

date.<br />

As discussed previously, do your homework<br />

before a date so that you better understand the person’s<br />

likes/dislikes, hobbies, etc. You should know certain<br />

sensitive material so that you do not offend the person<br />

on your date. For example, do not make a joke about<br />

divorced people if they have divorced parents<br />

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If you go on a date at a coffee shop or a hotel<br />

lobby, you may consider bringing things to make the date<br />

more fun. For example, bring a game with you or play<br />

cards. You can learn a lot about someone when playing a<br />

game with him/her. This also lightens the mood and does<br />

not require you to just sit and talk the entire time. It also<br />

helps you determine whether you can have fun with the<br />

person, which is extremely important.<br />

Speak about current events and other<br />

controversial topics. These are usually sensitive subjects,<br />

so it is good to see if you agree or disagree on certain<br />

matters, and whether he/she is respectful of your points<br />

of view.<br />

Speak about any issues that come up along the<br />

way. The most important aspect to a relationship and<br />

marriage is communication; so, if you feel strongly about<br />

something, you must discuss it with your partner. If<br />

he/she does something that is annoying or bothers you,<br />

you need to raise the issue in a respectful manner and try<br />

to work it out. People aren’t going to change once you<br />

get married. If you for example really wish your husband<br />

will go learn for an hour every night and currently he is<br />

not, just because you get married and you can start to<br />

push him more does not mean that he will go. Marriage<br />

does not solve problems, so any small thing that bothers<br />

you that you cannot get over you must discuss during<br />

these dates.<br />

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D. Keeping Halacha<br />

During the dating process and the engagement<br />

process, it is vital to uphold the halachos of yichud,<br />

shomer negiah, and so forth. During these times, it<br />

usually becomes more difficult to maintain these<br />

halachos because your friendship deepens and the<br />

attraction between you builds. Make sure that on your<br />

dates, you are with people, in public areas, and not<br />

alone. Regarding shomer negiah, do not put yourself in a<br />

yichud situation. Do not be at each other’s house alone.<br />

Do not drive down abandoned streets late at night. Some<br />

people will also like to make boundaries, maybe not talk<br />

as often so you do not become too frivolous. One must<br />

set up boundaries in order to avoid any form of breaking<br />

halacha during this time. Speak to your Rav if you have<br />

any questions or concerns to make sure that you do not<br />

break any halachos.<br />

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V. Deciding He/She is The One<br />

A. Speak to People<br />

Of course the decision whether you want to<br />

marry a person should always be yours and no one else’s.<br />

However, oftentimes it is appropriate and helpful to<br />

speak to your friends and family. They do not make the<br />

decision for you, but if there are certain things that<br />

bother you, then they may help guide you to a decision.<br />

Marriage is a major commitment, so consult with your<br />

family and friends to help you determine if the person is<br />

the right choice.<br />

B. Compromising<br />

One of the most important principles in a<br />

marriage is learning how to compromise. It is also likely<br />

the most difficult elements to accomplish. A boy comes<br />

from one family and brings his customs with him, while<br />

the girl comes from a different family and brings her<br />

traditions. Oftentimes, neither one wants to relinquish<br />

his/her practice. These may go beyond halachik areas<br />

and seem trivial; nevertheless, these customs must be<br />

discussed and compromises reached<br />

The most basic and fundamental element to<br />

compromising is communication. As long as you<br />

communicate with each other, you will be able to<br />

compromise. He or she will be better able to understand<br />

what is most important to the other person and what<br />

needs to be accomplished in order to make the situation<br />

most agreeable to each individual.<br />

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C. Most Important Part of Your<br />

Decision<br />

When deciding if he or she is the right person,<br />

ask yourself: “Do I have fun with him/her? Do I enjoy<br />

talking and spending time with this person? Do I look<br />

forward to being with him/her all day or all week?” These<br />

are important questions to consider, as they get at the<br />

crux of how you feel about the person and whether you<br />

desire to spend your life with him/her. As important as it<br />

is to meld philosophically and spiritually, it is just as<br />

critical to feel an attraction both physically and<br />

emotionally, having a strong connection and feeling that<br />

your life will not be complete without this person, that<br />

your day automatically becomes better when you see or<br />

talk to him/her.<br />

Looks are also extremely important. Although<br />

we should not consider this a fundamental issue, the<br />

reality is that you should marry someone who you are<br />

attracted to. Looks can always change but when going<br />

into marriage you need to be excited by his/her looks and<br />

have an attraction to him/her.<br />

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VI.<br />

Getting Engaged<br />

A. Making a Budget<br />

It is imperative that you make a budget for<br />

marriage. You and your ‘spouse-to-be’ should discuss<br />

openly plans and goals for employment, school, learning,<br />

etc. This discussion should take place before<br />

engagement to ensure that you have common goals and<br />

are both willing to compromise on plans, if necessary, for<br />

example, delaying school and working to earn a living to<br />

support you and your spouse while he/she continues to<br />

pursue a degree. The majority of arguments among<br />

married people revolve around income and money.<br />

Avoid them by discussing the matter. For a copy of a<br />

sample budget please see Chapter VII.<br />

B. The Bracelet<br />

It is customary for some to first buy the girl a<br />

bracelet when you become engaged. The price for the<br />

bracelet may vary from $450 – $900. This is not a<br />

requirement, rather merely a custom. Others may<br />

present this gift in the yichud room. There is no pressure<br />

to follow either of these practices; this should be a joint<br />

decision between you and your bride-to-be.<br />

C. The Ring<br />

The engagement ring, on average, should cost<br />

approximately 2 and one-half months’ salary. This is just<br />

a guideline, and, of course, the boy should determine<br />

what he can afford to pay. This two and one-half months’<br />

salary rule only really applies to someone who has been<br />

working for some time, not to someone who recently just<br />

began employment. Nevertheless, a person may expect<br />

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to spend anywhere between $2,000 – $5,000 on the ring.<br />

Make sure not to overspend on the ring, and to only<br />

spend what you can afford.<br />

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VII.<br />

Budget<br />

Below is a sample budget, based on average<br />

expenses a month. This budget was prepared by a<br />

financial planner. Please understand that this budget<br />

is just intended as a guideline and may vary by<br />

individual—it is not intended to be a standard<br />

document. Nevertheless, living expenses tend to<br />

hover around $3,000 per month. If you would like<br />

hard copies of this budget to complete yourself or<br />

the excel copy which updates as you fill it out, send<br />

an email to Daveed Hagage at<br />

dhagage@chicagoshidduch.org<br />

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Spending Plan:<br />

PROJECTED MONTHLY<br />

INCOME<br />

Income 1<br />

Extra income<br />

Total monthly income<br />

Income 1<br />

ACTUAL MONTHLY INCOME Extra income<br />

Total monthly income<br />

PROJECTED BALANCE<br />

(Projected income minus expenses)<br />

ACTUAL BALANCE<br />

(Actual income minus expenses)<br />

DIFFERENCE<br />

(Projected minus actual))<br />

HOUSING Projected Cost Actual Cost Difference Misc Projected Cost Actual Cost Difference<br />

Mortgage or rent $1,000 Video/DVD<br />

Phone (2 cells) $100 CDs<br />

Internet $45 Vacation $100<br />

Gas (incl.) $0 Gifts<br />

Electricity $100 Sporting events<br />

Water and sewer $0 Pesach $50<br />

Waste removal $0 Religious $20<br />

Maintenance or repairs $25 Other<br />

Supplies<br />

Other<br />

Other Subtotals $170<br />

Subtotals $1,270<br />

LOANS Projected Cost Actual Cost Difference<br />

TRANSPORTATION Projected Cost Actual Cost Difference Personal<br />

Vehicle payment (1 car) $200 Student<br />

Credit card<br />

Insurance $100 Credit card<br />

Licensing $15 Credit card<br />

Fuel $100 Other<br />

Maintenance $30 Subtotals $0<br />

Other<br />

Subtotals $445 TAXES Projected Cost Actual Cost Difference<br />

Federal $266<br />

INSURANCE Projected Cost Actual Cost Difference State $86<br />

Home $20 Other<br />

Health $200 FICA $0<br />

Life $25 Subtotals $351<br />

Other<br />

Subtotals $245 SAVINGS/INVESTMENTS Projected Cost Actual Cost Difference<br />

Retirement account<br />

FOOD Projected Cost Actual Cost Difference Investment account<br />

Groceries $450 Other<br />

Dining out $75 Subtotals<br />

Other<br />

Subtotals $525 GIFTS AND DONATIONS Projected Cost Actual Cost Difference<br />

Charity 1 $152<br />

Children Projected Cost Actual Cost Difference Charity 2<br />

Tuition- Day Care Charity 3<br />

Babysitting Subtotals $152<br />

Camp<br />

Toys Projected Cost Actual Cost Difference<br />

Other<br />

Subtotals<br />

PERSONAL CARE Projected Cost Actual Cost Difference<br />

Medical (For deduct) $50 Subtotals<br />

Hair/nails $20<br />

Clothing $100<br />

Dry cleaning $25<br />

TOTAL PROJECTED COST $3,504<br />

Health club<br />

Subtotals $345<br />

Household Goods $75<br />

Organization dues or fees $75<br />

TOTAL ACTUAL COST<br />

TOTAL DIFFERENCE ($3,504)<br />

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VIII. Resources<br />

Visit our website chicagoshidduch.org for more<br />

information and resources to anything shidduch<br />

related. We have and array of information, from<br />

places to go, as well as any assistance.<br />

The Chicago Shidduch Initiative has a contact<br />

the shadchan button, which helps people “get<br />

on the map”. We implore you to use this<br />

feature so the shadchanim in our city will know<br />

who you are.<br />

For any other information or comments contact<br />

us through our site or send an email to<br />

info@chicagoshidduch.org<br />

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