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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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