It’s becoming increasingly common for couples to request cash, not gifts, for their wedding present.

But many guests feel a bit squeamish about handing over cash and many worry that it’s just going to be spent frivolously.

In 1996, the US Federal Housing Administration encourage lenders to offer bridal registry accounts where couples could stash away cash from family and friends towards a loan for their first home.

SunTrust Mortgage, a subsidiary of SunTrust Bank was one lender which created a wedding registry, where guests would make a deposit and the company would notify the bride and groom to let them know. It is such a practical way to help them get a loan together, that it’s surprising that more banks haven’t got in on the act.

A credit union in Los Angeles, Water and Power Community Credit Union (WPCCU) has just launched the MatriMoney wedding registry savings account to help couples get over the (deposit) threshold. They get gift instruction cards to include with their wedding invitations and gift-givers receive acknowledgement cards of their cash gifts once deposited.

Unlike any other wedding gift registry, WPCCU also offers free online financial webinars for newly engaged couples to learn how to budget and manage their money.

I think this could particularly appeal to couples where at least one of them is a security-conscious, long-term planner Taurus, Cancer, Virgo or Capricorn!

Some Sun signs luvrrve Valentines Day and all its romantic trappings (guess who?!) while others loathe it. How does your partner react to Valentines Day?

If they’re a typical:

Aries - they could be all hot and heavy, keen and ardent (especially if you have other suitors after you) or frankly selfish and ignore the whole day if you’ve been together for years. They tend to do things in a rush so they might pick up a bunch of flowers and a box of Cadbury Roses from the service station at the last minute.

Taurus - they tend to like doing the same things, over and over and over. If you received roses last year, it’s a pretty good bet you’ll get ‘em this year too. Got a favourite restaurant?  You could well be there too on the day. Most Taureans like floral fragrances, on the sweet side, such as magnolia. Anything that affects their five senses is off to a good start.

Gemini - they love surprises and novelty. They may start the day off with a cute text message or love note on your pillow. They can write fantastic love letters when they’re in the mood. These are the ones who may surprise you with one of those personalised novels with both of you starring in it. Then again these are the guys who will make light of your 50-year marriage with a joke card.

Cancer - male Cancers feel put-upon and obligated to “do” Valentines Day, grumbling it’s all a commercial exercise. Female Cancers are devastated if their mate forgets or organises nothing and will hold a grudge for the following week. No money? Cook ‘em a wonderful meal at home.

Leo - I hope you have some money if you’re with a Leo! Only the best will do, thanks. Valentines Day is your chance (along with their birthday, anniversary, Christmas.. you get the idea) to prove how much you worship (sorry, LOVE) them. While Valentines Day falls on a Sunday this year, they are especially happy if their colleagues go green with envy as a courier delivers a glorious package/hamper etc to them at work.

Virgo - you can probably save your money if you’re with a Virgo as they’re most likely to see it as corny, demeaning and a waste of money. That said though, if you do a load of washing, the dishes, some vacuuming and the bathroom that will put them in the mood for a bit of loving’ and squeezin’ faster than any box of candy will.

Libra - pull out all the stops, guys. I know Valentines Days falls during Sun in Aquarius, but really, this is Libra’s day! Whether you’re giving them chocolates, flowers, jewellery, lingerie, perfume, personalised romantic gifts, a restaurant dinner, weekend away or all of the above, don’t stint - and don’t ignore them.

Scorpio - the types of gifts Scorpios like to receive aren’t the ones I can publish here… Do nothing however and watch out!

Sagittarius - they love chocolate, laugh at lingerie and tend to lose jewellery, so if you can wing it, give them a weekend away where you can explore something. Both sexes see themselves as adventurers so try something new.

Capricorns - female Capricorns are curiously sensitive to time passing and often put arbitrary deadlines on things ie Christmas - met the parents. New Year’s - decided to move in. Valentines Day - proposal??? This is a good time to let them know where they stand. Married Capricorns like to discuss plans for the future too. Oh, and a little bauble from Tiffany’s doesn’t hurt.

Aquarius - again, this is another bunch who find the concept icky. They’re most likely to arrange a casual BBQ with friends, taking particular care to invite those who are single so no-one feels left out. If you arrange anything, make it novel and unique.

Pisces - these guys are romantics on par with Librans. If you make no effort only to discover they’ve arranged some magical day for you, they will be crushed. Their ability to express their deepest feelings for you is touching - and memorable. While I wouldn’t normally recommend giving pets as gifts, these are the ones who would go ga-ga over a new puppy, kitten, hamster or school of goldfish. They keep all their cards and gifts from exes so ask them casually what their favourite gift was as it will give you a clue.

Those of you who are single on 14 February 2010 might be on your Pat Malone for a while longer, while those in newish relationships could have second thoughts, and married couples could just have to grin and bear it.

Saturn (the Grumpy Grandad of the zodiac) goes retrograde in Libra (the sign of relationships) on 15 January and will go further retrograde backwards into Virgo on 8 April. He doesn’t go direct in Virgo until 30 May and it will take him until 22 July to re-enter Libra. Added to this, Mars (the Action Man) is in Leo (the sign of love and romance). He too is retrograde (and has been since 20 December 2009) and won’t go direct until 11 March.

Since the planets of commitment AND courage - both necessary for a relationship! - are retrograde over Valentines Day I don’t think there will be too many proposals happening. Couples may instead be taking time out to think about where their relationship is headed and to confirm if they both have the same future in mind. Couples who marry or go on honeymoon during this time may have much to consider.

 While it isn’t the stuff of crazy let’s-get-married-in-Vegas tomorrow type moments a la Britney Spears, it IS a great time to reflect and to understand each other.

People love receiving personalised gifts as it makes them feel special and cherished.

But unless you have a rough idea of what the item’s going to look like, you can worry that you’ve got the spelling right, ticked the right colour or even the correct size.

There are quite a few websites now which provide real-time personalisation so that you can see a mock-up of what your completed gift would look like. Here’s some of my favourites:

American Medical ID - great for family members who may have a serious condition, you can “engrave” in real-time a necklace or bracelet from 14kt, 10kt, sterling silver or stainless steel, and it has engraving samples and tips so you know what to add. If your mum or grandmother is a Cancer, this might stop them worrying.

Just for fun, create a magazine cover with their photo, the theme (ie wedding, anniversary, new baby) and magazine-style headlines ie “6 Things You Never Knew About Samantha and John” or whatever. Perfect for Aries and Leos.

If you really know their favourite colours for their lips, eyes, nails and blush, you can custom-blend cosmetics for them, even including the colour intensity and exras like shimmering glitter for nail polish. Even better, you can send in your old, discontinued favourite lipstick or nail polish etc and get them to colour-match it for you! A lovely gift idea for Taureans and Librans.

One of the most imaginative customised gift websites I’ve ever seen is Shapeways which lets you create 3D printing of your designs. You could have the words of a favourite poem, for example, laser-cut into a candle-holder or into cool napkin rings which would have to be one of the most amazing Valentines Day, anniversary or wedding gifts ever!

Hardcover photo books are not really that new now but Pixable lets you select your photos from Facebook, Flickr or your computer, upload AND receive them within 3 days! Great for Geminis.

For the aviation buff who has nearly everything, you can order a customised airline cart (yes, the trolleys that the hosties roll down the aircraft aisle) from Alcarts in one of 10 colours. Ideal for those with their own plane(!), this storage item is also an original conversation piece as you serve food and beverages in your office, garage, patio, shop or kitchen. I can see this appealing to Aquarians and Sagittarians!

Everyone loves their own name! A cute gift for a new baby or perhaps a housewarming gift is letter art photography by Alphabet Photography. Each “letter” is a photo of an everyday object (such as a door handle) that resembles the letter of the alphabet. A sweet gift for a Pisces as is this one from GrowShow which lets you upload photos in chronological order so you can see the development of your child over time. It also has interlocking photo frames so you can add to them as your child gets older.

Love to theme a party all the way through? Now you can personalise your disposable party plates with photos, text and colour for anniversaries, birthdays, Halloween, with a fun service from Hallmark. I see this being particularly popular for children’s parties!

Candles are always popular with women and now you can customise them with Lumnique, packaged in a nice rectangular glass jar. Select the intention ie peace, love etc, the colour and from 72 fragrances, ranging from the traditional, such as rose, to the frankly unusual, such as Hansel and Gretel (which I’m guessing must smell like gingerbread)!

If you’re looking for a gift with a difference for your favourite health freak, look no further. Now you can customise your own energy bars (chewy, oaty, cripsy), add fruits, nuts and sweets (ranging from chocolate chips to maple syrup), and even fibre or other nutrients, all the while seeing the nutritional panel adjust in real time for sugar, fat, carbohydrate etc. And to cap it off, you can even have your name on the packaging - how cool is that?! I’m going to order some from Element Bars for my Virgo sister!

Most people are familiar with the Successories framed prints in gift shops full of inspirational photos and sayings. Now you can customise your own, using their gallery of images but adding your own message. I think a subversive-style message (ie a straight picture and a sarcastic message) could really amuse a Scorpio, and maybe some Capricorns…

I love the mobile phone covers by GelaSkins - they’re amazing! From manga cartoons to Botticelli’s Birth of Venus, you’re sure to find something amazing here. Most importantly, you can upload your own photos, message and designs to cover covers for your mobile, iPod, laptop, gaming device or Kindle which would impress even the hardest-to-please teen.

If you find clothes hard to fit and you’re forever getting items altered, you might like to check out the customised outfits at April Marin. They make a small range of pretty, tailor-made dresses, allowing you to customise the lengths and widths of everything important!

Does your favourite friend or family member post particularly witty bon mots on Twitter? Did you know that Tweetbookz now lets you create high-quality books containing Tweets from any Twitter account? It might be a lovely gift for a small business owner! 

And last, but certainly not least, I was entranced by Princess Chic which enables you to build your own pair of shoes! From classic stilettos and platform pumps to ballet flats and high-heeled sandals, you can select your material from leather, satin, suede, snake, croc or fish skins, from 17 colours and sizes from 5-11.

According to the wedding gurus at GetMarried, the US holiday season between Thanksgiving (the last Thursday in November) through to Valentines Day is the most popular season for engagements with approximately 35-40% (or 550,00-650,000 couples) getting married in the 12-18 months afterwards.

Here are their top 10 bridal trend predictions for 2010. Some of them are frankly, a little weird, but there are a few others which could be added to a novel gift registry, especially if you need help with wedding expenses.

1. Non-linear wedding aisle.
Well marriage is hardly linear, more of a game of Twister and Monopoly with a Get Out Of Jail Free card so maybe that’s the idea? Or is it to be photographed on your best angle? I truly doubt this one will take off… If it does, a Gemini, Scorpio or Aquarius would be the most likely candiate.

2. Comfort foods
When the economy tanks, everyone wants to go back to basics which is great news for your wallet (although maybe not your waistline). Why not consider adding your catering bill to your gift registry, ask Uncle Tim to share some of his dusty bottles in the cellar or have your aunt make the cupcakes. And everyone really does love chicken. Comfort foods are nirvana to Taureans and Cancerians.

3.  Gifting techie gadgetry
Technology is a tricky one because it becomes obsolete so quickly, making your friends and family waste their money on something you can’t keep. Whatever PDA, iPhone or other techie gadget you get in 2010 is unlikely to be any use in say 2015.  However, for the retro girl/guy marrying that iPod addict, why not consider buying software that convert records to a digital file? One for the Aquarians.

4. Texture-inspired invitations
Embossed, die-cut and engraved invitations are the go for 2010 as they’re supposed to mimic your wedding decor. Unfortunately the bride will be the only one who notices the seamless theming. Yes, you could ask for someone to pay for your invites as their gift to you but um, don’t. This trend could suit the Virgos.

5. Cobalt blue
This colour is set to be the hottest colour for brides in 2010. And in about oh, 10 years or so when everyone looks at your bridesmaids in this electrically charged 80s colour (I was very fond of it myself then), they will laugh. What about keeping it to gifts like vases, table linen, candlesticks, picnicware, or cushion covers? I see this one suiting fun-loving Sagittarius.

6. Wear-again bridesmaid dresses
I like this trend. Whether you or your bridesmaids are paying for their dresses, it’s nice to think the frocks will get some wear again, like regifting…Pisces are super-sentimental and will appreciate this one.

7. Three-dimensional save-the-dates
Here’s they’re talking about items like paper umbrellas to signify a destination wedding. This is where you might want to add honeymoon excursions and attractions to your gift registry. Or even a B&B gift certificate for when you get home and feel a bit anti-climactic. Sagittarius again.

8. Old Hollywood glam for men
Think Cary Grant - even George Clooney. If your man doesn’t have a good pair of shoes, why not put that in your wedding gift registry. He will have them for years! This will thrill the Librans and Leos.

9. Blogger brides
Blogging about your wedding planning is becoming surprisingly common. If you’re a techie yourself, maybe you could give her free hosting, cool apps or a hand at programming as your wedding gift? If they can make their blog into a money-making exercise, this trend might suit Capricorn while Gemini might try it just for fun.

10. Personalised everything
Last, but definitely not least, brides want a wedding which is completely customised for them, from personalised invitations, monogrammed guest books, and made-to-order favours to gifts which are all about the couple.  Some of these things are fun but just add to the cost of your wedding. In addition to the array of personalised homewares and books you could ask for, I think a personalised set of cards and envelopes embossed with your names and address would be a nice addition to your gift registry. And you just know your aunt would buy it as that would give you the stationery on which to write your thank you cards! This trend will suit Aries, Leo and Libra (who likes everything matching).

Once you’ve chalked up nearly two years of marriage, you graduate from the first paper wedding anniversary gifts and onto the potentially more expensive cotton gifts.

The common thread (ahem) for cotton gifts seems to be mainly homewares or clothing-related items, but you can still have some fun with them!

The ones that caught my eye were the customised queen-size duvet cover (Aries lurrrve personalised gifts) that you can personalise with your own photo (or from the photo gallery) from Vision Bedding or if your partner hogs the bed, you can draw the line who sleeps where - literally with Bedhog.com’s His and Hers sheet sheet (Geminis love a good gag gift) or if you’re after a “classier” cotton-themed present, give them a monogrammed cotton throw from The Golden Ribbon (ideal for your Capricorn or Taurus).

If you happen to be buying a second wedding anniversary gift for say, your best friend and don’t want it to be about their bedlinen, some nice thirsty towels would do the trick!

Have your favourite photo printed on cotton canvas (Leos will be delighted) or what about getting him a custom-made cotton business shirt (great for Virgos) or a fun t-shirt about your second wedding anniversary (Aquarians aren’t that mushy). Or snuggle up together in a comfortable cotton hammock (ideal for dreamy Pisces or sexy Scorpios) after he’s fired up the BBQ (especially if he’s a Sagittarius)…

And what girl doesn’t love a pretty broderie anglaise cami! (Cancers and Librans adore them.)

Ah, you gotta make these guys feel special! They’re much too polite to say so (actually, they’re usually just much too polite for their own good), but they die a little inside if you don’t make them feel loved and adored!

And please don’t forget their birthday either as they’re always thinking about how to make other people feel happy, so it’s time for them to have the favour returned. Librans (and Leos, Cancer and Pisces too actually) are devastated if you overlook their Big Day. Think about signing up with a free online birthday reminder service and make sure you tick the 30-, 14- or 7-day prior reminders, too.

Libra is ruled by Venus which rules love, beauty, art, and general gorgeousness. Imagine a charming and well-mannered beauty queen and you’re getting close! Think about the type of upkeep it takes to be a beauty queen, that might give you some clues, too. Facial? Mani/pedi? Perma-tan?

Since Libra rules relationships and marriage, you can’t go wrong with something that relates to them being a couple - and even more so on improving it if they have any planets in next-door neighbour Virgo). Single Libran girls like relationship self-help books like The Rules, He’s Just Not That Into You (actually, they know who likes them, they just need help navigating the seas of singledom, especially when someone is treating them badly), Men Are From Mars (I think John Gray must be onto his tenth type in the series - Mars and Venus on a Date was the last variant I remember). Libran men pretend they don’t like those kind of books - then again, they’re the ones swiping your copy of InStyle. Which is another gift suggestion, actually.

Perhaps you could shout your favourite Libra, a classy speed-date event, an opening night at the theatre, art gallery, ritzy musical or dinner at a three-chef hat restaurant so they can dress up.

They lurrrve clothes, jewellery, shoes and accessories (and that’s just the men). Anything from a clothing store gift certificate to an open cheque to spend breakfast at Tiffany’s would be great. What about giving them a stylist to help them chujz up their wardrobe for summer?

Still no clue? Both sexes love flowers and are often a little overcome at the sight of a stunning bouquet heading their way. Can you get a courier to deliver something to them in person or at least to their desk so everyone else oohs and ahhs at what they’ve been given?

And don’t forget the greeting card to go with your expertly wrapped present (spend extra and get it done properly). I’m thinking a mushy Hallmark one with flowers on it - not one of those cheap jokey cartoon ones that tease people about their age. No, my dear, that really will Not Do.

This is one of the most novel things I’ve seen for a wedding registry so far!

Forget bedlinen and silver cutlery! An enterprising young American couple who are getting married in Stanford, California on Saturday 29 August have requested a fantastic list of ultra-useful wedding gifts to help them establish their own start-up website business, Aboomba.

You can feed an outsourced engineer for the day (boy, they eat a lot at $US150!), provide 5 x large Starbucks Caffe Lattes daily ($US122.50), pay for an hour’s worth of accountancy advice, select Windows XP SP2 Home Edition OEM for the very specific price of $US95.64, help them rent their friend’s garage for a month ($US250) or pay their utility bills.

Brilliant! And these guys are getting married during Sun in Virgo - what an appropriate Sun sign to get married under for this practical, hardworking pair of entrepreneurs!

If your favourite Virgo is celebrating his or her birthday, I hope you’ve marked it in your diary/Outlook calendar, have left enough time to get their present there on time AND call them on the day. Well, they would do it for you! Most Virgos have an amazing memory and mentally file away everyone’s birthdays, anniversaries etc so they can deliver a gift on YOUR day. You might be surprised to know that they’re secretly wounded by people forgetting their birthday and quietly, desperately need you to prove that they’re special.

So, what to get them? One of the nicest things you can give them is a break from the housework that they tend to feel overwhelmed by. When too much is going on in their lives - and it has been thanks to Saturn in Virgo putting immense pressure on them since August 2007 not to mention Uranus in Pisces freaking them right out with undependable partners - they tend to clean, polish, sweep, vacuum, scrub, and wash etc to get some sense of order back. So as you might imagine, they have been cleaning up a storm for a couple of years…Give them a well-deserved break.

They also love a good de-cluttering. They have Pisces on the seventh house of relationships which can make them hate to throw things away that their loved ones have given them and have Sagittarius on the fourth house of home and family which suggests they live with complete grots (sorry, disorganised people). Call in the professional organisers - it will make them silly with happiness!

Saturn in your own sign is, shall we say, a little heavy-going on one’s self-esteem and attitudes towards one’s looks. Is it time for a professional stylist to freshen up their look with more flattering clothes, a haircut or better make-up choices? They just lurrve those makeover shows!

Pluto in Capricorn entered their solar fifth house of love and creativity in January 2009 and will be there until 2024. Pluto rules Scorpio so anything that promotes a bit of lovin’ and kissin’ - can you babysit the kids for the weekend? - is ideal. Virgos love step-by-step manuals and since there are all sorts of interesting how-to books to do with lovemaking, this could be a a naughty thrill!

Jupiter is in Aquarius is their sixth house of work and health until January 2010. Jupiter is what you find fun. Personally I’d like to steer away the emphasis from work for Virgo - it’s waaaay too easy for them to be workaholics - so please don’t give them leather-bound diaries or desk organisers - yuck! Springing for some new bookshelves for their home office - the Expedit ones from IKEA are very popular - might be OK, as might picking up a cute little handbag-sized laptop for them.

Or let’s consider the health side of things. Perhaps you could spring for a personal trainer, a new gym membership, some cute workout clothes, the Low GI Diet book, a delivery of fresh fruit and vegies, or at least a good, deep Swedish massage. The sixth house also rules pets. Have they been pressing their nose up against the puppies’ window at the local pet store or RSPCA? If a little doggie or kitty-kat could fit into their lifestyle, a pet could make a wonderful surprise gift.

Books are also pretty well-received. Since they love to know how things work and what makes people tick, why not check out the latest round of self-help/inspirational books?

I’ve banged on before about knowing where to save money when gift shopping (I prefer to buy my gift wrapping paper in bulk), but I think the best innovative, environmentally friendly gift wrap ideas have something in common with the gift or its category, and often, can even make up part of the gift itself.

Saving on having to pay for wrapping also particularly appeals to the earth signs (Taurus, Virgo, Capricorn) for financial reasons, the greenies (Aquarius) so they can save the earth, the more-inventive ones so they can show off what clever clogs they are (Gemini) and also, let’s face it, the plain old lazy lot who want to waste as little time gift wrapping as possible (Aries, Sagittarius).

For example, for a kitchen tea gift, wrap it in a teatowel, a tablecloth, a table runner or slide it inside an oven mitt.

For a baby gift, tie up your gifts inside a muslin swaddling cloth, an embroidered blanket or slip it inside a rolled-up romper suit.

Dealing with a fashion fan? Put their shirt/sweater/jewellery etc inside a glamour-brand shoebox, a hatbox, a Tiffany box (that’ll do their head in!) or wrap it inside a scarf.

For a car “nut”, why not slip their present into a rolled up windscreen shade or car seat cover.

Young kids actually often prefer the box to the gift itself but why not place whatever you’re giving them in a cute toy box or stacking cube?

Know a geek? Why not give them some new software, snugly presented in a sexy laptop sleeve.

Pet owners might be thrilled to see little toys for their Fido, nestled within a doggie doona.

Obviously there are many more ways you could present your gift than in traditional gift wrapping paper. What are some non-traditional gift wrapping ideas you’d suggest?