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How to Create a Wedding Budget

shopper marketingAfter the delight of your engagement has subsided, there is much to consider. When planning a wedding, the first thing you must deliberate is your budget. As unspectacular as this sounds having a clear financial plan is crucial and it is vital that you stick to it in order to avoid any unpleasant surprises. Sit down with your partner and parents if they are contributing and come to an agreement about what you are able to spend. Many consider a wedding loan to fund part or all of their special day, which you will find plenty of information online. Either way reach a final figure and stick to it.

Get your calendar out and have a range of dates in mind as the likelihood is the one date you have in mind won’t be available. Bear this in mind when considering your honeymoon location too, you don’t want to be honeymooning in hurricane season!

Once you have reached a decision write down the estimated cost in a budget planner. Listed below is a guide of items you will need to contemplate

  1. Venue
  2. Flowers
  3. Catering
  4. Photography
  5. Flowers
  6. Cake
  7. Entertainment
  8. Dress and veil
  9. Shoes
  10. Suits
  11. Bridesmaid dresses and shoes
  12. Wedding rings
  13. Beauty
  14. Honeymoon

Deliberate each of the above and work out what it is you want from your wedding. If you are desperate to have that one dress you always dreamed of or a certain band make sure you don’t blow all of your budget on the venue. Everyone’s priorities are different. Many want incredible flowers other couples will pick amazing food, once you have figured this out allocate your money to each of these and work out the areas in which you are able to save money.

Make sure that you account for the hidden costs. There are many areas of spending that most couples don’t consider and as a result this causes them to go over budget. Some of these are listed below:

  • Dress alterations
  • Marriage Licence
  • Postage for the invites
  • Bridesmaids and groomsmen gifts
  • Stag and Hen parties
  • Beauty treatments
  • Cake cutting / Corkage fees

Finally enjoy the moment! Take your time and get excited! Tell your friends and ask your bridesmaids that all important question. Love each other, being engaged means that you get to plan the wedding of your dreams with your best friend. Take the time to sit back and enjoy the romance of it all, you have found the person who wants everyone to know that you are theirs, and they are yours. Relish in this this before getting tied up in the logistics of it all.

Ceri Harris is an underwriter at Willows Finance a secured loans company based in Wales.

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1 Comment

  • If a portion of what was spent on the wedding and reception was put towards pre-marital counseling, it would be money better spent. I had a college professor who had counseled married couples for 30 some years. She told us, more than once, that if these couples had really talked before their vows, or had gotten counseling before they started preparing for the wedding, they would have been better off.
    Wedding and receptions and all of the parties that now are expected, have become an industry of their own. To spend what could be at least a partial if not a complete down on a house for a wedding is fodder for unnecessary debt down the road.

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