Skip to main content

How To Not Overspend When Planning Your Wedding

5 minute read

Rebecca Henderson

By Rebecca Henderson

There are many things we associate with weddings, but debt doesn’t have to be one of them. Instead, there are ways you can approach your big day with a budget in mind—and yes, you can still manage to make it a day to remember.

Listed below are 10 ways you can rein in your wedding spending. After all, the more you can save on this very special day, the better your finances will be starting your new life together. Remember, it really is just one day.

First Comes Love, Then Comes A Budget

Like any large purchase, establishing what you can afford first separates the rookies from the professionals. Whether it’s house-hunting, purchasing a car, or planning your wedding, knowing your limits sets the tone.

There are plenty of budgeting apps out there, including ones for your wedding. Whether you choose one of these applications or break out pen, paper, and a calculator, working together on a budget will put you both at ease. Just remember to break down your overall cost into categories, from venue and decorations to invitations and thank-you cards.

This is Your Wedding—Not Social Media’s

Getting lost in your beloved’s eyes is one thing, but drowning yourself in pages and pages of Pinterest weddings is another. Put the phone down, shut the laptop, and ignore social media when it comes to your special day. We know you’ve watched the celebrity weddings, drooled over the extravagant settings, and maybe even envied the to-be-weds, but it’s not worth it.

Your wedding day is about you and your spouse. Tap into your personal social network and leave it to the paparazzi to worry about what goes on in Hollywood.

 Network, Call in Favors, and Go Local

Speaking of your personal network—use it. Take advantage of the acquaintances you’ve made. If your mother-in-law’s hairdresser’s nephew runs a deli, see if he can cater. And if Aunt Nancy knows how to make killer place settings and decorations, by all means, give that woman a gift card to JOANN, Michaels, or Hobby Lobby.

Another way to cut costs is to take a chance on local small businesses. Do your research, of course, but give the little guys a chance, too. After all, it is free advertising for them if they do accept your contract—which you should read carefully.

Think Beyond Just 24 Hours

Your wedding day is 24 hours. Your marriage lasts much longer. Think of your long-term goals as a newlywed couple. If you want a honeymoon, find a place in the budget for that as well. Otherwise, you could save up for a one-year anniversary trip. Maybe you want to pool your savings and buy a house a few years down the road. It’s not a crime to splurge a bit on your wedding day, but keep the overall picture in mind, too.

Get Creative With Phrasing

As in any business deal, it’s all in how you present yourself. Rather than announcing to the whole world that you’re getting married, tell venues, caterers, florists, and the rest that you’re having a “large family gathering” or a “family get-together.” Mentioning the word “wedding” could cost you—literally.

Think of it this way. You’re a bakery shop and you sell cakes for all kinds of celebrations. Heck, it could be anything from Sunday dinner to someone’s grandmother’s 95th birthday. But big events—like weddings—well, they call for grandeur. And a price to match. After all, this is the day that (hopefully) only happens once. But if you don’t know that 4-tiered cake will be the first bite of food the newlyweds consume as a married couple, then how can you justify an upcharge? It’s all in the wording.

Embrace Package Deals

The term “one-stop shop” can be a God-send when it comes to weddings. Don’t be afraid to look into package deals. You may end up saving money and time. If the venue you’re looking into offers catering and clean-up afterwards, consider that killing three birds with one stone. Just keep your budget and your expectations in mind.

Take Advantage of the Off-Season

Hunting, sports, holidays, and weddings: what do they all have in common?


But though the main wedding season falls in the summer months, there’s nothing saying you can’t exchange vows during any other time of the year. In fact, choosing an off-season date might just save you hundreds on venue bookings, decorations, music, etc.

Signature Dishes Trump Variety

Too many couples take pleasing their guests to a higher level than necessary when planning their weddings. Offering a buffet while compromising your budget isn’t the answer. Instead, focus on a handful of options. These dishes should reflect your tastes while still keeping your guest list in mind.

If you plan on having children attend your wedding, consider simpler options. You may even be able to convince your caterer to give you a discount on these meals since they are far less intricate. Other options include eating family-style or much sooner in the day, such as brunch or lunch.

Hand-picking menu items extends to the alcohol offerings as well. You could choose to go with a limited variety of spirits or create signature cocktails to choose from. You don’t really need a fully stocked bar. Again, personalization and meaning can be as much of a factor as you like.

Hiring a Professional is Not a Cop-Out

The saying goes, “If you want something done right, you have to do it yourself.” But when it comes to weddings, that’s not always the case. In fact, hiring a wedding planner might be just the thing the two of you need to de-stress and focus on what matters most — your relationship.

When it comes down to it, these professionals have been there and done that. They know the dos and don’ts, which strings to pull, and when to redirect you if the situation calls for it. Be up-front about your budget and your expectations. And if you prefer to handle a certain part of the ceremony yourself, reserve that right from the get-go.

Keep Your Friends Close and Officiant Closer

A wedding is nothing if not official. But that doesn’t mean you need to hire the best of the best. In fact, the wedding planners at Martha Stewart advise ordaining a person of your choosing to officiate the wedding. Both the Universal Life Church and the Esoteric Interfaith Church offer such services. But make sure you check with local officials to verify the validity of this method. The last thing you need on your wedding day is to find out it’s not officially recognized.

Life’s New Journey

All wedding cliché’s aside, there’s much more to your special day than just spending money. Don’t waste time stressing over the bottom line. Focus instead on what your values are, what experiences you and your partner share, and what memories you want to make. How you handle this day will set the tone for the way you approach all the other challenges life has in store.

Wedding Cake Topper on MoneyShutterstock
Rebecca Henderson

Freelance Writer

Rebecca Henderson has a Master's in German and a Bachelor's in Creative Writing. She alternates her time between writing and working on a variety of motorized projects. Most recently, she and her boyfriend have been building a custom drift trike. Rebecca believes that language, love, and a life worth living are only the first ingredients to happiness.


Frugal Living: It’s A State of Mind (Not Just What You Buy) Budgeting

Frugal Living: It’s A State of Mind (Not Just What You Buy)

Being frugal isn’t so much about what you buy. Really, it’s more of a state of mind. A different way of living. Too often, we get caught up in penny pinching in a way that isn’t healthy for our finances – or our sanity. If you’ve been trying (and failing) to get your budget balanced […]

Read More about Frugal Living: It’s A State of Mind (Not Just What You Buy)

8 minute read

Why Your Budget Keeps Failing (And How To Fix It) Young couple worrying about bills and budgeting Budgeting

Why Your Budget Keeps Failing (And How To Fix It)

We all know that one of the cornerstones of financial success is getting the details right. Even with good intentions and managing the general money basics like we should, the reality is that we can still fail, financially speaking. One of the main reasons is simply human psychology, when our brains convince us to defy […]

Read More about Why Your Budget Keeps Failing (And How To Fix It)

7 minute read

Stop Living Paycheck to Paycheck With These Helpful Tips paycheck arriving on payday Budgeting

Stop Living Paycheck to Paycheck With These Helpful Tips

Living paycheck to paycheck is not an unusual situation. Many Americans live in that reality every single day of their lives. Modern life is expensive. For most families, it’s easy for a string of bad luck to force their finances into the red. If you’re one of the many Americans who worry about paying their […]

Read More about Stop Living Paycheck to Paycheck With These Helpful Tips

8 minute read

Effective Ways To Practice Self-Care on a Budget Budgeting

Effective Ways To Practice Self-Care on a Budget

Self-care is defined by the World Health Organization as “the ability of individuals, families and communities to promote health with or without the support of a healthcare provider.” More broadly, self-care is described as an individual nurturing their spiritual, emotional, and physical health. It’s an important part of keeping your mental health in a healthy […]

Read More about Effective Ways To Practice Self-Care on a Budget

7 minute read

Important Financial Advice Every New Parent Should Follow Budgeting

Important Financial Advice Every New Parent Should Follow

Becoming a parent will totally change your life in so many ways. If there wasn’t enough enough for brand new parents to worry about, the financial decisions alone can be daunting. Making the transition from a couple to a family can have lasting repercussions on your budgets. Taking the time to put your financial ducks […]

Read More about Important Financial Advice Every New Parent Should Follow

9 minute read

See all in Budgeting