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Blog post
Planning a wedding is an exciting journey, but it often comes with financial questions that couples may not know how to answer. Setting a realistic budget, prioritizing costs, and understanding hidden fees are key to enjoying the big day without unnecessary stress. Here are some of the most common money-related questions couples ask when planning their weddings—and helpful answers to keep your planning on track.
One of the first steps in wedding planning is setting a realistic budget. Many couples wonder, “How much should we spend?” or “What can we afford?” To determine a budget, start with your savings, estimate any family contributions, and consider any specific savings goals. Remember to keep about 10-15% aside for unexpected expenses.
Traditionally, the bride’s family covered most expenses, but today’s weddings are more flexible. Some couples split costs themselves, while others receive contributions from both families. Decide what works best for you as a couple, whether it’s sharing costs equally or each paying for certain parts.
The venue typically takes up the largest portion of a wedding budget, often around 40-50%. To make the most of this expense, look at both traditional and non-traditional options. Outdoor locations or smaller venues can provide more flexibility and may be more budget-friendly.
With so many expenses involved, it’s easy to go over budget. Use a budgeting app or a wedding planning platform to organize expenses, track payments, and set alerts for due dates. Tools like Tandem can help you and your partner stay in sync with your finances throughout the planning process.
Unexpected costs can add up quickly, from last-minute vendor charges to extra tips or added decor. As a rule of thumb, set aside 10-15% of your total budget to cover these surprises. This safety cushion can help avoid financial stress as the big day approaches.
Wedding planners can be a worthwhile investment, especially if you have a busy schedule or are planning a larger event. Many planners have relationships with vendors that can help you get discounts, ultimately helping you save. If hiring a full planner isn’t feasible, consider a day-of coordinator to keep everything running smoothly.
Deciding on a videographer often depends on personal priorities and budget. Many couples find that videos provide an invaluable way to relive the day, while others prioritize photography. If a videographer doesn’t fit within your budget, consider capturing short clips on phones or asking a friend to help with casual footage.
The honeymoon is a meaningful part of the wedding experience, but couples often wonder how to balance this cost with wedding expenses. Set a separate honeymoon budget based on your travel plans and consider a “mini-moon” close to home if a larger trip isn’t feasible right away.
Wedding insurance may seem like an extra expense, but it can be beneficial for protecting your investment. From weather issues to vendor cancellations, insurance can help cover the costs of unexpected problems. For large weddings, it’s often worth the peace of mind.
Weddings often come with hidden costs that catch couples by surprise. These can include taxes, gratuities, overtime fees, and additional setup or breakdown costs. To avoid unexpected fees, ask vendors for an itemized list of costs upfront and clarify any extra charges in the contract.
Planning a wedding with finances in mind can help make the process smoother and keep your budget on track. By addressing these common money questions early, you can enjoy a wedding day that’s both beautiful and within your means.
