Weddings are stressful, but also a lot of fun. Money seems to be a stipulation to having what every little girl dreams of, but it doesn’t have to be that way.
I would like to start off saying that my circumstances are not everyone’s and this is certainly not the only or best way of budgeting a wedding. These are just things I picked up as I was going, mostly to do with the fact that I have never had much money and so have always had to be money-conscious. I have a little over 300 people coming to my wedding and the entire wedding did not cost more than $12,000. That may still be a lot to some, but I have an open bar and 300 guests. I am no expert, but I can tell people how I budgeted and made this work.
Have you ever seen those jokes about House Hunters where the couple have crazy jobs and a ridiculous budget? Something like, “Crystal is a stay at home mom with her cats and Joe trades worthless baseball cards. Their house budget is 30 million dollars”. Not only is that joke almost true, it can be applied to weddings. Weddings are an entire industry that stores bank off of in the most cruel of ways. Labels make the price tags and weddings have tons of labels.
My wedding is going to be huge, not in a super extravagant way, but in a I-have-too-many-relatives-and-cannot-weed-anyone-out way. My parents had a wedding of 500 people. Can you imagine 500 people showing up to something you have to pay out of pocket for?? This was the 90’s and my Mom was lucky enough to have an aunt who could make the dresses and also weddings were not as expensive then, thanks inflation. My wedding will be smaller, but only by about 200 people. I have a little over 300 people invited to my wedding. Crazy. I also just graduated college a year ago and could not find a full time job until February 2017. So, if you already have a full-time job and a whole year to plan, you’re ahead of my game.
First thing many people start off with is a theme for the wedding. You either start with the theme to pick a dress or you pick a dress and figure out the theme from there. Either way, there are most definitely seasons to all themes which means DISCOUNTS. My wedding is in December, so winter is my theme. I waited until right after Christmas last year and I got so many wreaths, garlands, pine branches, and those kinds of décor for 60%-80% off. Any savvy shopper knows that even colors are seasonal and buying them right after the season saves big $$$. Another example, is if you are having a June wedding and your colors are turquoise and pink, you wait until fall and all those colors are on sale, even the tulle and ribbons! Get those deals, girl (or even boy, hey, some guys like planning their weddings!).
Next, most people might start dress shopping. HAVE I GOT A STORY FOR YOU. You have to read my other post about wedding dresses though. Wedding dresses are one of the most expensive things you will ever have to buy, that you only wear once, and for a few hours. This made me have stress headaches, why would I pay $1000 for a white dress? Your best friend is now research. Buying a wedding dress is like buying a used car (and about the same price). If you find a name brand dress that you really, really like and you will literally die if you cannot wear it, I suggest two things!
The first, you need to get that serial number and start calling shops that hold that line. Email is also perfect, get that price in writing! You take the prices of these dresses and start forwarding the prices of that dress to other shops that also have the dress. Seriously, like buying a car. You would be surprised to find that many of those shops will lower their prices over the competition. You just have to be sure that the shops are somewhat close in distance. I would say to not pit any shops more than fifty miles away from each other against each other. This can save you a few hundred dollars!
Second option: look online. I honestly ordered my dress through Etsy and it only cost $200…with shipping. You might be wondering if my dress is like a mini skirt and bra or if it is falling apart at the seams. You would be wrong on both accounts. My dress is ivory and has a chapel train and has BEAUTIFUL lace designs all over it. It also fits very well, considering I tried to measure my own body and send those measurements to the woman who made my dress. The only other dress I loved, in a store, was $1400. I saved myself $1200. Can I get an amen? You have to be careful with ordering online. You will want to use a site like Etsy that you can leave comments on. I researched my dress for almost 15 hours because I am paranoid, but I highly recommend you always go through the last 50 comments on a review. You will find beautiful dresses online and you might be pleasantly surprised at how great it is. If part of your wedding experience is that you want to go to shops and have your girls tell you how great you look, you can 100% still go to stores. In fact, I implore you to go to stores and try dresses on because it will help you decide on which style you like best and make the online portion easier. You can also check online sites where women resell their dresses. It never hurts to look, you just have to be willing to spend a little time. It will be a huge payoff. Seriously, $1200 pay off.
Next up: venue. Venue is everything if you are obsessed with the vibe or theme of the wedding. I found that it was cheaper for me to rent a venue that had the food on site. Everything in a wedding can be bargained for. If you have a car salesman in your family or a person that can talk their way into anything, BRING THEM WITH YOU. You can do the same thing I did with the dresses, get quotes and send them around. I visited 5 or 6 venues before deciding on one. I picked it for its location and the price. You have to be willing to sit down and talk about it. Talk to the event planner at the venue and do not be afraid to name drop other places you are considering, even if you’re not considering them. Weddings are tight knit and there’s no doubt that venue will know who you are talking about. I got a deal on alcohol this way. I let it be known that I had visited other places and told them what I like or disliked between them. Many times the venue will try to sweeten their deals. You might get something for free or discounted. If they won’t budge, you can walk or decide what really matters to you. If the venue is important, don’t skimp. You will get especially good deals if you marry from December-March. That is considered wedding “off-season”, off-season, say it with me, gets DISCOUNTS.
Next, you might be looking for your photographer or DJ. When looking at photographers I suggest you look for college students or check Facebook. College students will not charge you an arm and a leg for the pictures and 9/10 times can take pictures just as well as someone who has been a wedding photographer for years. I got two photographers for 8 hours for $600. They both have portfolios and their pictures are beautiful. You can use Facebook to find them, just type in photography and where you live. Again, you have to do research. Make sure to check out their online portfolio before you make any decisions.
Music is the next big thing. My wedding is off-season, so most DJs will have specials for that. My only tip is to ask to attend something the DJ is working or check for videos and reviews.
There are a few other things you will have to buy for the wedding like flowers, cake, shoes, marriage license, gifts etc. Most of these cannot be bargained for, so you should research them for a rough estimate of cost. After you have factored in the venue and all the above things I mentioned, you start your budget.
To budget, and avoid using a credit card, you need to actually create a list of all your expenses. You need to make a list of essential and non-essentials. You obviously need to pay any bills like phone, car, rent, food, and gas. The things that are necessary to live and work. Everything else such as gym memberships, coffee, eating out, and shopping for things that are not food are up for discussion. I cut out bare bones for my wedding. I gave myself an allowance to pay for my essentials, Planet Fitness, and an extra $20 for anything like lunch money or a little treat of some kind. You don’t have to go as extreme as I did, but by me deciding exactly how much money I would use a month, I found an extra $700 a month to put into a wedding account. Now, I am also lucky because my parents are letting me live there until I find an apartment, so rent is free. The bottom line was that I only used $160 a month. It would be less if I only lived 20 minutes from my work instead of 50. I saved up all the money for the wedding besides $4,000 of it. That came from my future in-laws and my parents/grandma. I am very lucky to have that help. If you can bargain your way down to better prices and then sit down and decide what your essentials actually are, you can save for a great wedding and still get what you want. It is all about knowing where your money goes and how to strike a deal. You can budget for this wedding and you can even use the same principles to budget for other things in your life as you go.