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You are here: Home / Save Money / How to Plan a Wedding Budget

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How to Plan a Wedding Budget

by Naomi Willis · updated 12 March 2019

I’ve been researching getting married for a long time now. Not just from when Skint Dad popped the question but from a long time before, hoping that I could have the Disney princess wedding that every little girl dreams of.

But now, as I look back at the cover of the Disney film that I treasured so much growing up, I wonder if that’s what I really, really want.

Yeah, sure, I found my knight in shining armour but do I really want all the glitz and glam?

Then I thought a little harder.

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Not all Disney princesses had the most expensive of things. What about poor Cinders? She had a pumpkin and mice for her transport and a dress her fairy godmother threw together in a Bibbidi-Bobbidi-Boo. And you know what? Her cheap, thrown together bits and pieces wowed the prince and the crowds – showing that, with a little magic, the cheapest of things can look utterly gorgeous.

I will be Cinderella and my handsome prince will take me to the ball!

And why not? We are working to a budget but that doesn’t stop me wanting everything to look fantastic and exactly how it would be if I had all the money in the world.

Getting my head out of Disney and back to reality, this is my guide on how to plan a wedding budget:

Set the Budget and Be Realistic

Time moves quickly. In just 10 months, I’ll be tying the knot! It sounds like a lot from the outset but, when you start to think what needs to be done over each weekend in the run up, the time really will fly.

Set a budget and stick to it but when setting the overall budget, you need to make sure that you are realistic with your saving time scales. If you still need to save up before the big day, you need to be practical about how much you can put away each month in the run up.

If your plans are getting bigger and bigger but you’re not able to save enough to cover the costs, you may need to go back to the drawing board and work out how you can adapt your idea to fit the budget.

Research and Prioritise

Before I started on this wedding journey, I had no idea how much wedding flowers were (no, we are not getting a florist to do flowers) or how much it cost to hire a car (and no, we are not having a car).

We had to check on costs as they may have been affordable and something that we HAD to have but, we consider other things more important so they’ve come off our plan.

This doesn’t mean that they shouldn’t be on your list. You really need to look at what you want for your own wedding (as a couple). Get some quotes so you understand how it’ll dent the budget then decide if it gets a higher priority than other things on your wish list.

For instance, do you really need “save the date cards” when most of your friends and family are on Facebook?

Track the CostHow to Plan a Wedding on a Budget

Our budget is quite tight. We are planning to make a lot of things ourselves and have already started to collect things. 

Although buying small bits far ahead and splitting the costs over the next few months is great for the pocket, what we might not realise is how much we are spending overall.

A few pounds here and a few pounds there quickly adds up and, before you know it, the cost is spiralling out of control and you’ve bust your budget before you’ve even got the dress – horror!

Luckily, I like spreadsheets. People who know me well probably say that I actually love spread sheets and I play with them like they are another of my children.

But, I understand that not everyone likes to “play” with these types of programs as much as I do. Luckily, there are lots of online tools that can help you track what you are spending but just putting the numbers in.

If you pop over to Google (other search engines are available), and type in “wedding budget planner”, you’ll get loads of options for spreadsheets you can download that can help.

If you really hate all things Excel, I really like the Hitched online wedding budget planner where you put in your total budget and it suggests how you should split the wedding spend.

When I put our figures in, it was suggesting money for a few things that I knew we would spend so I adjusted the figure to “0” and could put some more in somewhere else.

Set a Contingency

Even the best laid out plans may have slight flaws. There seem to be so many things that need to be thought about and I’m still thinking that I’ve missed something important off my list (like shoes – I’ve got no shoes that are even half suitable to wear with a pretty dress – added to the list!).

There may be something that you have missed so it’s worth not setting your budget so tightly to the penny that you don’t have any room for manoeuvre. Put a little pot aside and if you are the best-planned bride in the world, you walk away with budget spare.

Wedding Vs Marriage

When it all comes down to it, why am I getting married in the first place? Is it for the wedding or the marriage?

It really gets me thinking. All this for a wedding. For one day. Essentially a great big party for all the people we love.

You don’t need to spend over the odds and get your married life off to a start in debt.

The wedding planning on a budget continues…

  • About
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Naomi Willis
Naomi Willis
Content editor at Skint Dad
Naomi knows the burden of living on very little and became debt free by following her own money saving tips and tricks. She is an expert on saving money at the supermarket and side hustles.
Naomi Willis
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Comments

  1. Gina Caro says

    31 January 2014 at 12:35

    Some great tips there, thanks for sharing :-) We are also going to do a wedding on a budget.

    Reply
  2. Vicky Williams says

    31 January 2014 at 21:46

    One tip for you, when phoning places for quotes don’t mention it’s for a wedding unless you must (cake, rings etc) as soon as they know you want something for a wedding they bump up the price, even down to a dj, I got a quote and just mentioned when I wanted them and they said a certain amount and then when I spoke to them again and let slip I wanted them for a wedding the price nearly doubled for the exact same service, it is ridiculous.

    Reply
  3. Iforonwy says

    3 February 2014 at 10:26

    If you Google e-bay wedding you should come across an article about our neighbour’s daughter and how she sourced everything for her wedding.

    40 years ago we did something similar in that instead of wedding gifts of crockery, linens etc we had, the flowers, the cars, the hire of the hall. the cake as gifts. My bridesmaid’s made their own dresses and the two little ones looked lovely in M&S Laura Ashley style nightdresses that we trimmed with ribbons and flowers.

    Very best wishes and enjoy making the plans and savings!

    Reply
  4. Button Brown says

    27 March 2014 at 21:54

    I’ve also been planning a wedding on a budget recently (it’s in 2 weeks now!! EEEEP!) my best tip is around wedding stationary, because whether you want to do it or not, people will need save the date cards, invites, thank you cards, etc… Rubber stamps and ink pads, and plain coloured card saved me an absolute fortune. It also meant I had a consistent theme running from the moment we sent out save the dates to the end. Hope it’s all going well! xx

    Reply
  5. Naomi aka Skint Mum says

    11 July 2014 at 22:23

    Fab!! Have you booked a date yet?

    It would be good to hear how you’re going about it and maybe swapping tips? There are so many places out there to find information but I’ve found real brides (and brides to be) the most helpful x

    – Naomi

    Reply
  6. Naomi aka Skint Mum says

    11 July 2014 at 22:24

    Great point! I’ve been saying “for an event in December” and most people presume it’s a Christmas do

    – Naomi

    Reply
  7. Naomi aka Skint Mum says

    11 July 2014 at 22:25

    Thank you, it’s been fun so far with all the planning. Time is ticking away so quickly so I must just remember to enjoy the moments

    – Naomi

    Reply
  8. Naomi aka Skint Mum says

    11 July 2014 at 22:27

    Well, I take it that you are now married so *many congratulations* !!! I’m sure you had an amazing day. Thank you for the tip xx

    – Naomi

    Reply
  9. thara ravishanker says

    23 November 2022 at 08:31

    Weddings can be a pricey affair. If you’re trying to save money, perhaps consider making a cake at home in order to reduce costs. Also you can always see if you can find a cheaper wedding dress in a charity shop instead of buying one full price. Alternatively you can slash costs designing invitations at home on your laptop. It is worth a shot anyway. Lower costs by preparing all the food at home. Look at ideas in magazines and library books and the internet. Much cheaper that way. Make some brief summary notes too.

    Reply

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Ricky and Naomi Willis

Ricky and Naomi Willis, founders and editors of the Skint Dad website.

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