Let’s be real—talking about wedding budgets isn’t nearly as exciting as picking out flowers or trying on dresses, but it’s one of the most important steps in planning your big day.  This is going to be one of the most memorable experiences of your life, so figuring out how to get the most out of it while still staying in budget is huge!  As a wedding photographer, I’ve seen couples stress over budgets, and I’ve also seen couples who planned wisely and enjoyed their day without worry. The key? Prioritizing what truly matters to you and allocating your budget accordingly. Here’s how to set a budget that works without sacrificing the moments that mean the most.

Smart Tips For Your Wedding Day Budget

1. Figure Out Your Total Budget

Before booking vendors or falling in love with a dream venue, determine how much you’re comfortable spending overall. Consider contributions from family, personal savings, and what you can realistically afford. Once you have that number, you can break it down into categories and figure out the best way to allocate the funds you have available.

2. Prioritize Your Must-Haves

Every couple has different priorities. For some, it’s the venue. For others, it’s the food, the dress, or (of course) the photography. Decide on your top three must-haves and be willing to allocate more of your budget to those areas while cutting back on things that don't matter quite as much to you.

3. Understand Average Costs

It’s easy to underestimate how much things cost. Research the average prices in your area for venues, photographers, catering, florals, and entertainment. Some of the biggest expenses typically include:

  • Venue & Catering – Often takes up 40% of the budget

  • Photography – Expect to allocate around 20-25%

  • Attire & Beauty – Usually around 5-10%

  • Florals & Decor – About 5-10%

  • Entertainment – DJs or live bands can range from 5-10%

  • Stationery, Favors, & Miscellaneous – Often 5%

Knowing these estimates helps you make informed decisions when hiring vendors.

4. Be Realistic About Guest Count

One of the easiest ways to control costs is by managing your guest list. More guests mean more food, drinks, rentals, and a larger venue. If budget is a concern, consider a smaller, more intimate wedding that allows you to focus on quality over quantity.  Plus, Micro Weddings are super "on trend" for 2025!

5. Don’t Skimp on Photography

Okay, I might be a little biased here, but photography is one of the few things that lasts beyond the wedding day itself. Flowers wilt, cakes get eaten, but your photos? They last forever. Invest in a photographer whose style you love and who can capture your day in a way that feels authentic while giving you a stress-free experience.

6. Plan for Hidden Costs

Many couples forget about additional expenses like taxes, gratuities, delivery fees, and alterations. A good rule of thumb is to set aside 5-10% of your budget for unexpected costs.  

7. Consider Off-Peak Dates and Creative Alternatives

Want your dream venue but it’s over budget? Consider getting married on a Friday or Sunday, or even during an off-season month. You can also save by opting for in-season flowers, digital invitations, or a buffet instead of a plated meal.  Forego the traditional "wedding favors" (which can eat up a lot of your budget) in favor of putting more into your guests overall experience - great music, delicious dessert or even a late night food truck.  

8. Get Creative to Get Additional Funds

When it comes time to plan your "wedding registry", consider asking guests to donate to your wedding fund (or Honeymoon fund) in lieu of a traditional "wedding gift".  This is absolutely acceptable, and often guests appreciate donating to a fund rather than shopping for and traveling with a gift.  A donation of even $50 from each "family" that attends your wedding could fully pay for your flowers and cake, or mean the difference between going with a wedding photography package that will be "sufficient" and one that will capture absolutely everything you want to remember forever!

Final Thoughts

At the end of the day, your wedding should reflect who you are as a couple, not just a Pinterest-perfect vision. By budgeting wisely and focusing on what truly matters, you’ll create a day that’s not only beautiful but also won't leave you worrying about your funds for months after your day. And when you look back at your wedding photos years from now, you’ll be glad you invested in the moments that mattered most.  If you're ready to book your wedding photographer, I'd love to chat with you - contact me today!