Wedding Budgeting: how to plan your dream day without going broke
Congrats! You're planning a wedding! Cue the confetti… and also the mild financial panic.
“So… what’s your budget”?
If you’re anything like me, just hearing the word “budget” is enough to send you into a spreadsheet spiral. But don’t stress, with a little planning (and a reality check or two), you can have the wedding you want without maxing out three credit cards and skipping your honeymoon.
Let’s get into it 👇 (P.S. this is not financial advice)
💡 First things first: The average Aussie wedding costs around $36,000
(Source: moneysmart.gov.au. Also: ouch.)
But - and this is important - you don’t have to spend anywhere near that to have an incredible day. It’s all about priorities, choices, and being a little bit savvy.
Your Budgeting Game Plan 🧾
1. Start with the big number
Figure out what you actually have to work with. That includes savings, any generous contributions from family, or a bit you’ve budgeted to save between now and the big day. Once you have your total, try (really try!) to stick to it.
2. Pick your priorities
What matters most to you? The venue? The outfits? The food? The band? The champagne tower? Focus your money on what you care about, and be willing to dial back the stuff that’s less important.
3. Break it down
Make a spreadsheet with categories like:
Venue
Food + drinks
Outfits + accessories
Celebrant (👋 hi, that’s me!)
Photography/video
Entertainment
Decor + flowers
Rings
Random extras (because there will be some)
Seeing it all laid out helps you stay on top of where your money’s actually going.
4. Shop around
Don’t just go with the first vendor you speak to. Get a few quotes. Compare packages. Ask for custom options. Sometimes a simple conversation can save you hundreds, or get you a few bonus extras. Wedding planning sites like Easy Weddings or WedShed are great places to start.
5. Off-peak is your budget’s bestie
Consider a weekday wedding or a date during the off-season. Venues and vendors often charge less, and your dream location might actually have availability.
6. DIY (if you’re into that kind of thing)
From handwritten signage to Spotify playlists and cute favours, there are lots of ways to add personal touches without the premium price tag. Bonus points if you rope in crafty mates or wine-fuelled weekend working bees.
7. Guest list = money list
It’s brutal, but it’s true: fewer guests = lower cost. Every extra person means another chair, plate, favour, and drink. Be honest with yourself about who needs to be there.
8. Keep checking in
Review your budget regularly. Things shift. Costs creep. Leave some wiggle room for unexpected extras (because they will happen, I promise - *sorry).
9. Think small (on purpose)
A micro wedding or elopement can be just as stunning, way more intimate, and easier on the bank account. Smaller guest list = more meaningful moments = less stress.
10. Talk about money, even if it’s awkward
Have open convos with your partner early on. Wedding planning is a great chance to practice good communication and align your money goals. The MoneySmart website has some helpful tips for navigating couple finances.
Final thoughts from your friendly celebrant:
You absolutely can plan a gorgeous, meaningful wedding without draining your bank account. Focus on what matters most, get creative where you can, and remember: at the end of the day, it’s about the two of you, not the price tag.
And hey, if you’re thinking about a legals-only ceremony, elopement or something a bit more low-key? I’ve got ideas (and options).
Let’s make wedding planning fun again. Spreadsheet optional. 💫