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How do people usually pay for weddings?
The wedding is in 2 years because we have to save up ourselves for it. Neither of our families are able to help out. I'm sure there are many other couples out there in the same situation and I am just wondering what you do (save, loan, payment plans)?

Married: 08/06/2011
Posted On: Aug 6, 2009 at 2:24 AM | Vendors are allowed | Add to My Watchlist | Flag As Inappropriate

19 Answers This question is closed for answers.

Aug 19, 2009 at 6:31 PM • Flag As Inappropriate
95% of my brides are on payment plans. If you can afford to buy lunch every day, you can afford my wedding collections. I always strongly urge my clients not to use a credit card if possible.

Another way is that some brides set up a gift registry with paypal and request their guests to pay for certain items. like the food, rentals, location.

Also you need to look at what you really need or want.

Look at your ROI(return on investment.) What is going to last the longest?
cake - 20 minutes
location - 8 hours
rentals - 8 hours
dj - priceless
food - 1 hour
dress - priceless
Video - lifetime
photos - lifetime
favors - forgotten by your guests at their tables
your perfect wedding - priceless

Yes it's important to have your wedding look and feel the way you want it. but there is some great stuff that doesn't cost an arm and a leg... go look at your nearest Anthropologie store window... It looks amazing, but they spent pennies on the raw material.

Just a few ideas to think about.

Married: 10/03/2009
Reviews: 6
Aug 06, 2009 at 12:35 PM • Flag As Inappropriate
We actually are in the same situation. I actually took a loan against my 401K. If your going to take out a loan, you may as well pay yourself back! My FH actually got a second job. It's been a struggle, expecially for the wedding "I" want to have, but we are only a month and a half away, and it seems to be coming together. Good Luck!

Married: 09/05/2009
Reviews: 8
Aug 06, 2009 at 2:19 PM • Flag As Inappropriate
We bought our house last year and when we filed for our taxes got a homeowners credit, so we are paying our wedding with that money. This money in combination with our savings are paying for our on the budget dream wedding. So far, we are doing well, and our wedding is on Sep 5. Good Luck!!!

BB Party Girl Candy

BB Party Girl Candy
Aug 06, 2009 at 3:31 PM • Flag As Inappropriate
check me out for your bacholertte or couples co-ed night!!! www.brownbagparty.com/candy
Just for having a party you get a 3 day/2 night mini hotel vacation for over 26 destinataions!!!!!Could help for the honeymoon!!!!

take care!! Candy 407-324-6622

J&K Custom Weddings and Events
Aug 07, 2009 at 12:40 AM • Flag As Inappropriate
You do not want to enter a marriage in debt. Taking out loan payments is not recommended because you don't want to spend the first few years of your marriage paying back loans that made the big day possible. Most vendors and venues require a small deposit up front and then you can either make monthly payments or save up until about 30 days to 15 days prior to the wedding day and then the full amount is due. I also recommend setting a reasonable budget that you know isn't going to be difficult to save for. Plus, when you and your FH file your income taxes, be sure to put that money aside. You can honestly have a wedding off of any budget, you just have to have the know how. If you hire a wedding planner, they can help you stay within your budget while planning the wedding of your dreams. Good Luck!

Patricia W.

Simply done...
Aug 07, 2009 at 8:03 AM • Flag As Inappropriate
J&K gave you excellent advice...
I actually do NOT advise going into debt. The wedding is indeed a wonderful beginning and a most memorable event BUT it should not caste a pall over your future lifetime.. First you need to look at the type of event you would like to have including a guest list so you have some real numbers to work with and structure a budget around that...figure all the big expenses reception, dj,photographer, florist,invitations[postage too], bride and groom attire etc...
There are many budget planning tools available in book stores and on line...
I will often advise couples to bank the cost of the reception meal each week for one or two guests[usually the highest total cost]. With 2 years to go if you both save just the cost of the meal in one year you have 104 guests saved...
A wedding planner can actually save you money...
The very best and take time to enjoy this very special time for both of you!!!
Aug 07, 2009 at 9:24 AM • Flag As Inappropriate
Also, decide what is most important to you and cut back where you can. Like J&K and Patricia said, a wedding planner is well worth the investment. He/She can tell you where your money is best spent, ways you can cut back (but not cheapen your wedding) and so on. I suggest not going into debt either as the number one reason for divorce is financial issues...

When I got married, we paid for our own as well (second marriage for me and parents said "not this time"). We decided that the most important for us was the food, so we found a place and with enough food purchased, they gave us our room for free. Then we wanted a videographer, because we were doing a play that we wrote for our wedding and wanted it recorded. I made my flowers myself and my venue had linens and chair covers for the tables. I bought simple votives, decoration rocks, mirrors and candles for the tables, printed the name cards myself, and kept the guest list manageble.

Houston's DJ
Aug 07, 2009 at 10:36 AM • Flag As Inappropriate
Hello. I am a DJ and work out payment plans with couples. Also, check out Lindsay Lakes. They can add all your vendors to one bill and you can make monthly payments to pay off.
Aug 07, 2009 at 11:45 AM • Flag As Inappropriate
Hi Sarah,
some vendors take credit cards. Officiants usually can only accept cash or checks because we don't have a storefront. IF YOU GUYS ARE LOOKING FOR A NONRELIGIOUS CEREMONY, PLEASE CHECK ME OUT!

WWW.FIRSTOFFICIANT.COM

Thanks!
Aug 07, 2009 at 11:59 AM • Flag As Inappropriate
it is not an unusual situation...whatever your situation is make the best of it...I would talk to my vendors in setting up a payment plan, as long as you know what you want they should be able to give you a ball park and you could start saving to make sure you have enough..... just keep your budget real : )
Aug 07, 2009 at 1:02 PM • Flag As Inappropriate
My advice would be to prioritize. Decide what is the most important thing you must have at the wedding. If it's the food, then plan on saving enough to pay for each guest you will be inviting. Cutting down on the guest list always helps. Having 2 years to plan and save is plenty of time to accomplish your goals. I agree with the hiring a wedding planner. WE work with preferred vendors who are willing to pass savings along to the bride as a courtesy to the consultant. Let me know if I can help. I can do as little or as much as you like.

JJ
Married: 2+ years ago
Reviews: 6
Aug 13, 2009 at 3:10 AM • Flag As Inappropriate
A lot of do it yourself-invitation, flowers. Don't plan on paying for an extravagant venue or crazy 5 course meals. Get your dress on ebay, clearance or sales. Limit the number in your bridal party or have none. Elope or don't have an actual ceremony with bms, gms, officiants, musicians. And have a small reception after or not at all wearing a simple elegant dress. No dinner reception? Just cocktails and finger food. Or just lunch or brunch? Instead of a traditional bridal cake, get a plain sheet cake or cupcakes. Get your friends and family to take pictures.

Wedding Coordinator at Norton Chapel

Norton Chapel @ Keuka College
Aug 14, 2009 at 9:58 AM • Flag As Inappropriate
Paying for things little by little is the best way to go about your wedding. I know a lot of couples who have had to pay for their own wedding, and honestly you don't want to go into debt for 1 day. Although it is a special day it is better to plan ahead and know what your budget is rather then jump in and start taking out loans. For my own wedding we had a 3 years engagement for just that reason. I would save a certain amount of money each month and use it towards something for the wedding. First I started with paying a deposit on the Ceremony & Reception Venue. Next was my wedding dress and photographer. Then came the DJ and transportation. After we had the little things paid for we began working on all the decorations, invitations and smaller items such as favors. It worked out, and although we spent a lot of money it didn't seem so bad because it was over such a long period of time.

My advice. Save, Save, Save :)

Married: 08/01/2009
Aug 14, 2009 at 7:57 PM • Flag As Inappropriate
I would suggest that you start right now looking and gathering ideas that interest you. I just got married on 8/1/09 and it was expensive. What we did was pay deposits on everything and make payments along the way. I suggest that you do whatever task that you can to cut down on cost. For example, I wrote my own program and also printed them myself. I worked on most of my favors, except for the ones that were personalized, and whatever else that I could do.It may help if you start early with everything so you won't get so stressed out with the planning. Now you can get a wedding planner, but that will be extra money for you. I basically did almost everything and just consulted with my director on everything that I had done. Everything turned out very nice, and I still have people complimenting me on how beautiful everything was. I just want to suggest working on whatever you can as early as possible and make payments on whatever you can as early you can!! Wish U & your FH the Best!

Soon to be AME
Married: 2+ years ago
Reviews: 5
Aug 15, 2009 at 8:43 PM • Flag As Inappropriate
Figure out what is most important to you so you can budget, make payments when possible, I don't suggest a loan-like they have said before there is no need to enter with more debt. I have been shopping sales at the hobby/craft stores, and don't forget you can never start too early!!!!! My FH thought I was nuts to get my favors and stuff over a year in advance, but the bills seem like so much less now because I started so early and was able to pay slowly instead of all at once.
Aug 18, 2009 at 2:20 AM • Flag As Inappropriate
If you find that you are way out of a budget to even have your wedding I would suggest you just go to a justice of the peace and get married. When you feel you can afford it later you can always renew your vows and have a party. Don't find yourself in debt to get married.

Do not ever take a loan against your 401k, ever!!!!

Tom Keene
LAdigitalPhoto LLC
www.LAdigitalPhoto.com
888-LAD-PHOTO
Aug 23, 2009 at 3:36 PM • Flag As Inappropriate
Everyone has given you great advice. The best thing to do is to come up with a realistic budget first. What do you think you can save in two years? Look at what you're getting paid and if you're willing to make sacrafices before thew wedding. Some vendors do not openly offer payment plans but some are willing to do so if you ask! Don't be shy about your situation, ask for options from your vendors. Aslo, consider hiring a planner even if it's only for the day of. A lot of packages include budget planning. Also ask the planner what their policy is on discounts and/or kick backs. I know all of my clients are given back whatever kick-back we recieve and given all my discounts even on papers for DIY!

Tierra+Aaron
Married: 07/03/2014
Reviews: 1
Aug 26, 2009 at 12:37 AM • Flag As Inappropriate
Miss Sarah, My FH & I are doing the same exact thing. I just started planning but I take my spending day by day. We also set a certain amount on money aside every month. Its our wedding pot! and Our budget plan will allow us to have everything paid 60 days prior. Taking small steps is what will work overtime. I will also be less stressed than trying to pay lump sums at the last minute.
Good luck!

Dominique&Rico
Married: 08/09/2009
Sep 03, 2009 at 9:31 PM • Flag As Inappropriate
Please Please dont take out any loans. you have 2 years to save look at your budget and see how much you can afford to save monthly then multiply that by the amount of months til ur wedding that gives you a base number to deal with try to see what you can do with that amount if you need help on where to cut cost let me know Good luck
 

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