I'm new here and looking for advice on how to even begin making a budget. I've read through some of the material here and am still really shaky on how to figure out what's feasible for me to even think about doing. I know the wedding will have to be pushed out at least two years for financial reasons, and we will most likely be paying for everything ourselves. We're 26 and 29, and have been living together for 6 years so the concept of no money/financial issues are already no stranger to us. I think I want to take out a loan to pay for most things, however I had generally a negative reaction to this on my previous post. I'm planning on cutting costs by hopefully having the wedding on a Thursday, I know most of my guests would be able to make it with a proper amount of notice. We presently have no real savings, and I feel like to save for what we want would take literally a decade. I do however have excellent credit and know how to budget payments, that's why I'm leaning toward a loan.