01
Setting a wedding budget and payment schedule
Agree one total you're both comfortable with before you book anything, then decide how it splits.
Start with a total, not a wishlist
Add up what you can save before the date, plus any family contributions you've actually confirmed. That number is your ceiling. Choose your two or three priorities — often venue, food or photography — and give them the largest share.
Keep a contingency
Set aside 10–15% for things that appear late: alterations, extra guests, delivery fees, local taxes or service charges that weren't in the first quote. Always ask suppliers whether a price includes taxes and fees.
Know how suppliers take payment
Most work in stages: a deposit to reserve the date, sometimes a midway payment, then a final balance due a few weeks before the wedding. Write every due date down as soon as you sign, so balances never arrive as a surprise.
Track planned against actual
Quotes change. Recording what you planned and what you actually paid shows early whether one area is drifting and where you can rebalance.