Here is a brides’s guide to creating a wedding budget – When you first get engaged, it’s all about the beautiful dress, the hunt for the perfect venue and deciding on your wedding party. The last thing you want to do is have to think about a budget but, unfortunately, it’s an important part of the wedding planning process. 

Top Tips before splashing the cash!

A wedding budget will ensure that you’re spending wisely and that you and your fiancé don’t need to have any awkward conversations about money later on. Plus, the more you can save, the more money you’ll have for an amazing honeymoon.

Many brides also tend to think that creating a budget means you’re never going to be able to have the wedding of your dreams but in actual fact, having a budget forces you to think out the box, get more creative and stay on track at the same time, something that every couple is thankful for after their big day.

 Below are a few tips that you can use to stay on track financially as you create the budget for your wedding.

• Chat about the details

Before you can start putting a budget together, you and your fiancé will need to chat about your vision for the day. Start making a note of all the expenses that you know you’ll need to factor in based on the type of wedding you’re looking to create. This includes everything from the cake and outfits to your transport and the venue.

Once you have everything in a spreadsheet you can start deciding who is going to pay for what. Remember to include any contributions that your parents might be making too. Now that you know what your budget is, tick off the items that are a priority and mark the items that might need to take a backseat or be removed completely. Make sure that you use this spreadsheet to keep track of all of your expenses so that you can stick to your budget.

• Speak up

As you start researching and enquiring with various venues and vendors, chat to them about your budget and what options they have that would fit in with what you can afford. Ask as many questions as you need to so that you’re not signing up for something that might come with added expenses later on.

• Work with a buffer

Working with a buffer is one of the best ways for you to stay on track.  Try and work with a buffer of at least 5% so that you still have some budget leftover for any last minute expenses and splurges. For example, if your wedding budget is £10,000, work on a budget of £9,500.

• Pay sooner rather than later

The sooner you can start paying venues and vendors, the better. Knowing that expenses are already taken care of can really relieve some of the planning pressure. Remember to use your spreadsheet to keep track of all payments that you’ve already made so that you know how much you’re still able to spend.

At Cream Photography following on from your booking deposit I do not require a balance payment until I present your images after the wedding, this practice is unusual, and most vendors will want payment before the day, sometimes up to 12 weeks before – check each vendors payment terms to check you can meet them without difficulty.

• Cash in on credit card rewards

Before you start making payments towards your wedding, try and find out about any credit card reward offers that you might be able to take advantage of. Many credit card companies offer clients points that can be exchanged for cash or vacation miles, something that will really come in handy when planning your honeymoon.