How to Plan a Wedding Without Going Into Debt (Yes, It’s Possible)

(Even if you’re not a spreadsheet-loving, Pinterest-obsessed, Type-A bride — I got you.)

Let’s get one thing straight — I am not a Type A person. Budgeting makes my brain itchy, and Google Sheets looks like robot math. But if you’re planning a wedding on a strict budget, you kind of have to lean into a little bit of structure. (Even if your natural vibe is chaos, vibes, and vibes again.)

The good news? You can plan a wedding that feels magical and full of love — without ending up in credit card debt or deep regret. Here's how:

1. Set Your Budget (Yes, Even the Uncomfortable Parts)

First things first: figure out what you're actually working with. That might mean sitting down with your partner and talking honestly about your finances. Or — deep breath — having a conversation with family members. Sometimes parents or grandparents will want to help pay for specific pieces of the day (like the dress or the rehearsal dinner).

I know — it’s not always an easy conversation. And if you don’t have family who can or want to contribute (or if you’re estranged), that’s okay too. The goal is clarity — not shame. Knowing your total budget from the jump gives you power and peace of mind.

2. Proportion That Budget Like a Pro

Here’s a solid breakdown to help you figure out where your money should actually go:

Category	Recommended %
Venue	20%
Photography	15–20%
Food & Drink	20%
Decor	8%
DJ/Entertainment	8–10%
Clothing & Makeup	6%
Officiant	1%
Miscellaneous	Remaining %

Don’t treat this like gospel — tweak it to match your priorities. If photos and food matter most to you? Shift accordingly. This is just a smart place to start.

3. Be Smart (and Transparent) When Finding Vendors

When you're hunting for vendors — especially in Facebook wedding groups — always include:

• Your wedding date

• Your firm budget for that vendor

It saves you (and them) a ton of time. You’ll avoid falling in love with someone way out of range or messaging people who are already booked.

Now, if you do fall in love with someone whose prices are out of reach, don’t be afraid to ask:

“Hey, I love your style but I’m working with a tighter budget — do you know anyone newer in the industry that you’d personally recommend?”

We vendors absolutely talk. We know who’s new and talented — and who’s new and… still learning. And many of us would rather help you find someone trustworthy than have you risk it on a random Craigslist situation.

🎯 4. Compromise With Intention

Planning a wedding on a budget isn’t about sacrificing everything — it’s about prioritizing what matters most to you.

Some easy swaps:

• Have a friend or family member officiate (saves money and adds meaning)

• Choose a weekday or off-season date (venues and vendors are usually cheaper)

• Trim the extras like signature cocktails or ornate decor if it means upgrading your photographer, DJ, or food

Compromise doesn’t mean settling. It means being intentional — and it usually results in a wedding that feels more personal and less performative.

💌 5. Keep It Intimate (and Honest)

Hot take? A wedding isn’t the place to meet your fiancé’s great aunt Agnes from Missouri who he hasn’t seen since he was three.

Weddings are expensive — per head. Inviting fewer people = less stress, lower costs, and more time to enjoy the people who truly matter to you.

Not sure how to handle extended family? Consider:

• Live streaming the ceremony (super affordable with the right tech or a friend with an iPhone and a tripod)

• Sending announcements after the fact with a few favorite photos

You can still honor and include people — without breaking the bank or filling your guest list with strangers.

❤️ Final Thoughts (from a Photographer Who Gets It)

I’ve worked with couples planning $5K backyard weddings and others with $50K vineyard blowouts. And the truth? The budget doesn’t determine how meaningful or beautiful your day is — you do.

So whether you’re thrifting your dress, DIYing your florals, or hosting your reception in your aunt’s garden, please know:You can have an amazing wedding. One you’re proud of. One that doesn’t follow every trend — but still feels like you.

And if you want someone who gets it, doesn’t judge your budget, and will help you create magic no matter your numbers? You know where to find me.

xo Rachel