Wedding Wednesday: How to set a wedding budget without killing each other

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Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy
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Sometime early on in the wedding planning process, your or your partner-to-be will want to discuss a wedding budget. Like all discussions in the wedding world there are so many factors to be considered. Alex and I pretty much nailed this aspect of our wedding so I feel highly qualified to talk about it! This post is all about how to set a wedding budget without killing each other.

(I kid. Mostly.)

Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy

So you’ve gotten engaged! And you’ve decided about how long your engagement should be. Perhaps you’ve started cruising Pinterest for inspiration, or you’ve chosen your venue or dress already. There is no one correct order to wedding planning!

For us, the wedding budget talk came very early on in our engagement. Even though we’d decided on a longer engagement there are some things you need to select way before the wedding date, like the venue and potentially your wedding dress.

As two of the last people to get married in my friendship circle, and on the later side of Alex’s circle, we had plenty of knowledgeable couples to give us marriage prep advice! One of the best tips I received was to wait for the right moment to have the budget talk. Because if you don’t, this very important chat could easily devolve into an argument. That’s why it’s so important to know how to set a wedding budget without killing each other!!

What does the right moment to talk wedding budget look like?

1. Firstly, you should both be relaxed. Don’t do it when one of you has had a bad day at work, or when the vacuum suddenly breaks, or when you’ve had a stressful day. You both want to be in a good mood to talk about your celebration!

2. There should be no distractions. Put your phone in another room while you have this chat. Make sure the TV off, perhaps play some romantic music if it won’t distract either of you! Whatever helps get you in the right frame of mind for this chat is good.

3. Create some romance around the chat. It may sound silly but this tip is really good!! On your wedding day you and your partner are both going to have such heightened emotion that every decision you made is going to seem brilliant, and you won’t regret anything you spent on. But months (or years!) before the wedding day, that romance might be hard to picture. So if you can, create some romance around the budget talk. Go on a date and talk about budget sometime on the date. Cook dinner at home together, watch a romantic comedy and take an intermission to chat, or cuddle together on the couch while you talk.

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Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy

In addition to knowing what the right moment looks like, it’s good to set your wedding budget chat for success. It’s part of how to set a wedding budget without killing each other!! Here are three tips to help your talk go smoothly.

1. Have the chat before you make any wedding-related financial commitments or purchases. Aside from the engagement ring there is nothing to buy or commit to before you’ve set a wedding budget. In fact, committing to anything before you’ve had a budget talk is a recipe for disaster! We’ve all read the stories of couples who were far apart on wedding budget and how it can cause arguments or drive otherwise happy couples apart. Finances can be a tricky subject! By setting a budget before you buy anything wedding-related, you can confidently make your choices knowing where you stand in regards to your total planned output. That’s how to set a wedding budget without killing each other.

2. Ask your partner ahead of time to have the chat. Even the best communicator will likely have a hard time having the wedding budget chat on a moment’s notice! No one likes to be surprised by an important talk. You don’t have to come up with some grand proposal — one of you already did that once!! Just be very plain about it, “Honey, I’d love to chat wedding budget sometime in the next couple of weeks. When is a good time for you?” That way you can both start to gather some information for your chat.

3. Come to the chat open and be willing to compromise. This sounds like a duh statement. Maybe for you it is! However, I have heard tales, sometimes recounted in humorous ways and other times not so much, of one partner who comes into the budget chat with a number in mind. And let’s be honest, it’s usually the bride!! There are so many factors that go into setting the budget (more on that in the next section). Who’s paying, who’s helping, where you live, the list goes on! In most couples there is one financially savvy person and one partner who is less financially-oriented. Yet even if you’re both finance experts, it’s important to hear your partner out on their budget number and their reasons for that number.

4. Do some very general research before the chat. Along with #3 above, I don’t think it’s a good idea to start your wedding chat with your heart set on a particular venue, dress, or any wedding-related item. Not if you want to know how to set a wedding budget without killing each other. That said, I do think it’s a good idea to know about how much weddings cost in the state or city where you plan to get married. (Here are two great references: 1 | 2) Here’s why: if you know that weddings in your state cost on average $75,000 and you can’t imagine spending more than $50,000 on your wedding, then from the get-go you know that you’re going to need to find ways to spend below-average amounts on your wedding. And that’s totally fine — we did it!!  Your partner may have no idea how much average weddings cost where you’re getting married, and this knowledge will help the conversation flow from an actual factual place instead of a pie in the sky or shoestring place.

Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy

When you sit down to have the wedding budget chat, it’s easy for your mind to suddenly go blank. What exactly do we need to talk about you may wonder. Below, some questions to ask each other so you know how to set a wedding budget without killing each other. It’s ok if you don’t have the answers immediately — ask the questions and then set a date to find the answers.

How much does the average wedding cost in our state/city?
Do we want a destination wedding, a local wedding, or a wedding in one of our hometowns?
Do we want a traditional wedding with a religious service and a reception, or do we want something else?
What is most important to us: the ceremony, the reception or the number of people we can have?
Are we willing to invite fewer people to a more expensive venue?
Are we open to a contemporary setting like a restaurant or park?
Do we want to get married during wedding peak season or off-season?
Do we want to get married at a venue we’d need to pay for, or do we want to look for a free spot?
Will we be paying for the wedding on our own?
Is a family member going to help pay for the wedding?
Do we want a full-service wedding or do we want to handle vendors ourselves?
Do we want a large guest list, medium or small guest list?
Do we have any money set aside (wedding fund, inheritance, stocks, savings, etc.) that we plan to use towards the wedding cost?
Are we in debt? 
Do we have savings?
Will the wedding deplete our savings fully?
How much of our savings are we willing to put towards the wedding?
How much additional income will we make between now and the wedding that we can put towards the wedding cost? (This is helpful for setting an approximate date too!)
Do we want to pay for the entire wedding up front, or are we comfortable putting certain parts on a credit card/taking out a loan?
Do we want to cover expenses for our wedding parties or will they be paying for their own expenses (i.e. dresses/suits, bachelor/bachelorette parties, etc.)?
Who earns more? 
Do we want to split the wedding 50-50, or is there another proportion that makes more sense?
Is there an amount of money that we both feel comfortable spending on the wedding?
Is there a number that in hindsight we’d feel is too much to spend on the wedding?

Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy

Alex and I knew we’d be paying for our wedding on our own. We’re both adults; we both work and we’ve both been out of our parents’ homes for quite some time. In the end our families both helped out generously by covering some of the traditional expenses parents take care of (for me, my dress, for us, the rehearsal dinner).

When we sat down and had the wedding budget chat, Alex and I together looked at many factors to settle on our final budget number. Both of us were very clear that we didn’t want to take on debt to have the wedding. Living in New York City where the average wedding costs close to $90,000, we knew we’d be aiming for some amount below that.

We looked at how much we each earn. We examined our savings. There was an honest talk about what percent each of us could contribute. We also talked about waiting to have the wedding until we could save up some more money, which is part of why we had a long engagement.

As the talk moved towards hard numbers I was not surprised to hear that Alex had a much lower number in mind than I did. This wasn’t a problem. Instead we together agreed that if I could get sponsorships for some of the things we wanted that would allow us to increase our wedding budget without spending any additional money.

The budget talk also drifted into other aspects of the wedding. We talked about the parts of a wedding that are important to us. For Alex, he was picturing a wedding on or near the beach with all of our friends. I imagined a city wedding that likewise would have a large guest list. Alex’s top priorities were good food and bar, a good DJ and not going crazy with expenses. My top priorities were travel convenience for our friends and loved ones, a great photographer and videographer, and good food.

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Wedding Wednesday: How to set a wedding budget without killing each other :: Effortlessly with Roxy

In the beginning of our wedding budget chat, Alex and I were about $30,000 apart on what we wanted to spend. In the end, we compromised much closer to his (smaller) number. Wisely, Alex had the foresight to know we’d probably end up going over. And he was right — we went just under 10% over because of some expenses we hadn’t anticipated. (Much, much more on that in a future post.) It was ok because he’d factored it into his mental math.

For me, I was able to make up a lot of the budget spread between Alex’s ideal and my ideal via sponsorships. I’m of course super appreciative to all of our wedding sponsors for this!! Beyond sponsorships I also took on extra freelance work and we went into super savings mode about 12 months before the wedding.

Alex has purchased a home before but for me the wedding is the most money I’ve spent yet on one event for myself. The numbers can be downright daunting! That’s why it’s so important to get on the same page regarding the budget early in your wedding planning process. The numbers may seem big but I promise you can do it! It’s amazing how once you have a number set in your mind and on paper, the Universe will provide avenues for that money to show up if it’s not already in your bank account.

We’ll talk more about wedding budgets as Wedding Wednesday continues. For example, we’ll chat in a future post about those hidden expenses Alex and I hadn’t thought to plan for. In the meantime, I’d love to know how you and your partner set your wedding budget! If you’re not married or not with the one yet, how much money do you envision spending on your wedding someday?

Thank you to the following sponsors for their support of Effortlessly With Roxy, 
Wedding Wednesday and my August wedding to Alex!!


Kleinfeld (Wedding Dress) || RenzRags (Bridesmaid Dresses) || Amazon Fashion (Accessories) ||
Basic Invite (Save the Dates) || Laurel Creative Photography (Engagement + Wedding Photography) ||
Mango Tree Productions (Wedding Videography) || Love & Promise Jewelers (Wedding Rings)
Hyatt House Jersey City (Wedding Hotel + Afterparty) || VistaPrint (Mailing Labels)
Jewel by Badgely Mischka (Wedding Shoes)



  1. Nataly
    September 18, 2019 / 8:46 am

    These are all amazing tips! I wish I had these when I was planning my wedding. They would have totally come in handy!

    • September 24, 2019 / 10:30 am

      There is so much learning along the way no matter how many tips or helpful friends you have!

  2. September 18, 2019 / 9:28 am

    This is such an important discussion! I was very lucky that my (now) husband was super laid back when it came to our wedding. These will be great tips for anyone planning a wedding who has a spouse with lots of input!

    • September 24, 2019 / 10:30 am

      That is pretty awesome if you're excited to plan the wedding!! I love how you really can't do it wrong.

  3. Rach DiMare
    September 18, 2019 / 9:31 am

    You nailed all the important points! This is exactly what my husband and I did during the wedding planning process and for sure talked about the finance of it ahead of time. We wanted to make sure we can realistically pay for everything and if our budget was realistic.

    • September 24, 2019 / 10:31 am

      Yes. It was very important to us not to go into debt for the wedding.

  4. September 18, 2019 / 9:38 am

    This title made me laugh! haha So many great tips here! Definitely saving this for the future!

    • September 24, 2019 / 10:31 am

      lol I thought it would be a good attention grabber.

  5. September 18, 2019 / 9:40 am

    These are such great and useful tips and omg I love the donut wall! So cute! xoxo sarah

    • September 24, 2019 / 10:32 am

      Right?? Our venue does this and at the pre-wedding tasting they had an example donut wall. It was SO tempting but we already had a cake and dessert so we felt like it would be too much sugar. But if we hadn't already ordered a cake we totally would have done this!!

  6. Natalie Aubele
    September 18, 2019 / 11:55 am

    These are all really great tips ! We just got married August 31st and we went way over budget ! : (

    • September 24, 2019 / 10:33 am

      Well, it happens! I hope that you're able to pay it off quickly! We were surprised by how many last-minute costs came into play. I will be addressing those for sure in this series.

  7. Lina Melo
    September 18, 2019 / 12:05 pm

    Such great tips, planning a wedding could be difficult sometimes but taking into account these tips will help a lot!

    • September 24, 2019 / 10:33 am

      Thank you Lina!

  8. Delia Atenea
    September 18, 2019 / 12:27 pm

    OK first of all I'm obsessed with that donut wall! So cute! These are all great questions because weddings can totally get out of hand when it comes to budget! My biggest advice would be to spend as little as possible and use the rest to buy a house! (But still you wanna have a cute wedding!)

    • September 24, 2019 / 10:34 am

      I like that tip! Here in NYC housing is ridiculously expensive in most all areas, so people tend to do things like buy weekend houses upstate instead of here in the city proper. As a result events tend to be bigger fêtes. Of course, we're aiming to do both!!

  9. September 18, 2019 / 12:49 pm

    These are such great tips! I think these are really great questions that every engaged couple should ask themselves. My husband and I paid for our own weeding and luckily, we were on the same page the entire time so that made things run much more smoothly!

    • September 24, 2019 / 10:37 am

      That's so good to hear! Most of my friends were too, but you do hear about couples that are not even in the same area code and that can get ugly!

  10. September 18, 2019 / 2:36 pm

    These tips are so helpful! I love how you included the list of questions to go over as well. These things really do help with taking some of the stress off of the couple. My husband and I definitely set a budget before we agreed to anything and we had to get creative with some parts of the big day but we were able to stay within our means which was great for the start of our marriage!

    • September 24, 2019 / 10:38 am

      I'm so happy to hear that Caylee! I don't think anyone wants to start a marriage with a mountain of debt hanging over them.

  11. She Saw Style
    September 18, 2019 / 6:15 pm

    These are great conversation starter questions. My husband and I basically started with how much our venue would cost and went from there to determine our budget. It wasn't that hard for us, because we didn't have combined income, my income is so passive, and we knew it was gonna be CHEAP haha. It ended up going over pretty dang well 🙂

    • September 24, 2019 / 10:40 am

      Love it Stephanie! The venue cost is a really good place to start.

  12. September 18, 2019 / 10:36 pm

    These are awesome tips and great ways to talk about it with your partner! I totally agree and believe it should be a fun time for you and your partner, so the conversation should be fun and exciting!

    • September 24, 2019 / 10:43 am

      Yes! No need to make it heavy or like an argument. This is a major foray into the partnership that your marriage is, so it's a good time to nail that whole working together thing!! =)

  13. September 19, 2019 / 8:48 am

    I think it's really important for couples to be on the same page…especially when it comes to budgets! It's pretty wild to me that the average wedding costs that much! Ours was SUPER low key and I don't even know if we spent more than 5k or not…haha. We decided we would rather splurge on the honeymoon 🙂 But that's what worked for us and at the end of the day it depends on what the couple agreed on together!

    • September 24, 2019 / 10:44 am

      I agree the $90k average cost here is NUTS. However, that money feeds the economy so if people want to pay that much or way more good on them!

  14. rachelritlop1
    September 19, 2019 / 9:02 am

    haha this has so many great tips!! It can be a lot ot find a middle ground but these help so much!!

    • September 24, 2019 / 10:44 am

      Thanks Rachel!

  15. September 19, 2019 / 9:30 am

    The title of this blog post made be laugh. We saved a lot of money by having our wedding reception at my husband's grandparents barn.

    • September 24, 2019 / 10:45 am

      That's amazing! We have a friend who owns a barn and offered the space to us, but it just didn't work due to being very far away from our home and all of our friends and family. Still, a barn sounds like a magnificent place for a wedding!!

  16. thesmalladventurer
    September 19, 2019 / 9:55 am

    This post is full of such great advice! Agreeing on a budget has to be one of the most IMPORTANT parts of planning a wedding, for sure. My partner and I go back and forth between wanting a lush wedding as we've had rough lives, but also knowing that it's not about money and we could save on the wedding and use the money to travel instead. We're still a while away from having to make any decisions, but I love that we're already talking about it as it should help when that time comes around!

    • September 24, 2019 / 10:47 am

      Love that you're talking about it now. One of our biggest discussions when it came to the larger expenses was, are we really going to regret not doing this on the wedding day? Or will we even notice that it's not there. There are so many things we skipped having that I'm glad we skipped.

  17. September 19, 2019 / 9:55 am

    There are some really excellent tips here. Doing research and having the chat before spending any money was key for us. We did have our parents chip in some money, so we started from there, talked about how much we felt comfortable spending, and came up with a number. It all went more smoothly than I expected.

    • September 24, 2019 / 10:48 am

      That's the best outcome you can hope for! So glad it went so well for you, because this should be one of the happiest times in a couple's lives!

  18. September 19, 2019 / 11:18 am

    These are awesome tips. With a big event like a wedding, I personally would get very excited and make some decisions on my own. These questions make you stop to think first before you make a move, I love that aspect.

    • September 24, 2019 / 10:48 am

      Glad to hear it!

  19. Ashley Lavoie
    September 19, 2019 / 12:15 pm

    Great ideas to keep a budget when having a wedding! We did our best to stay on the same page and we managed to have our entire wedding for around $5k and we still got to have a destination wedding in Mexico! Communication is key when planning any big event like this, especially to avoid starting a marriage with secrets of debt or money spent.

    • September 24, 2019 / 10:48 am

      WOW! I'm very impressed. And this just goes to show that a wedding can be amazing without costing much at all.

  20. September 20, 2019 / 9:37 am

    I feel super lucky that my parents paid for our wedding – but these are all REALLY good conversations to have if you are paying for it yourself. And we still did discuss lots of these with my parents because I didn't want them spending more than they were comfortable with!

    • September 24, 2019 / 10:50 am

      Love it! Many of my friends and family who got married in their 20s also had their parents pay for it; some even well into their 30s. If your parents want to help then why not let them?? It's just as much a celebration for them! That sounds really lovely Taylor.

  21. September 20, 2019 / 11:50 am

    I love this! I’ve seen so many couples fight about wedding budget! These are great tips and so important!

    • September 24, 2019 / 10:51 am


  22. September 21, 2019 / 6:33 pm

    These are really great tips for couples! Communication, researching planning and a bit of compromise really goes a long way!

    • September 24, 2019 / 10:51 am

      You've said it so well.

  23. September 21, 2019 / 6:53 pm

    I love the honeymoon fund idea! I definitely think creating a relaxed environment is best before chatting about something that could be one of your biggest potential costs pre marriage 🙂

    • September 24, 2019 / 10:51 am

      The honeymoon fund is the best thing ever, let me tell you!

  24. mariahevely
    September 21, 2019 / 10:58 pm

    Oh! I'm pinning this to my Pinterest wedding board. Great tips!

    • September 24, 2019 / 10:53 am

      Thank you so much!!

  25. September 23, 2019 / 1:36 pm

    Gah, the costs of weddings stress me out… and I'm not even engaged! It's one of the reasons why sometimes I feel like I don't want to get married, haha! Still, these are great tips!

    • September 24, 2019 / 10:53 am

      Oh don't let it stop you, it may feel daunting but everything is sure to work out for the best!

  26. Yukti
    September 25, 2019 / 5:30 am

    Great tips on setting wedding that too without breaking the banks. I loved the decor and how sweet those doughnuts look on the wall.

  27. Anna English
    September 25, 2019 / 7:06 am

    This is such an informative post for all the brides-to-be! I love the idea of the honeymoon fund!

  28. September 26, 2019 / 9:15 am

    Such useful tips for those planning a wedding! Setting a budget is so important.

  29. Louella Reese
    September 26, 2019 / 1:52 pm

    This title – I love it!!! Very helpful + useful tips. Great for future brides!

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