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Wedding Planning 101 Lesson 2

Updated on June 7, 2010

In wedding planning there are many factors that affect the planning process. One of the main issues that can determine the tone and appearance of the wedding is finance. Money can make or break a wedding. Conflicts and arguments about money and how money is allocated can change a happy occasion to a stress filled fight fest. The key in preventing adverse reactions is to concentrate on what you plan to achieve, a beautiful wedding.

Step 1

Establish a budget

This is the key point in handling your wedding finances. By first establishing a budget you are setting perimeters to work within. Now by this point you have already established a good idea of what you wish your wedding to look like. So the key is finding a way to make your dreams meet the reality.

Step 2

Where will the money come from?

Traditionally the bride's family is responsible for the majority of the wedding. In many cases the groom's family will contribute as well. The growing trend is that the couple actually end up footing the majority of the bill. In this day and age, more and more couples are marrying later in life and after they have a had children. The trick in planning a wedding in this circumstance is setting aside funds to meet your wedding goals.

Many financial experts agree that a couple should have 3-6 bank accounts. Each spouse should have a checking and savings account in which they pay their personal expenses what ever they may be and then the couple should have a joint check and savings. The family checking account is where the couple should pay their family expenses and the family savings account should be where the family saves for vacations, wedding or and major purchases.

Whatever your budget is and where ever your funds may come from the idea is setting the financial boundaries and allocating the money properly

Step 3

Allocating the funds

Here's another area where communication is important in the planning process. This is where you and your spouse or you and your wedding planner really need to sit down and make sure your ideal wedding is within your budget. But as I said communication is key. You must decide what are the key points that you want to focus on in your wedding. If you wish to have a low key or a informal wedding than you may not wish to allocate nearly as much money for a wedding dress as you would for a highly formal affair. Consider this as well, if you plan to get married in a garden or a highly sonic area then you will not wish to spend nearly as much on decor. Or if you are wearing a very long dress then you may just wish to invest in some cute comfortable shoes verses highly decorative shoes. The point here is understanding the type of wedding you wish to have and were the money should be allocated.

Now remember the idea of the budget is to keep you from spending frivolously, but there are always ways to cut cost here and there. The key is just sit down with your wedding planning folder or website and establish your budget. It will give you a clear idea of what you need and what you can afford.

Step 4

You better shop around...

The average wedding cost some where around $25,000 but there are some people that have weddings at about $5000 and even lower than that. No matter what your budget may be, it is good to shop around. You will want to look around see what deals there are available. You will want to take the time to find the perfect dress, venue or cake to fit your wedding dream.

A good start

Your budget will start to breath life into your wedding plans. Your budget is a great way to find out what you can save, what you can afford, and how you wish the money to be spent. This is another great way to set the date if you are still unsure of your wedding date. If you know how much you can save and the time frame that you can save it, then you have a great platform to figure out your date. Your budget is another great tool to discuss with your spouse how both of you envision your wedding. Your budget is also a great way to decide how involved your parents may or may not be in the planning process. Typically if your parents pay they may want to have some input on how the funds are distributed.But again this leads back to the all important dialog.


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