Breaking Down Your Wedding Budget

Planning a wedding can feel like trying to solve a beautiful, complicated puzzle. You want everything to be perfect, meaningful, and stress-free. But then there’s the question that quietly sneaks up on you: How much is this all going to cost? If you’re anything like me, the idea of budgeting for your big day might feel overwhelming. But don’t worry - I’m here to walk you through it. We’ll break down the numbers, so you can focus on what really matters - celebrating your love in a way that feels authentic and joyful.

The Wedding Budgeting Guide You’ve Been Waiting For

Let’s start with the basics. A wedding budget isn’t just a list of expenses; it’s a roadmap that helps you make decisions that align with your values and vision. When I first started planning, I found it helpful to think of the budget as a flexible tool, not a rigid rulebook. It’s about prioritising what’s most important to you and your partner, whether that’s the food, the venue, or the music.

Here’s a simple way to approach it:

• List your must-haves: What elements of your wedding day are non-negotiable? Maybe it’s a live band, a particular venue, or a sustainable catering option.

• Estimate costs: Do a little research to get a ballpark figure for each item.

• Allocate funds: Decide how much you WANT to spend. You may not want to blow your life savings and that is a good thing!

• Leave wiggle room: Always set aside a contingency fund for unexpected expenses.

  
  

This approach keeps things manageable and helps you avoid those last-minute panics.

Photography by Pip & Clo

What is a Typical Budget for a Wedding?

What’s the average cost of a wedding these days? The truth is, it varies widely depending on location, guest count, and personal preferences. In the UK, the average wedding can range anywhere from £15,000 to £30,000 or more. But remember, your wedding doesn’t have to fit into an average. It’s your day, and your budget should reflect what feels right for you.

Here’s a rough breakdown of where that money often goes:

1. Venue and catering: Usually the biggest chunk, often around 40-50% of the budget.

2. Photography and videography: Capturing memories is priceless, but it typically takes up about 10-15%.

3. Attire and accessories: Dresses, suits, and shoes can be 10-15%.

4. Entertainment: Bands, DJs, or other performers might be 5-10%.

5. Flowers and decorations: Around 5-10%.

6. Stationery and invitations: Usually 2-5%.

7. Miscellaneous: Transport, favours, and other extras fill in the rest.

   
   

Knowing these percentages can help you decide where to splurge and where to save.

Breaking Down Your Wedding Budget: Practical Tips and Tricks

Now, let’s get into the nitty-gritty of how to actually divide your budget. I found that the best way to stay sane is to be intentional with where you're putting your money. Here’s how I recommend doing it:

1. Prioritise Your Values

What matters most to you? If you’re passionate about sustainability, maybe you want to invest more in eco-friendly vendors or locally sourced food. If creating a warm, intimate atmosphere is key, perhaps the venue and décor get a bigger slice of the pie.

2. Get Quotes Early

Don’t be shy about asking vendors for detailed quotes upfront. Some things (like marquee and furniture hire end up being significantly more than orginally quoted, due to last min add ons). This helps you avoid surprises and gives you a clearer picture of what’s realistic.

3. DIY Where It Makes Sense

Some things are perfect for a personal touch. Handmade invitations, simple floral arrangements, or even a playlist you curate yourself can save money and add meaning. Ask your family and friends for help. Your guests might love to share their skills or talent for your special day.

4. Keep Track

Use a spreadsheet or a budgeting app to log every expense (and future expense - i.e remainder payments). It’s keeps you accountable and lowers anxiety .

5. Consider Off-Peak Dates

If your schedule is flexible, choosing a weekday or off-season date can significantly reduce venue and supplier costs.

6. Don’t Forget the Hidden Costs

Remember to include things like VAT, travel fees, delivery fees. These little extras can add up quickly.

By following these steps, you’ll feel more in control and less stressed as the big day approaches.

Photography by Rach Elizabeth

How to Use a Wedding Budget Calculator to Your Advantage

I spent a long time creating the perfect FREE Wedding Budget Planner template so you can get an idea of what things cost and stay in control of your spending. Download it here.

Here’s why it’s so helpful:

• Comprehensive categories: It covers the basics, you just remove / add what is relevant to you.

• Customisable: You can adjust it to fit your unique wedding style and priorities.

• Stress reduction: Knowing you have a plan reduces anxiety and keeps you focused on the joy of the day.

  
  

Using a tool like this can transform budgeting from a chore into an empowering part of your wedding journey.

Making Your Wedding Budget Work for You

At the end of the day, your wedding budget is a reflection of your love story and your values. It’s not about spending the most money but about spending it meaningfully. Here are a few final thoughts to keep in mind:

• Be kind to yourself: Budgeting is a learning process. It’s okay to adjust as you go.

• Communicate openly: Make sure you and your partner are on the same page about money.

• Focus on experiences: Guests will remember the atmosphere and love, not the price tag.

• Celebrate small wins: Every time you stick to your budget (or some under budget!), give yourself a little cheer.

  
  

Remember, the goal is a joyful, stress-free day that feels true to who you are. With a thoughtful approach to your wedding budget, you’re well on your way to making that happen.

I hope this guide has given you some clarity and confidence. Your wedding day is a beautiful beginning - and managing your budget with care is just the first step in creating memories that will last a lifetime.

Jess

P.s Download the FREE Wedding Budget Calculator here