A guest blog by Karen Hackman, Finance Coach for Couples
Photo by Ky Nang on Unsplash

---

Planning your wedding should be an exciting and joyful experience, but with so many details to consider, it can quickly become overwhelming.

This guide is designed to simplify the process, breaking it down into clear, manageable steps so you can plan your dream wedding with confidence. Whether you’re opting for a DIY approach or just want to stay organised, this blog covers everything from budgeting and guest lists to choosing the perfect venue and creating lasting memories.

Read on to make wedding planning stress-free and fun!

Give Yourselves Plenty of Time

The more time you give yourselves to plan, the smoother the process will be. Extra time allows you to make informed decisions, compare vendors, gather references, and feel confident about your choices. It also reduces stress and last-minute scrambling.

Get Organised

Staying organised is crucial when planning your own wedding. Use tools such as:

• Checklists and spreadsheets
• Wedding planning apps
• Google Sheets for collaborative planning
• Traditional notebooks or wedding planners

Stay on Top of Your Wedding Budget

Setting a budget is one of the most important steps in wedding planning. Consider:

• How much money you have saved
• How much you can contribute monthly
• Any contributions from family

Once you set a budget, reduce it by 15% to create a buffer for unexpected costs—because there will be surprises! (For example, wedding dress alterations often cost more than expected!)

For any couples planning a church wedding, Karen has a simple wedding expense tracker on her website which you might find useful. We’d love to see this developed so everyone can use it!

Wedding costs can add up quickly, and keeping track of them ensures you won’t face any last-minute financial shocks.

Imagine the relief of knowing exactly where your money is going—no more unexpected bills or difficult conversations about overspending. By tracking them in a spreadsheet you’ll stay in control, make smart decisions, and focus on creating the wedding of your dreams without the stress of financial uncertainty.

A weekly check-in with your partner to review expenses and adjust plans can also be a great way to stay on track and ensure you’re both aligned on your vision and budget.

Ask for Recommendations and Reviews

Finding the right wedding suppliers can make all the difference in ensuring your big day runs smoothly. Ask recently married friends, family, or colleagues for recommendations—they can provide invaluable insights on suppliers they loved (or ones to avoid!). Online reviews and wedding forums are also great resources for discovering reliable vendors.

Don’t be afraid to reach out to multiple suppliers, ask questions, and request references. Comparing options will help you make informed decisions and give you confidence that you’re working with professionals who align with your vision and budget. The right team will help bring your dream wedding to life, so take your time and choose wisely!

Prioritise Key Wedding Details

Sit down with your partner and decide on the most important aspects of your wedding, such as:

• Date: Spring, summer, autumn, or winter? Consider the weather!
• Day of the week: Weekdays are often more affordable than Saturdays.
• Time of day: Morning or afternoon ceremony?
• Venue: One location for both ceremony and reception, or separate venues?
• Photography: Any specific photographer in mind?
• Music: DJ or live band?
• Guest List: Ensure key guests (especially those travelling) can attend your chosen date.

Creating Your Guest List

The number of guests will significantly impact your budget. Start by listing immediate family and close friends, then expand from there. If your parents are contributing financially, they may want to invite some of their friends—something to discuss in advance.

Decide whether you want children at the wedding, as this can influence guest numbers and seating plans. If you opt for an adults-only event, be prepared for some guests to decline.

Communication is Key

Clear communication with your partner, family, and vendors will prevent misunderstandings. Over-communicate rather than assume, and don’t hesitate to ask questions.

Don’t Be Afraid to Ask Questions

Write down any questions you have—no matter how small. Whether it’s about contracts, vendor commitments, or wedding etiquette, getting clarity will help you avoid surprises.

Speaking of contracts—always read them carefully before signing, and if possible, have a trusted friend or family member review them too.

Choose Your Wedding Party

While not essential, many couples choose to have a wedding party to support them throughout the planning process and on the big day. Bridesmaids, groomsmen, or even a simple maid of honour and best man can add to the experience.

Set Up a Wedding Registry

Even if you prefer guests to donate to a charity, many will still want to give you a gift. Creating a registry early gives guests plenty of time to choose something meaningful for you.

Build a Wedding Website

The introduction of a wedding website has been such a game changer in recent years. It’s a great place to view all key details—date, venue, dress code, transport, hotels with just one click! You can also use it to share your engagement photos. Just remember to update it regularly!

Consider Wedding Insurance

Wedding insurance can protect against unexpected disruptions, including:

• Cancellations due to vendor failures or venue issues
• Loss or damage to rings, gifts, attire, or decorations
• Illness or injury affecting the couple or close family members
• Extreme weather causing delays or venue changes

It’s wise to purchase insurance as soon as you start making significant bookings.

Consider a Prenuptial Agreement

Though not the most romantic topic, a prenuptial agreement can provide financial clarity and protection, particularly for couples with significant assets, businesses, or children from previous relationships. It encourages open discussions about financial expectations and responsibilities.

Have Honest Money Conversations

Financial disagreements are a leading cause of marital stress. Use this time to discuss financial goals, spending habits, and how you’ll handle joint finances.

Read more in my blog: 10 Money Questions to Ask Your Partner Before Marriage.

Plan Your Honeymoon

After the excitement of the wedding, a honeymoon offers a well-deserved break. Whether you plan a grand getaway or a simple mini-moon, take time to consider your ideal honeymoon experience.

Keep Perspective & Enjoy the Process

Wedding planning should be fun! While details are important, don’t let them overshadow the joy of your engagement. Take deep breaths, enjoy the journey, and remember that the most important thing is celebrating your love.

---

If you’d like personalised guidance on financial planning as a married couple, get in touch to learn more about my coaching programme: Discover Financial Success as a Married Couple. Let’s chat and set up a complimentary call this week!

Karen Hackman
Finance Coach for couples
hello@moneyandmarriage.net
www.moneyandmarriage.net