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How to Plan a Wedding on a Budget: The Ultimate Guide

Writer: Smart With Money TeamSmart With Money Team

Planning a wedding can be one of the most exciting times of your life, but it can also be expensive. The good news is that you can have a beautiful wedding without breaking the bank. With careful planning and smart choices, you can cut costs while still creating a memorable day. Here’s a step-by-step guide to planning a wedding on a budget.


A couple planning a wedding on a budget with a checklist and calculator

Step 1: Set a Realistic Budget


Before making any decisions, determine how much you can afford to spend. A realistic budget will help guide all your planning decisions. Consider:


  • How much you and your partner can contribute.


  • Whether family members will help financially.


  • Prioritising key expenses (e.g., venue, food, photography).


Once you have a figure in mind, break it down into categories such as venue, catering, dress, and entertainment.


Step 2: Choose an Affordable Wedding Venue


The venue is often the biggest expense, but there are ways to save:


  • Opt for off-peak seasons – Venues often charge less for weddings outside of peak summer months.


  • Choose a weekday – Saturday weddings are the most expensive; weekdays or Sundays can be cheaper.


  • Consider non-traditional venues – Parks, community halls, or even a family home can serve as beautiful locations.


  • Look for all-inclusive venues – Some venues provide catering, chairs, and decorations in one package, saving money.


Step 3: Save on Wedding Attire


Wedding attire can be costly, but there are ways to keep costs low:


  • Buy pre-loved dresses – Websites like Stillwhite or charity bridal shops offer designer dresses at a fraction of the price.


  • Consider high-street brands – Many retailers now offer elegant wedding dresses at budget-friendly prices.


  • Rent your dress or suit – If you don’t plan to keep it, renting can be a much cheaper option.


  • Simplify accessories – Borrow jewellery or opt for affordable alternatives.


Step 4: Cut Catering Costs


Food and drink can take up a significant portion of your budget. To save:


  • Choose a buffet or food trucks instead of a formal sit-down meal.


  • Limit the guest list – Fewer people mean lower catering costs.


  • Provide your own alcohol if the venue allows it and avoid expensive bar tabs.


  • Skip the wedding cake or go for a simple option – A small decorated cake with extra sheet cakes for guests can be cost-effective.


Step 5: Budget-Friendly Wedding Decorations


Decor can quickly add up, but DIY and simple solutions can look just as stunning:


  • DIY centrepieces – Use candles, fairy lights, or fresh greenery instead of expensive floral arrangements.


  • Borrow decorations – Ask friends or check local wedding resale groups.


  • Buy second-hand – Many couples sell their wedding decor online after their big day.


  • Use digital invitations – Save money on printed invitations by sending e-vites.


Step 6: Affordable Entertainment Options


  • Hire a local DJ or musician instead of a full band.


  • Create a playlist and use a Bluetooth speaker for the reception.


  • Ask a friend to be the MC instead of hiring an entertainer.


  • Limit reception entertainment – Instead of multiple costly acts, focus on one main attraction, like a dance floor or photo booth.


Step 7: Photography and Videography on a Budget


Capturing memories is important, but there are budget-friendly options:


  • Hire a student photographer – Many talented students offer lower rates.


  • Book a shorter photography package – Instead of all-day coverage, opt for ceremony and couple portraits only.


  • Use guest photos – Encourage guests to take photos and share them in a digital album.


Common Questions About Budget Wedding Planning


1. What is the cheapest way to plan a wedding?


The cheapest way to plan a wedding is to keep it small, choose a free or low-cost venue, use DIY decorations, and limit catering expenses.


2. How much should I budget for a wedding?


The average UK wedding costs around £18,000, but a well-planned budget wedding can be done for much less – even under £5,000.


3. How can I save money on my wedding venue?


Consider a weekday wedding, a community hall, or even a backyard ceremony to avoid high venue costs.


4. Should I have a big or small wedding on a budget?


A smaller wedding is always easier to keep within budget. Fewer guests mean lower costs for catering, venue size, and decor.


5. How can I cut costs on wedding food and drinks?


Opt for buffets, food trucks, and self-service bars instead of a full catering service to save money.


Final Thoughts


A wedding doesn’t have to be expensive to be beautiful. With careful planning, creative solutions, and a willingness to think outside the box, you can plan a stunning wedding on a budget. Prioritise what truly matters, cut unnecessary costs, and make the day uniquely yours without overspending.


If you’re looking for more money-saving tips, check out our other budgeting guides to help you make the most of your finances.



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Additionally, all content provided on SmartWithMoney.co.uk is for informational purposes only and does not constitute financial advice. Please seek independent financial advice before making any financial decisions.

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