How to Create a Wedding Budget You’ll Actually Stick To

Planning your wedding is one of the most exciting journeys of your life, but let’s face it – it can also be one of the most expensive. Without a clear budget in place, costs can quickly spiral, and what started as a dream day can become a stressful balancing act.

The good news? With careful planning, prioritisation, and a few simple tools, you can create a wedding budget that works for you – and that you can actually stick to.

1. Understand the typical wedding budget breakdown

While every couple is different, a common way to allocate your wedding budget is as follows:

This is a useful starting point to help you prioritise your spending.

2. Prioritise according to what matters most to you

No two weddings are the same, and your priorities should shape your budget.

• If decor is your passion: You may choose to allocate a larger proportion of your budget to flowers, lighting, and styling. A beautifully styled ceremony and reception can create lasting memories for you and your guests.

• If you’re a foodie: You might decide that catering deserves more of your budget. Splurge-worthy canapés, a gourmet menu, or a stunning wedding cake can make a huge impact.

• If capturing memories is key: Investing in top-quality photography and videography ensures your day is preserved beautifully for years to come.

Flexibility is key. The percentages above are guides, not rules – the important thing is that your budget reflects what matters most to you as a couple.

Photography by Miracle Moments 

3. Factor in a contingency fund

Even the most careful planning can’t predict everything. Prices may change, suppliers may need extra services, or unexpected items may crop up. That’s why it’s wise to:

• Add a 10% contingency to your total budget.

• Treat it as a safety net, not “extra spending money.”

• Consider it a buffer to ensure you don’t have to scramble for funds if something goes over budget.

Planning over several months or years makes this especially important. With a contingency, you can stay calm knowing that small surprises won’t derail your plans.

4. Keep track of all expenses

A budget is only effective if you actively track your spending. Make sure to note:

• What has been paid

• What is due and when

• Which account the payment is coming from

Tools like Google Sheets or Microsoft Excel are perfect for this. You can create your own wedding budget spreadsheet or use pre-made templates to track each category, add due dates, and automatically calculate totals.

Other useful budgeting tools include:

• Bridebook Budget Planner – helps you track expenses, payments, and deadlines in one place.

• Hitched Budget Planner – a simple tool to help couples plan their spending with real-time calculations.

Keeping everything in one place makes it easier to see where your money is going, avoid overspending, and ensure no payments are missed.

5. Break it down by category

Planning a wedding with a budget of £15,000–£20,000? Here’s a practical way to allocate your funds while keeping it realistic and flexible:

Tips for success:

• Adjust the allocation to match your priorities – whether it’s splurging on décor, food, or entertainment.

• Always include a 10% contingency to cover unexpected costs.

• Track all payments and due dates using tools like Google Sheets, Excel, or wedding-specific planners like Bridebook.

6. Use digital tools to simplify budgeting

A few practical tips for using digital tools effectively:

• Automate calculations: Spreadsheets can automatically sum totals and calculate percentages, saving time.

• Set reminders for due dates: Keep track of deposits and balance payments for each supplier.

• Share with your partner: Using cloud-based tools like Google Sheets ensures you both have access and visibility.

• Track your contingency: Have a separate line for your 10% buffer and deduct only when absolutely necessary.

With a clear system, you can avoid last-minute stress and focus on enjoying the planning journey together.

7. Final thoughts

Creating a wedding budget doesn’t have to feel restrictive – it’s a tool that gives you confidence, clarity, and freedom to make decisions that align with your priorities.

Remember:

• Be realistic and honest about costs.

• Include a 10% contingency to cover surprises.

• Track every expense, payment date, and account.

• Adjust the allocation to match what matters most to you.

When you plan thoughtfully, your budget becomes a guide, not a constraint – allowing you to focus on the aspects of your wedding that make your day truly unforgettable.

At Crown Hall Farm, we’re here to help you plan a beautiful lakeside wedding that fits both your vision and your budget. From exclusive hire of our stunning venue to guidance on suppliers and décor, we make planning your dream day as straightforward – and enjoyable – as possible.