4. Set a budget.

Time to analyse your weekly budget. How much disposable income do you have left over at the end of each week, and how much of it are you willing to put away for your wedding? If you have a date in mind, work out how much money this will equal in total from now until your intended date. How does this amount compare with your ‘dream budget’?

If your dream budget is more than your affordability, you do have a few options to keep your debt-free dream alive! Push back the date of your wedding to give you more time to save. If there is room for compromise, cut back on certain things. Boost your budget by selling unused household items, or taking on a second or casual job.

5. Shop around

Shop around for the best price, and don’t be afraid to say no. If you’re willing to do some work yourself, there are many reputable online retailers offering excellent prices. When done properly, DIY projects can save money, and is a great option if you can afford the time. Also, if you have friends who can provide a service (i.e. hair, beauty, dress alterations etc), ask if they can beat the average price and work for cash on your wedding day.

If you’re limited in where you can shop, ask suppliers to negotiate prices and packages. Tell them your budget, and get them to work with you. Midweek packages are much cheaper, and custom decoration or food packages can reduce expenses by taking out the extras you don’t want or need.

6. Pay in regular installments

Paying suppliers regularly over time spreads out the costs. Leaving everything to the last minute will have you reaching for the credit card or loan application. Approach suppliers early, book your date, and ask to pay in installments. Suppliers know that weddings are expensive, and most are happy to write up a payment plan. Put any excess money into a savings account for any incidental and unplanned expenses.

Having a debt-free wedding takes planning and organisation, but it’s worth it. Knowing that everything has been paid for before the ceremony even begins is a nice way to start a marriage!

If you had a debt-free day, what are your tips to newly-engaged couples?

Alisia Cameron is a SAHM and lesbian parent to two girls, and is (finally) marrying her fiancé of 8 years in 2014. She is a trainee yoga teacher, studying early childhood teaching at university, completing an Honours research project examining family diversity in early childhood education settings, and is planning a wedding. In her spare time, she can be found staring into space while wondering if she actually does have spare time, or if she’s just forgotten everything she needs to be doing.

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