Planning an engagement and wedding can be exciting, but the costs can add up fast.
Fortunately, with a few thoughtful choices, you can celebrate meaningfully without breaking the bank.
Engagement Savings
When it comes to the engagement ring, you don’t have to follow traditional expectations. Opting for alternative stones like moissanite or sapphires instead of diamonds can save thousands without sacrificing beauty. Online jewelers such as Brilliant Earth or James Allen often offer better prices than brick-and-mortar stores. Shopping during off-peak months like January or July can also lead to better deals.
Another money-saving move is to shop for the ring together. This ensures you stay within budget, avoid costly resizing, and choose something you both love. And when it comes to the proposal, remember that meaningful doesn’t have to mean expensive. A heartfelt, private moment can be far more memorable than a flashy spectacle.
Wedding Savings
Weddings are often the largest expense in the process, but they don’t have to be. One of the most effective ways to cut costs is by choosing an off-season date or hosting your wedding on a weekday. Venues and vendors are typically much cheaper outside of the busy season. If you’re open to it, consider hosting the event at a family home, in a public park, or renting an Airbnb. Keeping both the ceremony and reception at the same location can simplify logistics and reduce costs.
The guest list has a huge impact on your budget. Smaller weddings are not only more personal but also more affordable, as you’ll spend less on food, drinks, seating, and party favors. Speaking of food, consider going with a buffet, food trucks, or even a potluck if your family and friends are willing. Limiting alcohol options to beer and wine — or opting for a self-serve bar — can also lead to significant savings.
When it comes to attire, look for secondhand wedding dresses or shop sample sales. Sites like Stillwhite and Poshmark offer beautiful options at a fraction of the retail price. Bridesmaids and groomsmen can often rent or rewear clothing they already own.
Decor doesn’t need to be extravagant. A few candles, string lights, or potted plants can set a beautiful atmosphere without costing much. Focus on using local, in-season flowers, or go for a greenery-based look. Renting decor or borrowing items from recently married friends is another great way to save. You can even DIY elements like centerpieces or signage with a little creativity and some help from Pinterest or YouTube.
Photography is one of the few areas many couples prioritize, but even here, there are ways to be smart. Consider hiring a talented student or up-and-coming photographer who may offer lower rates. For music, if you don’t need a live band or professional DJ, a well-curated playlist and rented sound system can work just as well.
Finally, invitations and favors can be streamlined. Digital invitations through platforms like Zola or Paperless Post save on both printing and postage. And if you’re looking to cut costs further, it’s perfectly okay to skip wedding favors — most guests won’t notice. If you do want to give something, stick to simple edible gifts or practical items you can make in bulk.
Smart Budgeting
Start with a clear budget and decide early on what matters most to you.
For some, that might be photography; for others, food or the venue. Track every expense in a spreadsheet to avoid surprises and build in a small cushion for last-minute costs.
Be cautious of the so-called “wedding tax” — when reaching out to vendors, refer to your event as a “family gathering” or “celebration” during initial inquiries to get a sense of their base pricing.
With the right mindset and some creativity, you can absolutely have a beautiful, meaningful engagement and wedding without overspending.
If you’d like, I can also help you create a personalized wedding budget or checklist to keep everything on track.
