Engagement season just finished, and you may be starting to plan your wedding this month, or maybe have been for awhile. Regardless of where you’re starting in your planning, weddings can be stressful. Many articles don’t give a clear picture on how much weddings really cost, and where to start. Here are a few things to consider for planning your wedding and how to save a bit of money on the way.

Plan For the Off Seasons

When you think of your wedding day, your mind may not go straight to winter, but off season weddings are a great starting place for saving money. Venues may offer different rates for off season events. In warmer states off season can end up being the summer months so always ask ahead, but weather you’re planning for July or January, aiming for the slower months can keep your costs down. If a winter wedding is in your future, always make sure your venue has a plan B in case of bad weather, or plan on getting married inside from the get-go.

Guest Travels May be Cheaper in the off seasons

If your guest list is coming from out of town, a winter wedding may be a cheaper option for them as well. January, and February are typically cheaper for flying and hotels. Giving your guests the option of cheaper travel is always helpful, instead of trying to travel during peak seasons.

Get Married Close to Home

Rural locations that you find close to home are far less expensive than big-city or destination weddings. Getting married in town in a great option for saving money on your wedding day.

Use in Season Flowers

There are not as many in season flowers in the colder months, so if you have your eyes on a bouquet full of spring blooms you’ll be paying twice as much for that arrangement. There are plenty of winter blooms that are both unique and beautiful. Ask your local florist what flowers are in season to help you stay on budget.

Helping You Pay for Your Special Day

You may be asking, who’s going to pay for this?  Unfortunately for the happy couple, the days of expecting the parents of the bride to foot the entire bill are somewhat over.  Increasingly, wedding costs are divided among any family members from either side who are willing to “pitch in,” but the bride and groom have been picking up more of the tab in recent years. With the possibility of paying for some of your wedding day yourself, staying on budget is important. Plan to ditch the credit card. Credit cards are a very common way to pay for weddings, but your credit union may have better loan options, so check with us first. If you do use a credit card, be sure the interest rate isn’t too high.  If you put an $18,000 wedding on a credit card with a 16% interest rate, it will take 10 years of $300 payments to pay off.

Your wedding day should be one of the happiest day of your life, so don’t let the money stress you out with planning your wedding day. Stay on budget, find ways to save money like planning a winter event and focus on what matters most to you.

*The information above is not meant to be and is not financial advice. CTCU provides financial education and tips only. This information is not the advice of a paid certified financial adviser.

* Financing subject to credit approval.federally-insured-icons

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