Wedding Budget 101: Where to Spend vs. Save

Why Your Wedding Budget Matters

Starting your wedding planning with a realistic wedding budget is the first step to a stress-free celebration. Whether you’re saving for a dream honeymoon or a first home, it’s important to stay in control and focus your resources for maximum joy.

Spend vs Save: Where Should Your Dollar Go?

Where to Spend:

• Photography & Videography: Memories last forever—don’t skimp on capturing them! Hire a professional whose work you love.
• Venue: The backdrop for your love story sets the tone. Check our top Niagara wedding venues for 2025/26!
• Food & Beverage: A great meal makes guests feel valued and creates a lasting impression.
• Day-Of Coordinator: Investing in on-the-day management allows you and your loved ones to enjoy every moment.

Where to Save:

• Invitations: Consider digital invites or DIY options to cut costs without losing style.
• Favours: Meaningful, simple tokens or edible favours please guests (and your budget).
• Decor: Repurpose ceremony florals for your reception and opt for in-season blooms to save on wedding flower costs.
• Dresses & Attire: Sample sales and rental shops can help you stay within budget on wedding attire.

Expert Budgeting Tips

• Download our FREE Wedding Budget Starter Guide below!
• Prioritize 2–3 “must-have” elements—allocate more budget there!
• Set up a dedicated wedding account to track spending.
• Request transparent pricing from all vendors.
• Build in a 10–15% contingency fund for unexpected costs.
• Track expenses weekly to stay accountable to your goals.

Wedding Budget Myths—Busted!

Myth: “You need to spend 10% of your income on your wedding”

Reality: Your wedding budget should reflect your priorities and financial situation. Some couples spend 5%, others 20%—what matters is staying comfortable with your choice.

Myth: “DIY always saves money”

Reality: DIY can save money, but factor in your time, stress, and materials. Sometimes hiring a pro is more cost-effective in the long run.

Myth: “Weddings have to be expensive to be beautiful”

Reality: Smart choices, seasonal flowers, and prioritizing what matters most to you can create stunning celebrations on any budget.

Wedding Budget FAQ

What’s a realistic wedding budget for Ontario couples in 2025?

The average Ontario wedding ranges from $25,000–$45,000, but beautiful celebrations happen at every price point. Focus on what brings you joy, not industry averages.

How do we start creating our wedding budget?

Start with your total available funds, then list your priorities in order. Allocate percentages: venue (40–50%), catering (25–35%), photography (8–15%), etc. Adjust based on what matters most to you.

Should we hire a wedding planner if we’re on a tight budget?

A day-of coordinator can actually save you money by preventing costly mistakes and managing timelines. Many planners offer partial planning services that fit various budgets.

When should we start saving for our wedding?

Start saving as soon as you’re engaged, if possible. Most couples plan 12–18 months in advance, so you have time to save gradually rather than take on debt.

How do we handle family contributions to our wedding budget?

Have honest conversations early about contributions and expectations. Create a clear understanding of who pays for what to avoid misunderstandings later.

Real Couple Success Story

Sarah and Jake from Burlington wanted a $30,000 wedding but needed to stay closer to $20,000. By choosing an off-season venue, focusing their budget on photography and food, and DIY-ing their invitations, they created their dream day while staying on track for their house savings goal. “We didn’t miss anything we cut—we just focused on what mattered most to us,” says Sarah.