Catalog
First clarify the financial bottom line before starting to prepare for the wedding
Focus the budget on the wedding elements that matter most to you
Remember to set aside 10-15% as an emergency fund
Develop a good habit of checking the budget monthly
Distinguish between necessary expenses and vanity projects
Use an electronic spreadsheet to record every wedding expense
At least compare quotes from three suppliers
Set mobile reminders to update spending records at any time
Break down the annual budget into weekly spending limits
List detailed items to avoid missing hidden expenditures
Choose DIY projects according to your capabilities
Buy decorative materials at wholesale markets to save half
Look for affordable alternatives on Xiaohongshu
Community activity centers are 80% cheaper than hotels
Homemade dessert tables yield results comparable to professional teams
Use travel souvenirs to create unique table cards
Preparing for a wedding without preparation is most likely to fail. It is recommended that couples first clarify their financial situation, listing savings, parental support, and available funds clearly. If the wedding budget exceeds 50% of your annual income, alarm bells should ring. I have seen too many couples being trapped by the notion of a once-in-a-lifetime event, and in the end, creating conflicts over wedding debts.
It is advisable to conduct a family expense stress test: assuming income is halved for three consecutive months, will the existing budget collapse? Wedding expenses should be approached just like buying a house—it’s important to live within your means, after all, the quality of marriage does not depend on how much you spend on the wedding.
While planning a wedding for a friend last week, I discovered that the bride was fixated on a custom wedding dress, while the groom wanted to hire a jazz band. In the end, they used a point system to allocate the budget, scoring each item to satisfy the sense of ceremony while protecting their wallet.
Key Reminder: Venue decoration is the easiest to overspend! I've seen couples spend 80,000 on a flower wall, while the photo effect is actually quite similar to artificial flowers; saving that money would be enough for a honeymoon in Europe.
Last year when I helped my cousin with the budget, I specifically set aside 20,000 as emergency funds. Two weeks before the wedding, the hotel suddenly charged a maintenance fee for equipment, and that money came in very handy. It’s recommended to keep the emergency fund in a separate account; never mix it with the main budget, otherwise, it’s like puncturing a lifebuoy and using it as a pool ring.
Be cautious of additional fees when signing contracts with suppliers. There have been cases where couples were charged for air conditioning overtime—an extra 500 for every hour after 10 PM—this kind of trap can be avoided with foresight.
I recommend using Tencent Documents to create a shared budget sheet. Every Sunday night, sit down with your partner over bubble tea to reconcile accounts. Last month we discovered we were overspending on photography, so we immediately adjusted the invitation plan—swapping gold-embossed cards for electronic ones, which allowed us to cover the gap with the saved money.
Here’s a little trick: set aside 5% of the total budget as a regret fund. If any item goes over budget, deducting from this is much more dignified than robbing Peter to pay Paul.
Last year at a friend's wedding, I was impressed: she allocated 80% of the budget to the three essential elements of guest experience—venue comfort, food quality, and smooth flow. In contrast, those who spent a lot on 3D invitations found that guests would marvel at them for 5 seconds before tossing them into the trash.
There's a simple judgment method: If this item were canceled, would the wedding still be able to proceed as planned? Switching from a wedding car to a taxi wouldn’t affect the vows, but not having a photographer would truly leave a lifetime of regret.
I recommend trying out the wedding accounting app—I use the Sui Shou Ji app, customized with 20 expense categories, even tracking the price per piece of wedding candies. Recently I discovered a treasure function: scanning receipts to automatically recognize amounts, which is incredibly friendly for brides and grooms who frequent markets.
Last week, I helped a colleague compare eight wedding planning companies, discovering price differences of up to 40%. One vendor quoted 30,000 for venue setup, when it could actually be secured for 18,000—it's key to seize their performance-driven moments, like negotiating towards the end of a fiscal quarter.
Industry Secret: Many vendors leave some margin in the initial consultation prices, and will often reduce their quotes if you casually mention competitor prices when you meet them. I saved 30% on wedding dress rental using this trick last time!
I highly recommend the three-color accounting method: paid items are marked in red, reserved unpaid are yellow, and adjustable items are green. Last month, I discovered we were overspending on flowers, so we immediately swapped customized gift boxes for handmade soaps, thus stopping a loss of 3000 yuan in time.
Bitter Lesson: Never trust \swipe the credit card first and calculate later\! A friend ended up spending 20,000 more due to this, only realizing after the repayment date that their budget had already collapsed.
Break the annual budget down to weekly, just like managing calorie control for fitness. We set a weekly expenditure limit of 5,000 yuan, with any overspending deducted from the next week’s limit. There was one time I found wedding shoes priced at 6,000, but I forced myself to wait until the following week to buy them, only to find the store was offering a discount, and I ended up saving 800.
I suggest that partners manage different accounts: one handles fixed expenses (venue, wedding planning), while the other manages flexible spending (clothing, gifts). This prevents duplicate payments and makes it easy to reconcile at the end of the month.
While selecting a venue, I almost got fooled by the base price, thankfully, I asked a few more questions. One hotel quoted 3,888 per table, but would also add on a 16% service charge, 3,000 electricity fee, and 2,000 cleaning deposit. These additional fees can cause the total price to soar by 40%, so make sure everything is clearly written down before signing.
I discovered a treasure solution: a lunch banquet + afternoon tea instead of a dinner. The menu cost dropped by 40%, and there’s no need to prepare drinks. Last client who used this plan ended up putting the money saved toward an after party, and the guest feedback was actually better.
Previously, when helping my cousin evaluate the feasibility of DIY, I discovered her skills in journaling could easily be transferred to wedding-related tasks. In the end, she created Instagram-style invitations at a cost of just 300 yuan, which looked comparable to a custom item worth thousands. The key is to effectively utilize existing skills without trying to learn complex techniques just for the sake of DIY.
I recommend the Four Seasons Qing Fabric Market in Hangzhou, where the material for custom wedding dresses costs less than a third of mall prices. Last time, I used import satin at 70 yuan per meter, and the train effect achieved was just as good as a brand store's 10,000 yuan model.
Recently, I helped a client transform an old library into a wedding venue, saving 50,000 in rental fees, and the photos ended up blowing up on social media. The secret was to tap into the building's own sense of story, which leaves a stronger memory than a standardized hotel.
The most amazing aspect of a friend's wedding was the family recipe table: each guest brought a signature dish, culminating in a banquet of 30 dishes. The cost was nearly zero, but it created the warmest wedding memory.