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Planning a wedding is a joyful journey, but it can also feel overwhelming—especially when trying to honor both your sacred temple sealing and your financial goals. This guide is here to help you navigate the budgeting process with clarity and confidence, ensuring your special day reflects your values without unnecessary stress.

LDS Prophets and Apostles have long encouraged Latter-day Saints to live within their means and stay out of debt:

♥ President Gordon B. Hinckley: “Look to the condition of your finances. I urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt to the extent possible” (General Conference, October 1998.)

♥ Elder Joseph B. Wirthlin: “Remember this: debt is a form of bondage. It is a financial termite… Some debt—such as for a modest home, expenses for education, perhaps for a needed first car—may be necessary. But never should we enter into financial bondage through consumer debt without carefully weighing the costs” (“Earthly Debts, Heavenly Debts,” Ensign, May 2004.

Building Your Wedding Budget: A Step-by-Step Approach

1. Start with Open Conversations

Begin by discussing finances openly with your fiancé and any family members contributing to the wedding. Understanding who is contributing and how much will provide a clear foundation for your budget.

2. Prioritize Your Expenses

Identify the elements of your wedding that are most important to you as a couple. Whether it's the temple ceremony, photography, or the reception, knowing your priorities will help allocate funds effectively.

3. Research and Allocate Funds

Gather estimates for each aspect of your wedding—venue, attire, catering, etc.—and allocate your budget accordingly. Remember to include a contingency fund for unexpected expenses.

4. Track Your Spending

Utilize budgeting tools or spreadsheets to monitor your expenses. Keeping track will help you stay within your budget and make informed decisions as you plan.

5. Seek Guidance

Don't hesitate to seek advice from trusted friends, family, or financial advisors. Their insights can provide valuable perspectives and help you make sound financial choices.

Tips for Budget-Friendly Planning

• Simplify the Guest List: A smaller guest list can significantly reduce costs for catering and venue size.

• Consider Alternative Venues: Hosting your reception at a family home or community center can be more affordable than traditional venues.

• DIY Decorations: Creating your own centerpieces and décor can add a personal touch while saving money.

• Opt for Digital Invitations: Digital invites can reduce printing and postage costs.

• Borrow or Rent Attire: Consider borrowing accessories or renting attire to cut down on expenses.

Balancing Faith and Finances

Weddings can be expensive, often exceeding what many can afford. This is a reality that many LDS couples face, feeling the need to create a magical wedding regardless of the cost. However, the key to planning an LDS wedding within a set budget is to establish a financial plan for the big day. Although the concept of budgeting for a wedding may not be appealing to LDS couples, it empowers them to manage their expenses effectively.

If the bride's or groom's family is contributing to the wedding costs, having a budget becomes even more essential to ensure everyone is aligned.

While it may be challenging to put restrictions on your dream wedding, it's vital to live within your means to avoid financial stress at the start of your marriage. The fundamental truth is, setting and adhering to a wedding day budget is necessary. A budget assists you in prioritizing your desires, anticipating expenses, and understanding the total cost of your wedding. It prevents you from overspending and provides peace of mind during your LDS wedding planning process.

With so many things all clamoring for your hard-earned money, it’s easy to quickly get in over your head and spend way more than you can afford. A detailed wedding budget helps couples planning their big day to keep things realistic. Remember, the essence of your wedding lies in the sacred commitment you're making. It's okay to make choices that align with your budget and values, even if they differ from traditional expectations. Focus on what truly matters to you and your fiancé, and let that guide your planning decisions.

Want More Budget Help You Can Actually Use?

If you’re looking for practical ways to stretch your wedding dollars without sacrificing the spirit of the day, you’ll love my new resource:

101 Smart Strategies to Save on Your Wedding Without Losing What Matters Most

This quick, faith-filled guide is packed with real-world tips that respect both your values and your wallet. And the best part? If you use just one of the 101 ideas, the book will more than pay for itself—many times over.

Whether you’re looking for big savings or small adjustments, this book will help you plan with purpose, peace, and confidence.

Plan Smarter with Our Free Online LDS Wedding Budget Tool

Ready to create your own wedding budget? As part of the Church of Jesus Christ Wedding Planner, you’ll get access to our easy-to-use, online budget tracker—preloaded with categories for the ceremony, reception, and open houses. It’s fully customizable and shareable with family, so everyone stays on the same page (and in the same price range) and the online budget is FREE!
Sign up to access the LDS Wedding Budget Tool Here →