Wedding Season Survival Guide

Weddings are full of joy, but they can also come with a big price tag.

And it’s not just the couple footing the bill. Parents, wedding party members and even guests often find themselves spending hundreds, or even thousands. Travel, gifts, outfits and events costs add up quickly. When wedding season overlaps with vacations, back-to-school or other life expenses, the financial pressure can spill over.

Celebrating a wedding shouldn’t mean sacrificing your savings or going into debt.

This guide offers smart money tips to help you enjoy the moment without sweating over your finances. Inside, you’ll find practical ways to manage the costs, stay on budget and support your loved ones.

I’m getting married: how do we budget for the big day?

You’ve said yes. You’re planning the moment you’ve been dreaming about. But now come the expenses like venue deposits, dress fittings, catering quotes and photographer packages. It adds up fast.

Before you know it, your “simple celebration” starts inching toward a number that makes your stomach drop. And you’re not alone. The average wedding in the U.S. costs $33,000, according to Nerdwallet.

Without a clear, thoughtful budget, it’s easy to overspend in the moment and feel the financial stress long after the honeymoon ends. A little planning now can help protect your peace of mind and start your next chapter on solid financial ground.

Smart money tips for the happy couple:

• Start with your total number. Before booking anything, sit down together and decide how much you can realistically spend, as a couple and with any family contributions.
• Categorize your spending. Break down your budget into must-haves (venue, food attire), nice-to-haves (photobooth, floral upgrades), and negotiables (favors, printed programs).
• Create a buffer. Build in a 5-10% cushion for unexpected costs like vendor tips, overtime fees or last-minute add-ons.
• Use smart savings tools. Open a separate savings account just for wedding expenses to keep spending organized. A high-yield account can help your savings grow a bit while you plan.
• Think beyond the wedding day. Plan ahead for honeymoon costs, future housing expenses and potential name change fees. A joint financial check-in post-wedding is also a great habit to start your next chapter.

I’m helping pay: how can I contribute without overspending?

Seeing someone you love walk down the aisle can be one of life’s most meaningful milestones. Whether you’re a parent, grandparent or close family member, you may want to help make the day everything they’ve dreamed of.

But when the bills start stacking up, it’s easy to feel torn between wanting to give generously and needing to protect your own financial well-being.

According to The Knot, parents contribute an average of 51% of total wedding costs. Your generosity can quickly turn into a five-figure commitment, and it shouldn’t come at the expense of your financial health. With a little planning and open conversation, you can support the celebration without sidelining your retirement goals or long-term peace of mind.

Smart money tips for parents and family members:

• Start with an honest look at your finances. Review your monthly budget and long-term goals (like retirement or debt repayment) before committing a number.
• Define what you can give. Whether it's a dollar amount or covering specific costs (like the rehearsal dinner or dress), communicate clearly with your loved ones.
• Separate wedding savings. Use a dedicated savings account, certificate of deposit (CD) or automatic transfers to spread out your contributions over time.
• Avoid using debt. It may feel generous to help in the moment, but credit card interest or loan payments later can undercut your own financial stability.
• Talk openly. Have the budget talk early. Many couples welcome the help, but don’t expect it to come at the expense of your peace of mind.

I’m in the wedding party: how do I handle the costs?

Being asked to stand beside a close friend or family member on their big day is a huge honor. But don’t overlook the price tag. From plane tickets and gifts to bachelor or bachelorette parties and pre-wedding events, the spending can add up quickly.

According to Brides, bridesmaids can spend a cool $1,500 on travel, gifts, hair and makeup, attire and events. Up to 50% of the entire wedding party incurs debt to cover the costs. If you’re joining the party, it’s important to be thoughtful about what you say “yes” to and plan ahead so you’re not left scrambling to cover a credit card bill later.

Smart money tips for the wedding party:

• List out all expected costs. Include your outfit, travel, lodging, pre-wedding events and gifts. A full picture helps you budget more accurately.
• Set a monthly savings goal. Break up costs over the months leading to the wedding so you’re not scrambling last-minute.
• Say yes to what you can afford. It’s okay to skip a second bachelorette trip or opt out of luxury accommodations if it stretches your budget.
• Coordinate group gifts. Consider pitching in with others for a shared present, or offering a personal gesture that fits your budget.
• Lean on deals and reusables. Rent attire or repurpose what you already have. Loyalty programs and cashback tools can help trim costs.

I’m a guest: how can I celebrate without overwhelming my budget?

The invitation arrives, and you’re thrilled to be included. But then come the decisions. What to wear? Where to stay? How much to spend on a gift? Add in travel and time off work, and even a one-day celebration can carry a hefty price tag.

According to The Knot, the average wedding guest spends about $610 per event. That’s no small amount, especially when multiple invites roll in during peak season. The good news? With a little planning, you can show up, celebrate and stay financially grounded.

Smart money tips for wedding guests:

• Estimate your all-in cost. Think beyond the gift: include travel, lodging, attire, meals and transportation.
• Plan ahead for travel. Book early to get the best rates. Look into shared housing with other guests or redeem travel rewards if you have them.
• Set a gift budget that works for you. Registry filters help you find thoughtful options in your price range. Or give cash with a heartfelt note.
• Reuse and refresh. If you have multiple weddings, rewear outfits with simple tweaks like new accessories or a different jacket.
• Limit impulse expenses. Avoid last-minute splurges by setting your budget early and sticking to it.

Need help budgeting for an upcoming wedding?

Stop by your local Comerica Banking Center to talk with a banker. We can help you determine your budget, explore smart savings options and enjoy wedding season.