The location of the ceremony will determine the cost and who is paying for it. If your ceremony is at the same place as your reception, whoever is handling that would cover any ceremony fees as well. An exception here – the groom’s parents are responsible for paying the officiant. If the ceremony is in a church or place of worship, then the groom’s parents or the bride and groom will be responsible for making a donation and paying the Pastor or Priest. This should be decided beforehand so the officiant can be paid that day. Ceremony decorations, flowers, musicians, and wedding programs should be covered by the bride or the bride’s parents. Don’t forget to tip any musicians as well as the officiant.
The most costly part of the wedding typically is the reception. That’s because the reception often consists of a cocktail hour, dinner, lavish decor, music, and more. Food will be especially costly, as you pay per head. This is the portion you don’t want to skimp on. Traditionally, the wedding reception is paid for by the parents of the bride. However, if you will be paying for your own wedding reception, planning your finances ahead of time will be important.
Saving for this day in advance will help your budget immensely. If you haven’t been saving, now is the time to look at your finances and see where you can start cutting back. Once you figure out how much your wedding will cost, you can seek alternative funding options. For example, if you and your future spouse already own a home look into a home equity line of credit. You can use your home’s equity for cash funds to help with wedding expenses. This is a great option because you can borrow against your home’s equity, get it in a lump sum of cash and pay it back over time.