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Mrs. Ladyfingers, Saint Petersburg, FL Age and Occupation: 30, Marketing Manager Fiance's Age and Occupation: 33, Sports Writer Engagement Date: December 24, 2010 Wedding Date: November 2011 Venue: Palma Sola Botanical Park About Me: I hail from Oklahoma, he was born and raised in Long Island. Fate brought us together, and now we live in a cute little rental house with our nutty dog, and our aloof cat. We both love to read, watch movies, explore our town, and laugh like hyenas. When I’m not obsessively wedding crafting, I enjoy stalking style and decorating blogs, making collages and painting, napping, thrifting, rearranging our bookshelves, and being a total weirdo with my friends. Hi!
About Mrs. Ladyfingers

I once had high hopes for our ability to produce a relatively low-budget wedding. While $10K is by no means a shoestring affair, it matched what we could put aside and was realistic given the things we wanted to do and how much they cost.

Oh, how naïve and foolish I was to believe I could stick to a budget for something like this. I have a hard enough time not reallocating car-repair money to clothing funds in my own personal monthly budget. It’s no different when it comes to the never-ending multitude of STUFF I’ve ended up putting on my “to buy” list.

Miss Magic had an oh-so-apropos blog post on the topic of justifying random wedding purchases that I immediately identified with. I, like so many others, have been quite guilty of nickel and diming our own expenses. While I don’t subject our joint budget to my daily craft whims, I do keep track of all wedding-related purchases in my Mint.com personal account so that I can look back at the end and get a truly horrifying snapshot of my actual expenditures on pens, paper, wooden numbers, picture frames, antique bottles, fabric, three types of glue…goodness, it never ends.

The Incredible Expanding Budget :  wedding budget saint petersburg Lf1 lf1

Personal screenshot

Now, granted, this amount includes checks written to actual vendors we actually need who are ACTUALLY in the budget. But lots of it does not. Like, oh, the eight trips to Michaels, and the wedding website I swore we didn’t need to pay for (but we get a vanity URL!), and the fabric for the bunting I never planned to make, and the checks for Mr. Ladyfingers’s wedding ring that was SEVEN TIMES the amount I’d originally planned to spend. (He loved it so much—how could I say no?)

The one thing I’m incredibly grateful for is that we’re not going into debt for this. For me, at least, I currently can’t hold credit because I made the very useful move of consolidating all my debt into a bank-backed credit program a few years ago to get my interest rate down. The upside is I’ll be 100% debt free by next summer. The other upside disguised as a downside is that I can’t currently open any new revolving credit lines, nor use what I currently have opened. Fine by me!

So what’s creeped into our budget—and mine—since we originally committed to a hard-and-fast $10K back in January?

  • The venue was more than we’d originally budgeted for, but given that we were saving on invitations (a friend did them as a wedding gift) and photography (a friend of a friend is shooting for hundreds less than a more established pro), and that we get exclusive use of the venue from 9 AM to midnight that day, it was a much better value for our dollar, hands down, than anyplace else we looked. Total over original budget: $1,500
  • The caterer was also more than we’d budgeted for, but it includes all rentals, gratuity, and free wedding coordination, plus a DOC and a rehearsal and ceremony coordinator. And even with all that, it was THOUSANDS less than other caterers in the area. For no apparent reason, either, because our choice is delicious and recently won several “best caterer” awards for the area on a number of wedding websites. Total over original budget: $2,000
  • The flowers crept into our budget last month, after I decided that I’d drive myself and everybody around me insane by doing them myself. I committed to personally putting more aside to meet this expense I chose on my own. Total over original budget: $1,300
  • While our photographer was a total bargain-and-a-half, we ultimately chose to book her for two additional hours so she could shoot the entire event rather than scooting out two hours early and missing cake cutting, garter and bouquet toss, and much more dancing. Total over original budget: $200
  • Then there’s the onslaught of expenses I adamantly refused to spend in the beginning. I added a guestbook, cake topper, and garter, plus the already mentioned crafting projects. Total over original budget: Uh…100%. One hundred percent over my original budget. What that number is, I’ll never tell (possibly).

This was all my own personal choice, however. To avoid budget creep in your own wedding, I’d caution you to learn from my lessons.

  • Step away from the wedding blogs! Or, at the very least, window shop once you’ve committed to your own personal plan. I cannot tell you how many DIY projects—and their associated supplies—have made it onto my list just because I saw them on this blog or that. DON’T DO WHAT I DID.
  • Craft-shop with coupons! Michaels, for one, has so many coupons all the time. I’m not savvy. I would never make it onto one of those “I got 86 boxes of Tide and the store gave me $20 back” shows. Nine times out of ten, I went shopping without a coupon, or failed to plan my purchases around the sales. I easily could have spread one big buy out across five smaller buys to utilize all my coupons…but, no, I did not. DON’T DO WHAT I DID.
  • Take something away for everything you want! I got so hung up on the whole “Well, we’re saving money here so I can spend money here” thing that I failed to notice the things I was adding were far outweighing their cousin savings. DON’T DO WHAT I DID.
  • Step away from Etsy! Seriously. DON’T DO WHAT I DID.

In the end, I’m super excited about all the fun things we’re making and the cute things I’m purchasing. I will in no way regret having the cute custom-made guestbook or the adorable custom cake topper or the vintage-modern-sexy garter. But on the other hand, I truly believe I would not have regretted NOT having those things. I don’t want to be a buzzkill—throw the wedding you want, and if it means you go over budget and you can handle that amount, then by all means go for it. But if you really want to stick to your guns, please. Don’t do what I did. </PSA>

Now I’ve got to add bells and a three-inch hole punch to my “to buy” list because I decided our guests will use bells to send us off. Oops.

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17 Responses to “The Incredible Expanding Budget”

1.
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Guest
smores

I really just want to say that I heart all of your blogs. My heart has a budget that is totally unrelated to my wallet or actual budget, so I’m in agreement with all of this. As much as I love Wedding Bee, every time I come here, my budget starts wailing and nashing it’s teeth. :)

 
2.
merenguito
Member
merenguito (message)  254 posts, Helper bee

Oh yess.. I totally know what you mean,
But the culprit here is mostly my mom too.

“Mom, do we really need glittery foam letters and a funky placemat for each kid at the Kid’s table?”

“But it’s pretty, and they’ll have so much fun”

Add to list : Foam letters and foam placemat

 
3.
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Member
Melini (message)  1,130 posts, Bumble bee

Nice post. I didn’t even know what to budget because I didn’t know stuff cost until I started looking. But once I got quotes and the like from everyone, we had our “budget”. And nonetheless, all the add-ons and things I forgot to put in the budget in the first place, we were off by about 30%. Eek!

 
4.
Mrs. Tartlet
Bee
Mrs. Tartlet (message)  3,207 posts, Sugar bee

All the little things really do add up! I started out in the exact same boat asMelini, and had to re-work our budget once I had a better grasp of how much things truly cost (especially when things like service charges and taxes creep their way in).

 
5.
bRooklynRocks
Member
bRooklynRocks (message)  3,767 posts, Honey bee

Eh well, I honestly don’t know how much we ended up spending. We had a budget which was very very unrealistic once we started shopping. I ended up DIY’ing a lot of stuff by myself but some of them were not that cheap either (read: gocco’ing fun facts to napkins) but all in all, I honestly don’t regret a penny because we didn’t go into debt for it.

 
6.
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Member
mkewed2010 (message)  508 posts, Busy bee

I totally understand what you mean! I have so many unfinished projects (one of which I just tossed in the garbage). I did however make about 100 trips to Michael’s to use those coupons, and I almost regret doing that instead of just buying everyone in one trip. Sometimes time is worth more than money…well maybe not.

 
7.
Mrs. Elephant
Bee
Mrs. Elephant (message)  6,182 posts, Bee Keeper

Good tips! Mr. E thought I was crazy with all of my stops at Michael’s, although I learned to never go without a coupon.

 
8.
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Member
Melini (message)  1,130 posts, Bumble bee

@Mrs. Elephant: I think Weddingbee should make it sticky at the top of the boards…”Michaels ALWAYS has a 40% off coupon on their website!” Luckily, I found this out sooner rather than later in my DIYing.

 
9.
Bee Icon
Bee
Miss Parasol (message)  2,132 posts, Buzzing bee

I can totally relate to the ever-expanding wedding budget, Ladyfingers! When we first started planning, we had a really small guest list, but then that exploded, and so did our budget a little bit. Thankfully we’ve managed to keep it (mostly) under control. :)

 
10.
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Bee
Mrs. Hyena (message)  1,881 posts, Buzzing bee

You’re so right about all those “misc” expenses adding up! Yeesh!

 
11.
kimbee23
Member
kimbee23 (message)  191 posts, Blushing bee

“Step away from Etsy! Seriously!”
I wish that advice would have found me before I started planning…I can browse and find things I “need” but didn’t know I needed! Great advice!

 
12.
Bee Icon
Bee
Miss Pony (message)  4,171 posts, Honey bee

I love all your tips, they are seriously smart and so so true!

 
13.
longlegsrule
Member
longlegsrule (message)  131 posts, Blushing bee

hey keep in mind you can’t see bells ringing in a picture…

 
14.
Bee Icon
Bee
Miss Ladyfingers (message)  1,119 posts, Bumble bee

@smores: Haha thanks! I relate :)

@merenguito: Yeah I’m lucky in that regard (I guess) - the only person ruining my budget is me.

@Mrs. Tartlet: @Melini: Yes, the budget is a living breathing thing for sure!

@mkewed2010: Agreed. In my case, there’s a Michaels that’s on my way home from work depending on which way I go… good or bad? You decide :)

@kimbee23: LOL yes.

@longlegsrule: true, true… but half the things we’re doing, you can’t really EXPERIENCE them through photos. I think it’s all about weighing what you love with what’s realistic. In our case, buying around 80 small silver bells and doing a cute little tag to go on them wasn’t a big budget buster (bought the bells on Joann’s website for about $3 per package of $24 with a coupon) or a time suck!

 
15.
Bee Icon
Bee
Miss Ladyfingers (message)  1,119 posts, Bumble bee

Er, I mean… $3 per package of 24 :)

 
16.
stephbonthego
Member
stephbonthego (message)  687 posts, Busy bee

rofl

 
17.
Guest Icon
Guest
Jamie

This post could not be more true! This exact thing happened to me and I tell all engaged girls the same thing. Once you figured out your budget and have all those $’s accounted for, STOP! No more looking at wedding blogs, no etsy and no just “dropping in” to Michaels or any other craft store.

 

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Mrs. Ladyfingers
Mrs. Ladyfingers

Mrs. Ladyfingers, Saint Petersburg, FL Age and Occupation: 30, Marketing Manager Fiance's Age and Occupation: 33, Sports Writer Engagement Date: December 24, 2010 Wedding Date: November 2011 Venue: Palma Sola Botanical Park About Me: I hail from Oklahoma, he was born and raised in Long Island. Fate brought us together, and now we live in a cute little rental house with our nutty dog, and our aloof cat. We both love to read, watch movies, explore our town, and laugh like hyenas. When I’m not obsessively wedding crafting, I enjoy stalking style and decorating blogs, making collages and painting, napping, thrifting, rearranging our bookshelves, and being a total weirdo with my friends. Hi!

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