How to Set Your Wedding Budget (Without Going Broke)
By WedPlanner Team
How to Set Your Wedding Budget (Without Going Broke) Let's talk about the number that makes every bride and groom break out in a cold sweat: the wedd...
How to Set Your Wedding Budget (Without Going Broke)
Let's talk about the number that makes every bride and groom break out in a cold sweat: the wedding budget. In the Philippines, the average wedding costs between ₱150,000 to ₱300,000. But here's the reality check most couples miss: you'll probably spend 30-40% more than you planned. Why? Because weddings have a magical ability to uncover expenses you never knew existed.
But don't panic. This guide will help you create a realistic wedding budget that won't leave you eating instant noodles for the first year of your marriage. Let's build a budget that works.
Start With the Big Picture
Before you dive into spreadsheets, have an honest conversation with your partner and families. Who's contributing what? In Filipino culture, it's common for both families to chip in, but expectations vary. Get these numbers on paper before you spend a single peso.
Once you know your total budget, immediately set aside 20% as a buffer. This isn't optional. Trust me, you'll need it for last-minute adjustments, overtime charges, and those "small things" that add up fast.
The Real Cost Breakdown
Here's where your money will actually go:
Venue (30-40%): This is usually your biggest expense. In Metro Manila, expect to pay ₱50,000-₱150,000 for a decent reception venue. Churches often charge ₱10,000-₱30,000. Book early—popular venues fill up 12-18 months in advance.
Catering (25-30%): With 150-300 guests, this adds up fast. Budget ₱800-₱1,500 per head for decent catering. Buffet is cheaper than plated service, but consider your crowd—elderly guests might prefer seated service.
Photo and Video (10-15%): Good photographers charge ₱30,000-₱80,000. Videographers run ₱25,000-₱60,000. Same-day edit costs extra but is increasingly popular. Book early—the best ones are reserved months ahead.
Attire (8-12%): Wedding gowns range from ₱20,000 (off-the-rack) to ₱100,000+ (custom). Groom's barong or suit: ₱5,000-₱20,000. Don't forget entourage outfits—these add up quickly.
Flowers and Decor (8-12%): Expect ₱30,000-₱80,000 depending on your vision. In-season flowers (orchids, anthuriums) are cheaper. December weddings cost more due to holiday flower prices.
Music and Entertainment (5-8%): Live bands cost ₱15,000-₱40,000. DJs are cheaper at ₱8,000-₱20,000. Hosts/emcees: ₱5,000-₱15,000.
Hidden Costs That Will Surprise You
These are the budget killers:
- Service charges: Most venues and caterers add 10-20% service charge
- Overtime fees: Venue and photographer overtime can cost ₱2,000-₱5,000 per hour
- Corkage: Bringing outside drinks? Expect ₱50-₱200 per bottle
- Transportation: Bridal car, guest shuttles, parking fees
- Marriage license: Seminars, documents, processing fees (₱3,000-₱10,000)
- Wedding favors: ₱50-₱200 per guest adds up fast
- Tips: Photographers, coordinators, drivers expect tips
Smart Ways to Save Money
You don't need to sacrifice your dream wedding to stay on budget:
Choose off-peak dates. Friday or Sunday weddings are often 20-30% cheaper than Saturdays. Avoid June (wedding month) and December (holiday season) when prices peak.
Negotiate packages. All-in packages from hotels can save money and stress. You might sacrifice some customization, but the savings are real.
DIY strategically. Make your own invitations, wedding favors, or simple decorations. Don't DIY things that require professional skills (photography, catering, hair and makeup).
Limit the guest list. This is the fastest way to cut costs. Every person you invite costs ₱1,000-₱3,000 when you factor in food, drinks, favors, and rentals. A smaller wedding often feels more intimate and special anyway.
Use digital invitations. Beautiful digital invites via email or Facebook save ₱10,000-₱30,000 on printing. Most guests won't mind—in fact, they'll appreciate the reminder notifications.
Track Everything
Create a simple spreadsheet with three columns: Budgeted, Actual, and Difference. Update it weekly. This isn't being "kuripot"—it's being smart. The couples who stay on budget are the ones who track every expense.
Use wedding budget apps or templates. Many are free and will do the math for you. The key is updating it regularly—don't wait until the end to see where you stand.
When to Splurge and When to Save
Worth the splurge: Your photographer (these photos last forever), your coordinator (they prevent disasters), your food (guests remember bad food), and your honeymoon (you've earned it).
Save here: Fancy invitations (people throw them away), excessive flowers (they wilt), party favors (guests leave them), and over-the-top decor (good lighting beats expensive flowers).
The Bottom Line
Your wedding budget isn't about depriving yourself—it's about spending intentionally. Focus on what actually matters to you as a couple. If amazing photography is your priority, allocate more there and cut somewhere else. If you care most about the food, splurge on catering and go simple on flowers.
Remember: the goal isn't the perfect wedding. It's starting your marriage without crushing debt. Set a realistic budget, track your spending, and focus on what really matters—marrying the person you love.
Ready to start planning? Download our complete wedding planning checklist to stay organized.