How to pay for a wedding with no money – Making a wedding plan is an exciting and magical time filled with joy, love, and laughter. However, the cost of a wedding ceremony can spiral out of control and make you feel overwhelmed and stressed. The average cost of a wedding in the United States of America is $30,000.
Overspending on your marriage ceremony will continue to cost you in the upcoming months or years. However, with a bit of planning and creativity, you can pay for a wedding even with no money. This guide will cover savvy strategies that will help you pay for a wedding even if you are on a tight budget.
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Highlights of this Post
What Are The Different Wedding Financing Options?
When it comes to paying for a wedding ceremony there are limited options available for financing your big day.
The cash flow system of paying for a wedding means you have to pay for all the wedding expenses from your savings account. One of the most preferred methods today is to pay from your pocket without carrying the burden of debt.
You can seek out payment plans from your vendor on your big day. You just need to keep an eye out for penalties for changes or cancellations in your contract or accrued interest rates on the payment plans.
In today’s digital economy, it is very easy to apply for credit. A lot of wedding vendors provide credit options for individuals who do not have the cash flow to invest on their special day. You can use credit cards for your wedding and make a plan to pay off the balance before the introductory offer expires, and use the card carefully.
Millions of people are turning to personal loans to pay for the cost of their wedding. Even though incurring debt for a wedding is not a great idea it can be a good option for those who have a good credit score and stable income.
Financing your wedding can end up resulting in thousands of extra dollars in interest. Wedding loans are available to couples in the form of unsecured loans from banks, credit unions and online lenders. You need to consider the loan amount, terms and conditions, interest rate and many other factors before considering this decision.
What Are The Different Ways To Pay For A Wedding With No Money?
It is no secret that weddings are expensive and if you do not have a lot of cash lying around then you may have to make compromises. Do not worry as it is possible to pay for a wedding at no cost. Keep reading the following tips to plan a budget wedding.
Small Wedding At Complementary Venues
One of the largest expenses incurred in the wedding ceremony is the cost of the wedding venue. Generally, the cost of wedding venues ranges between $3000 to $12,000 or more. To eliminate this cost you can opt for a low-cost wedding in the following ways.
- Wedding at your own home
- Wedding on a friend’s property
- Wedding on the property for a family member
- Outdoor wedding on public land with permission
- Outdoor waiting at a public park with permission.
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Be Smart With Your Wedding Dress
Besides food and venue, a significant amount of income goes towards a wedding dress or gown. To save money you can check out the non-bridal boutiques to find a beautiful dress to wear on your big day.
You can also rent a dress without buying a new dress altogether. Another tip is to go for a second-hand dress from different online outlets that will enable you to get the address for free or at a discounted rate.
Use Your Streaming Services And Phone For Music
For couples on a tight budget, there is no need to hire a DJ or live entertainment. You can opt for a small wedding ceremony and make use of speakers and a phone for entertainment purposes.
You can come up with a playlist yourself from streaming services like Pandora or Spotify. Individuals have to make sure to sign up for an upgrade beforehand so that the party does not get interrupted by ads.
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Be Your Makeup Artist or Seek Assistance From Your Friend
You can save a huge amount of money by becoming your makeup artist. You can also seek support from your friend or family member if you are unsure of your skills. Doing your hair and makeup at your wedding will save a significant amount of money.
You can also visit a cosmetic counter at a department store for a free makeover. Another great resource is to contact beauty schools where students in training provide services at significantly lower costs.
Cake It Simple
Wedding cakes are costly and if you want to cut down your cost then instead of ordering cakes from a specialist baker you can purchase cake at the grocery store or from your favorite patisserie.
You can add a bit of your décor touch on top to make things more special and memorable. Another low-cost option is to opt for cupcakes that look festive on multi-tiered cake stands.
Utilize Your Potential Resources
You can reach out to friends, family members, neighbors and connections to utilize the resources available to you. You can take advantage of your multi-talented friends and neighbors. For instance, if someone is skilled with baking goods then you can order a simple cake from them.
Similarly, if you know someone excellent with a DSLR camera or DJ you can cut down your wedding cost on a videographer or DJ. Couples on a tight budget can also barter with their community for services like photography, makeup, and violin playing at the wedding. This way you seek services for free or at low cost.
Seeking Cash Gifts
Couples who are on a limited budget can seek cash gifts from their friends and relatives to cover the cost of the wedding or honeymoon. It is completely appropriate to seek financial gifts for your wedding.
You can offset any spending that you have incurred on your big day by asking guests to supplement your honeymoon fund or contribute a cash donation.
Get Financial Help from crowdfunding sources
In recent years, the practice of crowdfunding for a variety of expenses has been really popular. You may receive financial support for your wedding from a large social network or a group of particularly dedicated friends. You can also use online crowdfunding platforms so that people can donate money for your wedding.
Participate at Giveaways and Contests
Keep an eye for any challenges from local organizations and wedding merchants, and finish up each form you can find. If you’re going to attend a wedding fair, participation is a must and you could return home with your award on that very day! You could think about your possibilities of getting something for free of cost or at a thin discount, however it doesn’t hurt to give it a try.
Consider taking a loan against your home’s equity
In case you have no money for a wedding, you can consider using a home equity loan or credit line to borrow money against the value of that property. However, given that your house serves as collateral, this is not the best option.
Print your own invitation cards
Instead of going to a professional stationer, you could buy your wedding invitations from VistaPrint or Minted, two online print shops. In case you have a printer at home, all you really want is some cardstock, envelopes, and stamps to do it without anyone’s help. You could also send evite messages if you really don’t want to spend money on them.
Apply for grants for wedding
For needy and low-income families or individuals who are getting married but are more concerned about their costs, government grants for weddings and grants from nonprofits or charities are extremely helpful.
Any government, whether federal or state, that provides support for wedding grants for families in need can provide grants for weddings. Besides, you can apply for wedding grants from nonprofits and charities as well. These grants are a convenient way to arrange money for a wedding with no money if you belong to a low-income household and unable to afford the huge expenses of a wedding.
Apply for Personal Loan For Wedding
You can get a personal loan for your wedding but you need to show steady income proofs. You can get a personal loan ranging from $1,000 to $100,000 for wedding expenses. You can pay off your loan amount in 1 to 7 years.
Lenders will observe your credit scores such as cibil scores and grant your personal loans. You can get a personal loan that way, but in order to get a personal loan you need to have a good payment history and a record of your previous debts.
Buy Used Décor
A majority of people who are about to get married spend a lot of money on decorations that they will never use again. You need to keep an eye out on online websites like Craigslist and Facebook Marketplace where you can get lightly used wedding décor at reasonable rates.
Hire A Food Truck
Instead of spending a lot of money on a full-blown catering service, you can get a cheaper alternative by hiring a food truck at your venue. Although food trucks charge a flat fee in addition to a certain amount per meal you will find this option cheaper than the traditional catering service.
One of the major expenses apart from the venue for the wedding is the food you can self-cater by cooking at your own house to save a significant amount of money. For instance, you can host a potluck reception where people can bring their dishes to share with others.
A potluck-style wedding party can help you save a lot of money on food and drinks. If you are opting for a small wedding then you can meet up with your guests a day before and prepare the dish at home. Alternatively, you can seek assistance from your local restaurant to reduce the per-dish cost.
Opt the DIY Approach
It will generally cost more to have things professionally done at your wedding. You can opt for the DIY approach to save a significant amount of money. For instance, you can find free bridal shower invitations or wedding invitations online, input the information and print them out.
Centerpieces are also easy to identify and there are plenty of candles, flower vases and fake flowers available at your local store that you can use as a ceremony decor or table centerpieces.
Think About Your Wedding Registry
Couples who are worried about how to afford their big day due to financial constraints can consider ditching the traditional registry. Some guests opt to give cash as a gift to help the couple pay down loans or credit cards or cover the overall wedding cost.
If you are worried about whether guests will end up giving gifts that you do not need in the long run then consider setting up a registry filled with essentials and include a honeymoon fund where your friends and family can contribute cash online.
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How To Save Money For Your Wedding?
There are a myriad of costs that couples have to spend to get married. The amount of money that you spend on your wedding depends on whether you are choosing our dreamy wedding or a small wedding ceremony.
The average wedding spend includes things like wedding cake, wedding dress, accessories and engagement rings, wedding venue, hiring a band, flowers, catering, dessert, etc. To save money for your wedding without getting yourself into debt you can follow the below-mentioned tips.
Start Saving Early And Calculate A Wedding Budget
If you’re about to get married it is time to start saving and put some amount of money in your savings account. Doing this regularly will help you to get a lump sum of money. You can create an account where you can put all the little bit of additional money to pay for your wedding.
Ask For Help From Family Members
If you’re facing trouble paying for your wedding though then you can reach out to your loved one for donation. There are various ways in which you can receive monetary support from your family and friends.
For instance, you can ask for cash gifts instead of physical gifts at your bridal shower or wedding shower. You can set up a wedding or honeymoon fund as a part of your wedding registry or host a casino game at your bachelor party.
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Keep Your Costs Down
A good and effective way to make sure you can afford your wedding is to stay within budget. Do not do anything that will break your bank. A touch of practicality will help you to cut back on unnecessary expenses and save for your big day.
The easiest way to start saving for your big day is to reduce your daily expenses at Starbucks or other coffee shops for Netflix or TV streaming, music streaming, gym membership, subscription boxes or paid apps for phones. This way you can save up to $630 to $930 per month and $7560 – $11160 annually.
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Take Up A Side Hustle
You and your partner can get a side hustle if you want to pay for your wedding without including any debt. There are many side hustles that you can opt for if you’re already working more than 40 hours every week at your regular job.
These include starting a niche site as a freelancer, affiliate marketing, selling digital products or online sites etc., becoming a virtual assistant or running social media for local businesses. A side hustle is one of the best ways to raise additional money for your wedding day.
Reduce the Number of Guests
This probably makes sense as inviting more guests implies more requirements of cash. Consider the fact that you will need to budget for additional invites, food, beverages, and even furniture for each person you invite. So it is recommended to invite only your family, close friends and relatives for your wedding when you lack enough money to spend.
Make use of your credit cards
You may be able to charge some or all of your wedding costs to a credit card, but this will depend on how high of a credit limit you possess. However, credit cards will generally have a lot higher rates than individual loans, so if you choose this method, utilize a credit card with a 0% introductory APR.
Using a credit card to purchase stuff can also provide you travel points or cashback rewards that you can use later. But make sure to limit the quantity of buys you make with credit cards that you can’t reimburse on time.
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The cost of a wedding has ballooned amid today’s sticky inflation and this is leading to enormous debt and burden for people who are about to get married. It is not a wise decision to start your wedding off with a pile of debt. You can follow our guide and tips mentioned above to pay for a wedding with no money. From choosing a DIY approach and cutting costs on unwanted items to skipping the registry there are several ways you can choose an affordable wedding.
Frequently Asked Questions
How do you pay for a wedding with no money ?
Numerous ways exist to cover the cost of a wedding even if you have no money. Few of those methods include acquiring a loan for the wedding, utilizing the credit card, start crowdfunding, asking guests for cash as wedding ceremony gift, seeking help from family, taking part in a contest and making use of a wedding grant.
What is the cost of a wedding?
The average expense of a marriage is around $28000 in the United States Of America. However, this sum isn’t applicable for all weddings. Basically,the expenses of weddings differ in range from a few thousand dollars to over $100,000 depending on how much money a couple can spend.
How to pay for a wedding without family help ?
There are definitely many ways to pay for a wedding without seeking help from your family. You can go for a low budget wedding, start saving money early, take out personal loans if necessary, use credit cards, apply for grants and set up crowdfunding.
I need help paying for my wedding. What should I do?
You can try a number of ways like using your credit card or looking for wedding grants. People generally bear the cost of weddings through personal savings, financial contributions from the family and friends, taking out wedding loans and requesting cash as gifts from guests.
How to pay for a wedding without family help?
There are a number of ways to get paid for a wedding without family help. You can try using your credit card or go for crowdfunding to support your marriage expenses. You can apply for wedding grants or can take part in contests.