Before I head out into a fun weekend of DIY projects, I think it's time to get into the nitty gritty of the wedding planning because as much as I'd love to believe that weddings are all about pretty pictures and lovely details there is so much more behind the scenes. And that stuff ain't so pretty. Behind every vendor, project and purchase, there is an extensive spreadsheet detailing the cost breakdown and the to-do's and to-did's. Mine isn't even close to pretty, but it does the trick.
Below is what I'm calling our sorta budget. This doesn't include
everything but it does include the things we absolutely
need. So even though the plastic flamingos weren't needed or budgeted for, I bought them because I had a good night waitressing and I wanted them. (I am now seeing why I'm so bad at saving money....) At the end of the wedding, I'll probably add all of the additional items on (including the honeymoon which took a big chunk out), but for now my main priority is keeping our must-haves in scope. Plus, let's be honest - if I see the full breakdown of what we've spent there may be tears and tears won't do any good.
I included columns for the item, the vendor or store where purchased, the amount I budgeted for and the actual costs and amounts paid. So far we've only dropped $3,740 but we still have $11,550 to go which I'm not going to lie sounds like such a crazy large amount to me that looking at the number makes me want to cry and then just take that money, renovate our kitchen and have everyone over for some cocktails instead.
See all those little tabs on the bottom? That's where I keep tabs (oh punny) on all of our wedding related craziness: Invitations, RSVPs, must-play songs, DIY projects, must-take photos, and basically anything else I just need to write down somewhere.
With only $4000 left in our savings account from our parents (we spent a pretty penny on our honeymoon) we still have quite a bit to save. Which brings us to the Savings Tab. This method is really simple, but it worked so well for us when we were saving for our house, that I brought it back to life for the wedding. It seems like Alex and I have been saving for something our whole relationship, so we have a pretty good system going on which basically consists of me squirreling away a portion of my paycheck and serving tips and then being completely broke by the second week of the month. What's so difficult about this method is that I still don't have a concept of "savings" and "checking" and my MO has always been "Oh, I hit zero in my checking account? Time to transfer my savings money over!" It's really hard being broke, but knowing "the money is right there! I see it!"
 |
| Personal Comic Terribly Hand Drawn by Moi |
In order to keep me on track, this handy dandy spreadsheet tells me how much I should be saving. If I don't hit my goal, I have to shame myself by putting a lower number in the savings column and then eating dirt for dinner. The dirt part's not true, but the shaming is. I don't mess around with goals, I punch them in the face.
If I put in a chunk of my paycheck to project wedding each month and then save all/most of my tips, we should have saved a total of $7550 by the wedding day - to be adjusted as we pay for things of course. That's $1000 more than we budgeted for, so that will give us some wiggle room for added expenses.
If you're wondering where Mr. America's saving lives in all of this, it's pretty simple. He pays a bigger chunk of our mortgage each month and then after I become broke in the second week of the month, he takes care of everything from groceries to date nights. Sometimes I feel a little guilty that he has to take care of me, but that's what husbands are for, right? Plus, I keep having to remind myself that I'm saving for our wedding and that I didn't go blow a bunch of money on Jimmy Choos or something.
What's your savings strategy?