You should be able to document your income, expenses, and (hopefully) savings every month. If your income minus expenses is a positive number, you can relax a little. You still may want to work on your budget so you can save more for an emergency or retirement. If that number comes out negative, you could be in big trouble. Spending more money than you make means you must rely on credit. In turn, this means you are setting yourself up for more trouble because those credit card payments will get higher every month.
Photographs _ which professional company are you going to choose Music _ DJ Entertainment or live music, what about lighting design Rentals _ Would you like a photo booth rental at your reception Transportation _ a limousine, a luxury rental car, friend's new car, or family car _ The cost breakdown should be flexible enough to allow for minor changes. It is better to account for changes than wait until the last minute. However, some budgets have the freedom to move around for last minute budgeting. Most vendors understand this, and will give you the option to upgrade or add on a service a month before the wedding. Reputable services require a 50% non_refundable retainer payment in order to reserve your date. Typically, any outstanding balances will be due 2 weeks prior to your big day.