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Now we have reached the make adjustments phase, subtract your expenses from your income and if you have some money left over at the end of the month you have got yourself a budget. Realistically most people will not have a workable budget at this point, again it's not really your fault if you don't have a budget, because nobody ever took the time to show you how to set up a budget, much less help you stay on a budget. It doesn't take a rocket scientist at this point to figure out that you should reduce your nonessential spending habits and that's what they usually are is habits, they are your wants, not your needs. Pare your expenses down so you have some money left over at the end of the month and you now have your first monthly budget.

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.

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