Virtual Envelope Advantage : It's Easy to Get Started _ To get started, ask your bank if they can set up your Virtual Envelope budget categories as sub_accounts underneath your savings account. There should be no charge for doing this. If your bank will not provide this service for free, check around for other financial institutions in your area, including your local credit union. I've done virtual enveloping for about 30 years through a couple different credit unions. I've also had a couple colleagues using this approach. So don't take "sorry, we can't do that" as an answer from your existing financial institution.
Now, a wedding can be very complex and has many different aspects to it. Making a wedding budget worksheet can help you stay organized and on task. The first thing you need to do is decide on how much money you are willing to spend. Figure out who will be paying for the wedding, and what everyone is willing to pay. This will help you figure out what you have to spend on each aspect of your wedding. On a budget that's tight or not, it pays to save wherever and in whatever way you can! To start your wedding budget worksheet you need to divide the wedding into categories. Try to divide your wedding up into the reception, the attire, the decorations, the music, the photography, and miscellaneous.