What Couple Forget to Budget For-And How to Plan Ahead

Surprising wedding costs that sneak up and how to stay prepared

You’ve set a budget. You’ve created a spreadsheet. You’ve even left a little wiggle room.

But somehow, the numbers keep creeping higher. Why?

Because even the most organized couples forget to plan for the unexpected extras—the little things (and some big things) that don’t always show up in Pinterest checklists or wedding budget templates.

As a wedding planner, I’ve seen many budgets get blown not by overspending on the dress or catering, but by being caught off guard by things no one told you to plan for. So let’s change that.

Here are the most commonly forgotten wedding expenses and exactly how to plan ahead so you can stay on track, stress less, and enjoy your day.

1. Gratuities and Tips

This one surprises a lot of couples. While tipping isn’t required for every vendor, it’s customary—and in many cases, expected.

Vendors you may need to tip:

• Catering staff (15–20% of food and beverage total)

• Hair and makeup artists (15–25%)

• Delivery drivers and setup crew ($5–$20 per person)

• Transportation drivers (15–20%)

• Ceremony officiant (if not already charging a fee)

• Venue attendants or coat check staff

Plan ahead:
Create a vendor tipping chart and include it in your final budget. Prepare labeled envelopes with cash or checks before the wedding and assign someone you trust to distribute them.

2. Postage for Invitations

You budgeted for the invitations—but what about mailing them?

Costs to consider:

• Standard postage (multiply by the number of invites)

• Postage for RSVP cards (if you're using them)

• Extra postage for heavier or uniquely shaped invitations

Plan ahead:
Weigh a complete invitation at the post office before ordering postage. Don't forget save-the-dates and thank-you cards too.

3. Vendor Meals

Your photographer, videographer, DJ, planner, and other vendors working 6+ hours will need a meal—and they expect you to provide it.

Plan ahead:
Ask your caterer about “vendor meals,” which are usually simpler and more affordable than guest plates. Include these in your headcount from the beginning.

4. Alterations

The cost of your dress or suit isn’t the full story. Alterations are almost always necessary—and they can range from $50 to $500+ depending on the complexity.

Plan ahead:
Ask the bridal boutique or tailor for an estimate when you buy your attire. Budget for multiple fittings, rush fees (if needed), and steaming or pressing closer to the date.

5. Sales Tax and Service Charges

Some vendors quote prices before tax or mandatory service fees, which can add 5%–30% depending on your location and the type of service.

Plan ahead:
Always ask vendors whether their prices include tax and service fees. Build a buffer of at least 10–15% into your budget to cover these surprises.

6. Decor Setup and Teardown Fees

You may assume your venue or rental company will handle setup and cleanup—but that’s not always the case.

Plan ahead:
Clarify early who’s responsible for setup, teardown, and transporting items. If it’s not included, you may need to hire extra help or ask your planner to coordinate.

7. Marriage License Fees

Small but essential, your marriage license typically costs $30–$100 depending on your state.

Plan ahead:
Research your local county clerk’s office to understand the process, requirements, and fees in advance.

8. Transportation for You and the Wedding Party

Whether it’s a limo, party bus, or rideshare plan, transportation is often overlooked until the last minute.

Plan ahead:
Think through every leg of the day—from getting ready to the ceremony, photos, reception, and hotel. Don’t forget guest shuttles if you’re providing them.

9. Getting Ready Expenses

That fun morning with your bridal party? It comes with its own costs—robes, breakfast, mimosas, beauty services, and possibly extra hotel time.

Plan ahead:
Budget for hair and makeup trials, outfits, accessories, and snacks or drinks to keep everyone fueled and happy.

10. Emergency Items and Last-Minute Fixes

Things happen. Buttons fall off, weather shifts, candles break. You’ll need a stash of extras.

Plan ahead:
Build an emergency kit with things like fashion tape, safety pins, stain remover, pain relievers, snacks, sewing kit, and more. Or hire a planner who already has one ready to go.

Bonus: Honeymoon Extras

You may have planned for flights and lodging—but don’t forget about:

• Travel insurance

• Passports or expedited renewal fees

• Luggage or new clothes

• Airport transfers, meals, excursions

Plan ahead:
Create a separate honeymoon budget so it doesn’t interfere with wedding expenses.

Final Thoughts

Weddings are emotional, exciting, and—yes—a big financial investment. The more you plan ahead, the less likely you are to face those “wait, we forgot about this!” moments.

The good news? You don’t have to figure it all out alone. A professional planner (like myself) not only helps you create a realistic budget—but makes sure you stay on top of it all the way through.

Let’s build a wedding budget that works—and one that doesn’t leave you scrambling days before the celebration.

Want help breaking down your budget or creating a customized plan for your wedding? Reach out and let’s chat. I’d love to make this process easier for you.