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Wedding Budget Breakdown

June 9th, 2016 at 07:06 am

I know some people were curious as to how I managed to spend 32000 on one day. To be honest, I'm not sure how I managed to blow that much considering I thought I was extremely frugal in some areas. The good news is we paid almost this entire sum on our own. The bad news is...that money's all gone now, and I don't have anything physical to show for it. This isn't a completely accurate picture because I found that especially towards the end, I did a terrible job of tracking things. It was easier to throw money at an issue than stress over it, so I padded the budget I did track by a grand to account for all of those miscellaneous costs.


Venue 9264.29
Caterer 6889.04
DJ 1020
Photographer 1632.62
Videographer 1100
Florals Included in venue package
Officiant Included in venue package
Tips 490
Alcohol 1667.27
Dress 826.87
Shoes 76.29
Accessories 16.5
Other Events Clothing 160.45
Reception Dress 120
Groom's Suit 198.73
Rehearsal Dinner 1151.60
Hair/Make-up 240
Nails 404.60
Invitations 60
Rentals 1100
Bridal Party Gifts 890.33
Wedding Rings 120
Wedding Night Room 425.48
Centerpieces 133.9
Placecards 25
Cake Topper 27
Wine Box 82
Guestbook 65
Save The Dates 125.08
Bridal Party Proposals 118.61
Dress Steaming 140
Flight 560
Car Rental 706.12
Day Of Food 311.76
Honeymoon Activities 930.80

Total 31079.34

Miscellaneous 1000**

Estimated Total 32079.34**

**This is a rough guess and includes all the other small things that I didn't categorize. Examples include an orange petticoat, washi tape and other craft supplies, a video cable for the projector, a flower girl book, mini notebooks, markers, DH's flight for our planning trip, etc.

October Budgets

October 9th, 2015 at 10:59 am

These will be a little different than normal. We have a dual-purpose trip planned, so I'll have less debt payments in order to cash flow the Vegas part of the trip for myself and my mom. DF had a really awesome (I mean, AWESOME) month, so we'll cash flow the Sedona part of the trip, move to living on last month's budget, and jump-start our wedding savings.

Below are our October budgets:

My Account
Capital One Savings: 25
Netflix: 9
Insurance: 88.68
Navient Loans: 152.35
ACS Loan: 170
Phone: 150
Wells Fargo: 50
Food/Gas: 90
Misc: 50
Mariner: 100
Chase Freedom CC: 0
Chase Slate CC: 25
NFL Points CC: 60
Vegas: 554
Apartment*: 1400

Our Account:
Rent: 1600
Electric: 140
Gas: 80
Verizon: 95
Groceries: 300
Entertainment: 1000
Wedding: 2000
Miscellaneous: 50
Pets: 200
Chase Marriot: 300
Capital One Venture CC: 100
Wedding Savings: 2000

The apartment under my account is my contribution to our account.

September Numbers

October 9th, 2015 at 10:49 am

*Budgeted numbers in parentheses

My Account
Capital One Savings: 25 (25)
Netflix: 7.99 (9)
Insurance: 88.68 (88.68)
Navient Loans: 152.35 (155)
ACS Loan: 169.70 (170)
Phone: 149.25 (150)
Wells Fargo: 50 (50)
Target: 0 (0)
Food/Gas: 138.57 (90)
Misc: 31 (45)
Mariner: 100 (100)
Chase Freedom CC: 120 (100)
Chase Slate CC: 30 (25)
Capital One Venture CC: 207.51 (0)
NFL Points CC: 60 (60)
Car: 0 (0)
Misc: 35.82 (0)
Entertainment: 35.88 (0)
Taxes: 152.39 (0)
Wedding: 0(0)
Vegas: 132.20 (0)
Apartment*: 1400 (1400)


Our Account:
Rent: 1591.23 (1600)
Gas: 52.12 (80)
Electric: 123.10 (140)
Verizon: 93.12 (95)
Groceries: 425.79 (300)
Entertainment 390.72 (100)
Misc: 245.22 (0)
Couch: 649.95 (650)
Pets: 418.95 (400)
Capital One Venture CC: 0 (100)
Chase Marriott CC: 2332.49 (2495.24)
DC United Tickets: 165 (165)
Wedding Savings: 300 (500)

It was an okay month. Still way too spendy, but better. I do want to change the way I account for cards because in reality, half of my accounting from other categories goes on the cards, so it's not a true picture of it. Our miscellaneous spending was pretty much all wedding-related, so I'll break that into it's own category next month. I also added temporary Wedding and Vegas categories to my own budget to account for my spending in those areas.

September Budgets

September 15th, 2015 at 11:57 am

I apparently skipped posting August's budgets although I did do them. Even though the month's half over, here is September. Although since starting YNAB, I may roll with the punches and do some adjusting in the second half of the month. One other thing that I didn't note on August payments was that we paid the remainder of our couch in full, so yay!!

Below are our July budgets:

My Account (Still have $270 unaccounted for)
Capital One Savings: 25
Netflix: 9
Insurance: 88.68
Navient Loans: 155
ACS Loan: 170
Phone: 150
Wells Fargo: 50
Food/Gas: 90
Misc: 45
Mariner: 100
Chase Freedom CC: 100
Chase Slate CC: 25
NFL Points CC: 60
Apartment*: 1400

Our Account:
Rent: 1600
Electric: 140
Gas: 80
Verizon: 95
Groceries: 300
Entertainment: 100
Pets: 300
Chase Marriot: 2495.24
Capital One Venture CC: 100
Wedding Savings: 500

The apartment under my account is my contribution to our account.

Finally some August numbers...

September 15th, 2015 at 11:46 am

I've been terrible about getting this up quickly after the end of the month. To be fair, there is a lot going on, but I really need to be better about it..

*Budgeted numbers in parentheses

My Account
Capital One Savings: 25 (25)
Netflix: 7.99 (9)
Insurance: 88.68 (88.68)
Navient Loans: 1555 (155)
ACS Loan: 169.70 (170)
Phone: 149.25 (150)
Wells Fargo: 50 (50)
Target: 0 (0)
Food/Gas: 137.75 (90)
Misc: 0 (31)
Mariner: 100 (100)
Chase Freedom CC: 785 (45)
Chase Slate CC: 25 (25)
NFL Points CC: 60 (60)
Car: 710.01 (0)
Misc: 602.65 (0)
Entertainment: 87.73 (0)
Wedding: 5.29 (0)
Apartment*: 1400 (1400)


Our Account:
Rent: 1630.95 (1600)
Gas: 92.47 (80)
Electric: 102.21 (140)
Verizon: 93.12 (95)
Groceries: 381.08 (300)
Entertainment 903.28 (100)
Misc: 1807.64 (0)
Couch: 649.95 (650)
Pets: 1205.64 (400)

As you can see, August was pretty brutal for us. We had plenty of money come in, but we also pretty much spent it all. The entertainment budget includes a rather sizable investment in camping gear, a weekend camping trip and a weekend hosting out-of-state friends. The miscellaneous is wedding spending which I will probably start adding to a wedding category. My own car was paid by the other driver's insurance when I was rear-ended. The miscellaneous from my own account was paying back my FSA. Ouch...glad August is over.

July Spending

August 12th, 2015 at 08:55 am

*Budgeted numbers in parentheses

My Account
Capital One Savings: 25 (30)
Netflix: 7.99 (9)
Insurance: 83.71 (83)
Navient Loans: 45.51 (45)
ACS Loan: 169.70 (170)
Phone: 149.25 (170)
Wells Fargo: 50 (50)
Target: 0 (0)
Food/Gas: 187.75 (90)
Misc: 0 (50)
Mariner: 100 (100)
Chase Freedom CC: 825 (653)
Chase Slate CC: 25 (25)
NFL Points CC: 60 (60)
Clothing: 235.87 (0)
Pets: 2 (0)
Entertainment: 497.84 (0)
Apartment*: 1400 (1400)


Our Account:
Rent: 1600.09 (1600)
Electric: 85.54 (140)
Gas: 0 (60)
Verizon: 93.15 (95)
Groceries: 321.55 (300)
Entertainment 85.40 (75)
Misc: 10 (450)
Couch: 50 (50)
Pets: 446.73 (400)

My account was just terrible, but our account was probably the closest I've ever come to being accurate in most categories. I'd hoped to pay myself a good amount back under Miscellaneous, but that didn't work out. DF has been doing really well though, so I should see at least a couple hundred this month. The entertainment category on my account was mostly the Florida trip and one set of exercise DVDs.

June Numbers - Our Account

July 10th, 2015 at 06:33 am

Our Account:
Rent: 1532.02(1535)
Electric: 68.89(70)
Gas: 98.64 (60)
Verizon: 93.15 (95)
Groceries: 510.01 (300)
Entertainment 115.48 (75)
Misc: 545 (0)
Couch: 50 (200)
Pets: 375.75 (400)

Meh...I could have done better. The miscellaneous expense was a new living room table. DD2 destroyed our glass one, so we went with a much sturdier, wooden one with drawer storage since DC is so fond of knocking anything and everything off of the entertainment stand, side tables, etc. We plan for things like the couch and this table to last us a very long time, so while it's costly, I'm hoping it lasts close to a decade. Now that we have a wedding to plan for, we'll have to be much more focused on the budget to really put aside as much savings as we can in these coming months.

June Spending - My Account

July 10th, 2015 at 06:19 am

Thanks so much for the well wishes everyone! I couldn't be more thrilled Smile I definitely think this will end up pushing my goal back considerably, but I think that when life throws you lemonade, sometimes you just have to sit back, sip, and enjoy it!!

Now's time to get back to regularly scheduled programming. Here's how June ended up:

My Account *Budgeted numbers in parentheses
BOA Savings: 0 (25)
Capital One Savings: 25 (30)
Netflix: 8 (9)
Insurance: 83 (83)
BOA CC: 33 (33)
Navient Loans: 45 (45)
ACS Loan: 169.7 (170)
Phone: 182.48 (170)
Wells Fargo: 50 (50)
Target: 83 (83)
Food/Gas: 428.28 (90)
Misc: 40.96 (50)
Mariner: 100 (100)
Chase Freedom CC: 1850 (656)
Chase Slate CC: 25 (25)
NFL Points CC: 57 (60)
Apartment*: 1400 (1400)

My BOA savings and CC will be removed starting next month. I closed both accounts in an effort to simplify things. My numbers will now start including cents as I no longer am enrolled in keep the change.

It pains me to look at the amount I'm paying to the CCs and still not be getting ahead. I'm still trying to find some way to kick them. I am owed over a grand from our joint account as I've put some joint expenses on the cc from time to time. I'm hoping now that the traveling is done for a bit, SO will really be able to focus and make some good money, so we can build our buffer back up and start paying some of that money back.

My raise was about $50/paycheck. Not much, but it's something.

June Budgets

June 15th, 2015 at 06:14 am

I'm really late on this, but here's the June budgets:

My Account
BOA Savings: 25
Capital One Savings: 30
Netflix: 9
Insurance: 83
BOA CC: 33
Navient Loans: 45
ACS Loan: 170
Phone: 170
Wells Fargo: 50
Target: 83
Food/Gas: 90
Misc: 50
Mariner: 100
Chase Freedom CC: 656
Chase Slate CC: 25
NFL Points CC: 60
Apartment*: 1400

Our Account:
Rent: 1535
Electric: 70
Gas: 60
Verizon: 95
Groceries: 300
Entertainment 75
Misc: 0
Couch: 200
Pets: 400

The apartment under my account is my contribution to our account. For my account, I added in a miscellaneous fund for those random things that keep popping up.

I have yet to charge anything new to the Chase card, and that budgeted amount is the full balance, so if all goes well, then it will be paid off fully. I made a meal plan for the rest of the month and this may be the first time we come in under budget in the groceries category. I already know we're going to be over our entertainment budget, but I didn't want to fudge it, so I put what I had budgeted.

May Numbers (Our Account)

June 11th, 2015 at 05:44 pm

We really bombed this...

Item: Spent (Budgeted)
Rent: 1555.84 (1560)
Electric: 89.09 (140)
Gas: 58.35 (60)
Verizon: 93.15 (95)
Couch: 50 (100)
Groceries: 105.60 (200)
Entertainment: 682.03 (300)
Misc: 144.93 (0)
Pets: 1083.91 (200)
Total: 3862.90 (2651)

The last three categories really killed me...especially pets. I'll post June budgets tomorrow, but I upped the June budget to $400 as a result of this egregious failure of pet expenses.

May Numbers (My Account)

June 11th, 2015 at 05:31 pm

Below is my April recap. Apparently, I missed May budgets, but I'll put in the numbers from my personal spreadsheet:

Item: Spent (Budgeted)
BOA Savings: 25 (25)
Capital One Savings: 30 (30)
Netflix: 8 (9)
Insurance: 84 (84)
BOA CC: 67.67 (0)
Navient Loans: 34 (0)
ACS Loan: 170 (170)
Phone: 178 (178)
Wells Fargo: 50 (50)
Target: 0 (0)
Food: 66 (40)
Gas: 138 (50)
Clothing: 40 (0)
Pets: 0 (0)
Miscellaneous: 261.39 (50)
Entertainment: 192.64 (0)
Taxes: 0 (0)
Chase Freedom CC: 1396.52 (460)
Chase Slate CC: 25 (25)
NFL Points CC: 57 (57)
Mariner: 100 (100)
Car: 353.48 (0)
Apartment*: 1400 (1400)

April Budgets

April 2nd, 2015 at 01:02 pm

Below are my budgets for my own account and our joint account:

My Account
BOA Savings: 25
Capital One Savings: 30
Netflix: 9
Insurance: 84
BOA CC: 33
Navient Loans: 152
ACS Loan: 170
Phone: 132
Wells Fargo: 50
Target: 49.60
Food/Gas: 100
Misc: 67
Mariner: 100
Chase Freedom CC: 148
Chase Slate CC: 260
NFL Points CC: 60
Apartment*: 1400

Our Account:
Rent: 1650
Electric: 140
Gas: 80
Verizon: 96
Couch: 1020
Groceries: 400
Entertainment 75
Misc: 0
Pets: 900

The apartment under my account is my contribution to our account. For my account, I added in a miscellaneous fund for those random things that keep popping up.

The big changes are to our account. Our budget is much more than normal due to SO's stellar month. The three big goals are to have $1500 in our account after all of April's budget is deducted, pay off the couch, and fully fund new puppy. Any additional funds will go towards paying me back, but there's not too much urgency in that. May and June may be a little tight because SO will be at training and not working per se, so I think the higher we can make our buffer, the better.

March Numbers - Our Account

April 1st, 2015 at 09:19 am

Our numbers:

Item: Spent (Budgeted)
Rent: 1573.62 (1650)
Electric: 122.37 (140)
Gas: 69.59 (80)
Verizon: 126.36 (127)
Couch: 150 (150)
Groceries: 343.39 (300)
Entertainment: 78.88 (75)
Misc: 166.85 (0)
Pets: 69.85 (200)
Total: 2481.06 (2722)

Our numbers came in well under. However, I still haven't started putting aside the deficit from the $200 pet budget for future emergencies. SO had a really amazing month, so his next paycheck should give us a legitimate buffer in the joint account. The one we'd had in there sort of disappeared because February was a really tight month. My first goal for his paycheck is to put in $1500 plus whatever deficit is needed to ensure our account covers our $3540 budget for April (more on that separately). If there's anything left, I'll begin paying myself back for Dec./Jan. spending.

March Numbers - My Account

April 1st, 2015 at 08:55 am

Here's how March shook out...

Item: Spent (Budgeted)
BOA Savings: 25 (25)
Capital One Savings: 30 (30)
Netflix: 8 (9)
Insurance: 84 (84)
BOA CC: 32.67 (0)
Navient Loans: 175 (175)
Amazon CC: Closed!!
ACS Loan: 170 (170)
Phone: 159 (157)
Wells Fargo: 50 (50)
Target: 0 (0)
Food: 148.11 (50)
Gas: 92.58 (50)
Clothing: 11 (0)
Pets: 15 (0)
Miscellaneous: 73 (0)
Entertainment: 24 (0)
Taxes: 13.74 (0)
Chase Freedom CC: 454 (226.47)
Chase Slate CC: 105 (330)
NFL Points CC: 60 (70)
Mariner: 100 (100)
Apartment*: 1400 (1400)

Next month, I will be making a few adjustments. I'm going to budget a set amount for variables which will include Clothing, Pets, Misc., Entertainment, etc. My budget is very bare bones and outside of required payments, I only budget $100 for food/gas. I always have expenses in those other categories, but never really knew how to budget for them, so I think I will try having a single variable line item, but still track spending in each category, so that I can better refine my budget in a few months.