With U.S. credit card debt surpassing $1.2 trillion and delinquency rates climbing, financial strain is a growing concern for many Americans. According to a recent survey by AmeriSave, credit card debt remains a top financial stressor, with one in three respondents citing it as their biggest financial worry. Even more concerning, one in ten owes over $15,000 in credit card debt—a number that can feel insurmountable, especially when planning a major life event like a wedding.
If you and your partner are in the midst of wedding planning, these statistics serve as an important reminder: Financial stress shouldn’t define your big day. The good news? With intentional planning, savvy budgeting, and a commitment to staying within your means, you can have the wedding of your dreams—without adding to the growing credit card crisis.
The Cost of Weddings vs. Everyday Debt Stress
The AmeriSave survey found that 31% of respondents spend over $1,000 per month on credit card payments, making it easy to see how financing a wedding with credit could quickly become overwhelming. The last thing any couple wants is to start their marriage with excessive financial stress, yet many feel pressure to spend beyond their means to create a “perfect” day.
At The Budget Savvy Bride, we believe in flipping that narrative. A beautiful wedding doesn’t have to come with a sky-high price tag—instead, it should align with your unique vision, values, and financial situation. Here are some key strategies to help you plan a wedding without debt:
1. Set a Realistic Budget
Start with an honest conversation about what you can afford. If credit card payments already take up a big chunk of your monthly expenses, it’s essential to be even more mindful of your wedding budget. Prioritize saving over swiping.
2. Be Intentional About Spending
A big part of wedding-related financial stress comes from spending on things that don’t actually matter to you. Instead of following every trend or industry standard, focus on the elements that truly enhance your experience and cut out what doesn’t.
3. Avoid the “Buy Now, Pay Later” Trap
Debt fatigue is real—one in ten survey respondents said they’ve given up trying to reduce their credit card debt because they feel too overwhelmed (AmeriSave Survey). To avoid this, steer clear of payment plans that could trap you in a cycle of debt long after your wedding day.
4. Leverage Money-Saving Strategies
There are so many ways to stretch your wedding dollars, from buying pre-owned decor and attire to leveraging cashback and rewards (responsibly) for wedding expenses. Our upcoming Savvy Weddings Summit will feature expert tips on maximizing your budget while still creating a stunning and meaningful celebration.
5. Embrace Financial Literacy
April is Financial Literacy Month, making it the perfect time to take charge of your financial future—not just for your wedding, but for your marriage. Understanding debt, budgeting, and mindful spending will set you up for success long after you say “I do.”

Join Us to Plan a Debt-Free Wedding!
If you’re feeling the financial pressure of wedding planning, you’re not alone—and we’re here to help! Join us for the Savvy Weddings Summit, where we’ll cover budgeting, money-saving wedding hacks, and strategies to plan a wedding that aligns with your finances and future goals.
At the end of the day, your wedding should be a joyful occasion—not a financial burden. Let’s make savvy, stress-free wedding planning your reality!