Things Couples Forget to Budget For (and How to Avoid the Surprise Costs)

When it comes to planning a wedding or special event, most couples focus on the big-ticket items first — venue, catering, photography, entertainment. But it’s often the smaller, easily overlooked expenses that end up stretching the budget further than expected.

Here are a few common costs people forget to plan for, along with tips to help you avoid last-minute surprises.

1. Tips and Gratuities

Even if your contracts include service fees, gratuities are often not covered. Think about all the professionals who contribute to your day — hair and makeup artists, catering staff, bartenders, drivers, delivery teams, and even your planner or coordination team.
Tip: Plan to allocate around 10–20% of your total vendor costs or set aside a dedicated gratuity fund ahead of time.

2. Emergencies and Last-Minute Purchases

Unexpected needs always pop up — whether it’s umbrellas for a surprise rain shower, extra candles, a sewing kit, or additional décor. Having an “emergency fund” within your budget ensures you can handle these situations without stress.
Tip: Keep at least 5–10% of your total budget flexible for unforeseen expenses.

3. Alterations

Alterations are one of the most commonly underestimated costs. Whether it’s a wedding gown, suit, or bridesmaid dress, nearly every outfit requires adjustments for the perfect fit.
Tip: Budget between $200–$800 for bridal gown alterations and $50–$150 per person for the wedding party.

4. Cake Cutting Fees

Some venues or caterers charge a service fee to cut and serve your cake, especially if it’s provided by an outside bakery. These fees can range from $1–$5 per guest, which can add up quickly.
Tip: Confirm with your venue or caterer whether cake cutting is included or if there’s an additional charge so you can plan accordingly.

5. Vendor Meals

Vendors such as your planner, photographer, videographer, and band or DJ often work long hours and will need a meal during the event. Some contracts even require that meals be provided.
Tip: Discuss vendor meal pricing with your caterer in advance so you can include it in your final headcount and budget.

6. Post-Event Costs

The expenses don’t always stop when the event ends. Think about dress cleaning or preservation, bouquet drying, thank-you cards, and shipping costs for rentals or décor returns.
Tip: Set aside a small portion of your budget for these follow-up expenses to wrap up your event smoothly.

A thoughtful budget isn’t about restricting your spending — it’s about being prepared. By anticipating the less obvious costs, you’ll have a clearer picture of your overall investment and avoid unnecessary stress along the way.

When you plan for the details as carefully as you do the big moments, you’ll enjoy a smoother planning experience and a day that feels effortless.