Avoid These Unexpected Wedding Expenses | Blog | Vargas & Vargas Insurance

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It’s wedding season once again. If you’re planning to walk down the aisle in the near future, you’re probably already aware that the average cost of a wedding is over $25,000. Even frugal weddings cost thousands of dollars nowadays, so if you want to have all of the fun and romance without the inflated bill, be aware of these costs that you may not expect, and be prepared to deal with them accordingly.

The Venue

If you’re planning to rent out a location for your wedding, be prepared to pay for it, especially in peak season. If you’re looking to save some money, plan your wedding in an off-peak month, or on a weeknight when the venue won’t have as much demand. People planning smaller weddings can also consider getting married at home, or at a local park – just be prepared to pay for chair and table rentals.

The Flowers

Between the bride’s bouquet, bridesmaids’ bouquets, and boutonnieres, you’re probably racking up quite a floral tab. And if you want to add corsages and boutonnieres for the moms and dads? What about floral centerpieces at the reception? To save some money on flowers, cut down on how many you will need. Consider building the bouquets and boutonnieres yourself (it isn’t all that difficult) with flowers from a local florist.

The Photographs

Your wedding photographs are pictures that you will look back on for a lifetime, so you want to make sure that they’re good. If you have a friend or relative that has a nice camera, consider paying them to take your portraits. There are also services like WedPics that will allow guest to upload their pictures of the wedding.

The Bar

It’s an endless debate – do you offer an open bar at your wedding, or make your guest pay for their drinks? If you want to offer drinks without spending too much, consider only supplying beer and wine, or only offering an open bar for a few hours before switching to a cash bar.

The Catering

Catering is often second on the list of highest wedding costs. Avoid breaking the bank by cutting back on your catering costs – serve three courses instead of five, or offer only fish and chicken instead of paying for costlier beef dinners. You could also save by opting to have your wedding earlier in the day and serving lunch instead.

The Miscellaneous Costs

The truly unexpected costs are the ones that will end up derailing your wedding budget. Be prepared beforehand, though, and you won’t be surprised. Remember that it’s customary to tip venue staff and vendors 10% – 20%, account for dress alterations, and remember to ask if your ceremony or reception venue charges parking fees.

If you want to protect all of the money that you’re planning to spend on your wedding, call Vargas and Vargas Insurance Agency at 617-298-0655 and ask about a wedding or special event insurance policy. The insurance experts here at Vargas and Vargas Insurance want to help protect you from your engagement to your special day and beyond!

About the Author

Carlos Vargas

Carlos Vargas

Carlos Vargas is the Founder and President of Vargas & Vargas Insurance Agency. He began his career in 1980 as a captive agent for a large national insurance company, but chose to become an independent insurance broker so he could offer clients better coverage options and more competitive products.


With 46 years of experience, Carlos believes strongly in the value of relationships and helping clients understand their insurance so they can make better decisions. In addition to leading the agency's vision and strategy, Carlos is deeply committed to community engagement and educating the public about insurance.


Outside of work, Carlos enjoys spending time with his wife, their sons and their families, and friends.

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