Figure out how much money you have to work with, and then determine how much you'll put toward the various elements of the wedding. Just avoid calling your financial arrangements a "budget." "That 'b' word is nasty," says financial planner Jill Gianola, author of The Young Couple's Guide to Growing Rich Together. "I prefer 'spending plan,' which puts more emphasis on how you're going to spend the dollars. Don't think about it as cutting back, but rather as using limited resources in the best way possible." Handle things as a team; for instance, if the cake you want costs more than you'd budgeted, you and your groom both need to agree that the overage is worth it.