Have an account just for your wedding funds. This way you'll know exactly how much you have to spend. If you've already started saving, put some of the money in a CD or short-term mutual fund instead of a savings account. You'll earn more interest.

To cut down on vendor costs, do some of the work yourself. Such as making your own centerpieces and favors. Invite your friends over for an "arts and crafts" night. I'm sure they will be more than happy to help you out!

Believe it or not - hire a Massachusetts wedding consultant. Couples tend to think that hiring a wedding consultant can be expensive. Wrong! If you create a budget and give it to a consultant, they will do their best to make the most of it. In many cases, a wedding consultant will save you money.

If money is a problem (due to debt, going to school, unemployment), then you must be realistic when creating a wedding budget. You'll have to cut down on wedding expenses and try to do much of the work on your own.

To figure out an estimated amount of how much you can save towards your wedding: multiply your paycheck by .10 - .20 and then multiply how many months before your wedding. Do the same for your fiance and then add the two totals together.