Final Up to date on August 14, 2025 at 9:28 am
A couple of yr in the past, I used to be requested in a panel dialogue, “How a lot ought to a pair spend on their marriage ceremony?” This caught me unexpectedly as I had by no means considered this earlier than (even once I typically seemed down upon marriage ceremony extravagance).
I had a few seconds to determine between saying a bland, “It relies upon, it’s onerous to say, and so on” or giving a selected reply. I selected the latter.
First, some context: The one that requested the query assumed that the married couple would fund the marriage with none help from dad and mom or household. So this can be a younger woman and boy simply beginning their careers with no web price to talk of desirous to fund their marriage alone.
Initially, members of that panel dialogue have been puzzled by my response, and not less than one stated it was cheap. I don’t declare that it’s a one-size-fits-all thumb rule. I don’t declare that it’s sensible. I really feel it’s doable. I anticipate quite a lot of readers to disagree with me on this.
I blurted out my reply: “The marriage mustn’t value multiple to 2 years’ annual earnings for the couple.”
I meant that if just one accomplice was working, say with an annual earnings of Rs. 12 lakhs, the marriage value mustn’t exceed Rs 12-24 Lakhs. If each work and the full annual earnings is Rs. 24 Lakhs, the marriage value mustn’t exceed Rs. 24-48 Lakhs. There’s a fairly giant bandwidth, however a easy, primary, conventional marriage ceremony with out opulence is good.
I later realised that it isn’t a scalable thumb rule. An individual incomes Rs. 50 lakh a month mustn’t attempt to spend Rs 1 Crore for a marriage. A Rs. 40-50 Lakh finances is a lot better.
Many different components embrace how a lot they’ve saved up for the wedding, how a lot they will save (if there’s nonetheless a while to take action), how a lot the dad and mom or grandparents will assist, and so on. It is just a tough thumbrule I coughed up in a rush, however in hindsight, it appears cheap (to me).
A lot of you’ll most likely dismiss this as impractical, and the wedding would value far more. Sure, however at whose expense? The couple. Even with this foolish thumb rule, many individuals could must take out loans if their households can’t make up for the shortfall.
The best factor to do will not be borrow and fund your marriage (which incorporates the honeymoon, which isn’t obligatory!). You can begin saving on your marriage from the day you begin working (if attainable, retirement planning can wait), and hopefully, once you begin planning for the massive day, you and your accomplice will every have an quantity near a yr’s pay. That needs to be sufficient for an inexpensive marriage ceremony with out pomp and EMIs! In case your runway is longer, it can save you extra.
Bear in mind, if somebody is forcing you to spend extra on your marriage ceremony than you want to, they’re neither your true pals nor true family. Your happiness after the marriage is the primary precedence.
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