Why are they willing to do this? Well, with a credit card they have to pay interchange processing fees which can run somewhere in the neighborhood of 3% – cash has no associated fee. If you pay with a check, while there are no fees, there’s always the risk that the check will bounce – cash won’t bounce.

Another way to look at this list is to discover where you should focus your penny pinching energies. You will see below that the “everything else” category only counts for 10%… that includes invitations, save the date mailings, gifts, etc. Finding ways to squeeze a few cents out of that won’t be as effective as looking for deals on reception halls or attire.

Reception: 50%. The reception is the biggest piece of your wedding budget since it’s the one most dependant on the number of guests you invite. The church will hold as many as it will hold and you won’t need to donate more simply because another seat is filled, you will with the reception. In addition to paying for the food and drink, some places may charge a flat reception hall fee (if you look hard enough, some places will throw in the reception hall for free if you have a minimum number of guests).

Attire: 10%. A big piece of this 10% will be the bride’s gown and the groom may consider buying a tuxedo if they plan on going to many more black tie events in the future.

Photographer, Videographer: 10%. Part of the Big Three vendor spends on your big day, the photographer and videographer will be spending 8 hours filming and photo’ing plus all the post-wedding editing and cropping, which is why the costs will amount to a fat 10%.

Flowers & Decor: 10%.

Music & Entertainment: 10%.

Everything Else: 10%. Yep, everything else includes the ring, invitations, gifts, cake, etc. Everything else will cost as much as flowers & decor, as much as music & entertainment, as much as photographer and videographer.

From “The Knot’s Guide for the Groom.”