I went through a 4 year Chapter 13 plan.  During those 4 years, I got into the habit of paying cash for everything.  3 years after my discharge, I still don't buy anything I can't pay cash for.  This includes automobiles and homes.   When I do make a purchase with a credit card(for convenience), when I get home I use Quicken Bill Pay to pay the full amount of the charge.  Sometimes they even receive my payment before the charge has posted.  For me, financing a wedding (or anything else) is OUT OF THE QUESTION.     If I can't afford to pay cash, that means I can't afford it.