The wedding was beautiful, and the loan repayments started a month later. For many couples in Ghana and Nigeria, the pressure to host a large celebration leads to borrowing from banks, friends or family. Starting marriage in debt adds stress at a time that should be about building a home together.
Set a realistic budget
Start with what you can afford from savings and confirmed contributions. Build the wedding around that number, not the other way round.
Talk about money early
Discuss each other’s savings, debts and income honestly. Agree on what you are willing to spend.
Prioritise
Decide what matters most to you: food, photography, attire, venue or guests. Spend on those and cut elsewhere.
Guest list
The guest list drives costs. Every extra guest adds food, drinks, chairs and souvenirs. Keep it manageable.
Family contributions
Families often contribute, but contributions can come with expectations. Clarify what each side will cover.
Avoid high-interest loans
Personal loans and digital lending apps can carry very high interest. If you must borrow, compare rates and avoid lenders with aggressive collection practices.
Save monthly
Open a dedicated savings account for the wedding and save a fixed amount monthly. Even a few months of saving can reduce borrowing.
Negotiate with vendors
Ask for packages, off-peak discounts and payment plans. Get everything in writing.
Gifts
Cash gifts can help, but do not count on them to pay debts. Their amount is unpredictable.
After the wedding
Make a budget for your first year of marriage, including rent, food, transport and savings. If you have debt, plan to repay it quickly.
Smaller can be better
A smaller wedding can still be joyful. Many couples who chose intimate weddings say they have no regrets.
Track spending
Keep a simple spreadsheet or notebook of every payment, including deposits and small purchases. Small costs add up quickly and are easy to forget.
Say no politely
Relatives may suggest extra events or upgrades. Thank them, explain your budget and hold your ground.
Plan for gifts and thank-you items
Souvenirs and thank-you gifts can be a hidden cost. Decide early what you will give and how much it will cost.
Insurance
Ask vendors about refund policies in case plans change.
Guests will forget the menu within weeks. A couple paying off a wedding loan will remember it every month.
