I'm in the same boat as well. I'm two months out and the money factor is really starting to get be stressed. Me and my fiancé also don't make crazy amounts of money, we do make more than we need at the moment but once kids and a house come I know we will be living pay cheque to pay cheque. We have cut back on ALOT in our daily lives for the past year and somehow managed to save quite a big of money but I'm still terrified to spend it and keeping charging things to my credit card until i know what our final costs are. As for the wedding costs we did splurge on photography is this is the most important thing for us and so we are flying someone with us. But we are cutting out a DJ and just using our iPod. We also cut out flowers for the ceremony, so no arch or anything. I have DIY'd my heart out and if I find anything on etsy or in stores I like I try to figure out how to make it first. I'm bringing down the majority of my centrepieces including lanterns, ikea has a 45 day return policy so assuming they make the trip ok I might be returning them after (does this make me a bad person? What else am I gonna do with 5 lanterns lol unless the florist buys them off of me). I'm sure you will be fine. You still have a long way to go and lots of time to save. I would sit down and also look over all your bills and credit crd and bank statements and really itemize where you spend money and where you can cut back like date nights, if you have full cable or satellite look at cutting some channels out to save money, do the same with cell phones. Come summer maybe hold a garage sale and clear out some stuff you never use anymore! There's lots of ways to get creative. Instead of picking up a second job as it is tiring there's other ways of making some extra cash, if you know anyone with small kids my offer to babysit? Anyways I'm dragging on I'm sorry!