Now it's time to get together with those involved in footing the bill for the wedding and reception. Is the bride's family paying or is the groom's? Are you, as a couple, paying for it yourselves?

Many couples are getting married later these days and they are financially secure enough to pay for their own wedding. They want to make decisions themselves without input or interference from parents. Today there are no rules for who pays.

Are There Strings Attached to the Money?

If your family is paying, ask how much they are willing to spend. How flexible is their offer? Can they adjust the amount for unforeseen expenses? Work out how your family will transfer the money to you and when it will be available.

Remember that when others are helping to foot the bill, they usually feel they have something to say about how the money is spent. You and your fiancé have to carefully consider the hidden costs of accepting money if you feel there may be problems.

Your wedding — and the planning that goes into it — is supposed to be a joyous occasion, not one fraught with controversy and conflict. You may have to choose your battles.

If there are ongoing disagreements, decide what you absolutely must have and weigh it against your family's financial help. You may find that some things aren't as important as you thought.

If you and your fiancé are paying for your own wedding, how will you make it work? First, set up a joint account just for the wedding. Having a wedding-specific account will help you keep track of how much you have spent and how much you have left.