1. Talk — often! The more you and your fiancé talk and come to an agreement about money matters, the better.

2. Don't think of your budget as a constraint. Think of it as an opportunity and a challenge.

3. Reward yourself for coming in under budget with small, affordable luxuries.

4. Avoid impulse purchases.

5. Put the money for wedding expenses in its own account.

6. Request overdraft protection on the wedding account.

7. Use a low-interest credit card that offers frequent-flyer miles for each wedding purchase made.

8. Look for ways to save by doing certain jobs yourself instead of assigning others.

9. Comparison shop.

10. Consider free credit-counseling services if necessary.