Weddings are a sacred moment many people dream of. But with costs skyrocketing, the dream can often feel out of reach. The term “wedding inflation” has become a scary reality for couples preparing to tie the knot. Don’t let the high costs postpone your dream of starting a family.
Understanding Wedding Inflation and the Trend of Wedding Debt
What is wedding inflation?
Wedding inflation is a phenomenon where wedding costs increase significantly from year to year. This rise is driven by various factors, such as higher prices for venue rentals, catering, decorations, and other wedding vendor services.
This phenomenon is closely tied to general cost-of-living inflation. When the price of goods and services in the market rises—for instance, the cost of raw food materials for catering, fuel for transportation, or building rent—wedding costs are also impacted.
The phenomenon of going into debt to get married
According to a survey by LendingTree in March 2025, about 67% of newlyweds chose to go into debt to get married (source: CNBC Indonesia).
While this survey was conducted in the United States, it serves as a reflection and a warning for all of us not to follow the same path. It shows that the high cost of a wedding can be a serious financial burden, even before married life begins.
Starting a marriage with debt is not an ideal choice, as it can cause financial pressure early on. If you dream of getting married, you can start saving from a young age so you won't have to go into debt.
Plan Your Finances Wisely: Meaningful Savings for Your Wedding with the Jago/Jago Syariah Pockets
Postponing your wedding just because of high costs isn't the solution. The key is thorough financial planning. One of the most effective ways is to give a purpose to every rupiah you save.
The concept of the Jago/Jago Syariah Pockets
The Jago application has the Pocket feature that allows you to separate funds according to their purpose. You can create specific Pockets for various wedding expenses, such as:
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Catering Costs Pocket
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Venue Rental Pocket
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Decorations and Attire Pocket
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Honeymoon Pocket
This way, every rupiah that goes into a Pocket has a "job" and won't get mixed up with other needs. This makes it easier for you to track your savings progress and avoid unplanned spending.
A Savings Simulation for Your Wedding with the Jago/Jago Syariah Pockets
Let's create a simple simulation for a wedding cost of Rp100,000,000. Assume you want to save for two years (24 months). Here's how to save for your wedding using the Jago/Jago Syariah Pockets.
1.Determine your wedding savings target
Based on the simulation, your savings target is Rp100,000,000 over 24 months.
2. Calculate the monthly savings target
Rp100,000,000 / 24 months = Rp 4,166,667 per month.
3. Create Pockets in the Jago application
Create a Saving Pocket with a target for your wedding cost of Rp100,000,000. Or, if you prefer not to combine it all into one Pocket, you can also create specific Saving Pockets, for example:
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Catering Pocket: Rp 30,000,000 (monthly target: Rp 1,250,000)
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Venue Pocket: Rp 20,000,000 (monthly target: Rp 833,333)
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Decorations & Attire Pocket: Rp 20,000,000 (monthly target: Rp 833,333)
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Miscellaneous Pocket: Rp 30,000,000 (monthly target: Rp 1,250,000)
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4. Save regularly and monitor progress
Set up automatic transfers each month to your Saving Pockets. Monitor your savings progress regularly in the Jago application. If you receive a bonus or extra income, consider putting it into these Pockets to help you reach your goal faster.
Frequently Asked Questions about Wedding Costs
1.What is the average wedding cost in Indonesia?
The cost varies greatly depending on the location, number of guests, and the chosen concept.
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Simple weddings: For simple weddings, such as a religious ceremony at the Office of Religious Affairs and a small reception at home, the cost can range from Rp5 million to Rp20 million.
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Mid-range weddings: For receptions at a multi-purpose hall or venue, costs can range from Rp50 million to Rp100 million.
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Luxury weddings: In major cities like Jakarta, a luxury wedding at a five-star hotel can cost over Rp200 million, or even billions of rupiah. The key is to adjust your dream to your financial capability, not the other way around.
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2. Is it normal to postpone a wedding because of the cost?
It's normal, but it’s better to focus on a solution, which is financial planning. Constantly postponing a wedding can cause anxiety and mental stress.
3. When is the best time to start saving for a wedding?
As soon as you start earning an income. The sooner you begin, the lighter the monthly burden will be.
4. What if my income isn't very high? Can I still save for a wedding?
Start with a realistic target. You can adjust the scale of your wedding to fit your budget. Starting small is much better than going into debt.
5. Why should I use Jago/Jago Syariah to save for a wedding?
The Pocket feature in Jago/Jago Syariah makes planning much easier. By giving each fund a purpose, you become more disciplined and avoid spending money on things you don't need.
Don't let wedding inflation steal your happiness. Start planning, start saving, and make your dream wedding a reality with Jago/Jago Syariah.
