The Multi-Lakh 3-Day Illusion
In India, weddings are social celebrations deeply tied to family prestige. However, taking a ₹10 Lakh personal loan at 14% interest means paying ₹23,200 every month for 5 years - money that could have funded a home down payment.
The 3-Bucket Rule for Wedding Planning
1. Bucket A (Non-Negotiables): Venue, catering, basic photography, and immediate family attire.
2. Bucket B (Experience & Memories): Couple honeymoon, intimate sangeet, memories you will cherish in 20 years.
3. Bucket C (The Vanity Drain): Excessive floral installations, 15 different outfit changes, oversized guest lists of people you haven't spoken to in 6 years.
The Rule: If Bucket C requires borrowing or liquidating long-term equity, cut it completely.