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Christina Halloway and her fiancé are getting married in September and she has had to cut down a few costs, such as her bridal gown, guest list and a planner, to make the wedding work with their finances.

The millennial restaurant manager in Waterloo, Ont., said it took her two years to pay down her debt and finally pick a wedding date.

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“We got engaged during the holidays, 2018,” she said. “I didn’t want to get married in debt because I owed quite a big number on my line of credit. Honestly, my parents have chipped in a lot.”

Millennials are increasingly skimping on wedding costs, including eloping to pop-up chapels instead of hosting big weddings in grand venues. This has a lot to do with their values and even more to do with economics: rising living expenses and student loans, as well as income that just isn’t keeping pace.