The holiday season brings to mind mistletoe, popping champagne corks and popping the question. The holidays may be the best time to bask in the glow of engagement. But after the New Year’s festivities are over, it’s time to face reality and focus on creating a detailed wedding budget. Long gone are the golden days when the bride’s parents paid for the whole thing. Today’s couples are the ones footing the bill and going into marriage hoping to remain debt free with money still in the bank.