It’s supposed to be one of the happiest day of your life. And then something happens that throws your wedding into disarray. And that unexpected event – whether it has to do with your soon-to-be spouse, the venue or something else entirely – can have a catastrophic impact on both your psyche and your savings account.

The national average cost of a wedding, as of last year, is $32,641, according to The Knot – a $1,400 leap over the 2014 average. (That figure, of course, varies wildly by region, falling notably in less populated states, but soaring to an average of $82,299 in New York.)

Read more at Money Magazine: Buy This Product and You Might Avert a Wedding Disaster