Short answer
Say 'No gifts, please, but if you wish to contribute, we would love help with our honeymoon.' Put this on your wedding website and a small card, not the main invitation, to keep it polite and optional.
The clearest way is to be direct but warm. On your wedding website, write something like: 'Your presence at our wedding is the only gift we need. We have everything we need for our home, so if you would like to give something, we would be honoured by contributions towards our honeymoon adventures.'
On a separate card inside the invitation, you can say the same in a shorter form: 'No gifts, please. If you wish, a contribution to our honeymoon fund would be much appreciated.' Avoid putting this on the main invitation card itself, as it can feel too commercial. Instead, use a small enclosure card or a note on your website.
If you want to be even softer, you can say: 'We are saving for our dream honeymoon, and any contribution would help us make wonderful memories together.' This makes it clear that money is welcome without demanding it.
Always add that gifts are not expected. Some guests will still bring a card or a small present, and that is fine. Thank everyone warmly, whether they gave money, a gift, or nothing at all. The goal is to make your guests feel appreciated, not pressured.
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