Damn, I Wish I'd Known This Stuff Before I Got Married
You’ll get loads and loads of advice before you get married. Some of it will be helpful and some of it … well? Let’s just say that getting used to ignoring your mother-in-law is a skill you can’t hone nearly well enough.
But there will also be some gaps in the advice you’re given! Which is annoying. And that’s why I’m sharing these five things I really wish I’d known before I got married.
Banking becomes so much more complicated.
If there was just one thing— just one!—I wish someone had told me before our wedding, it is this: Check with your bank to see if they allow endorsed deposits and/or the depositing of checks made out to more than one person into an individual account.
What will happen before, during and after your wedding is that people will give you checks. Which is awesome! Yay for checks! But many of those people will only know you, or only know your partner, and the checks are often made out to one or the other of you, or to both of you, or to Mr. & Mrs. His Last Name Spelled Wrong, or to Mrs. & Mrs. Both of Your College-Era Nicknames or to Mr. & Mr. Hyphenated-Last-Names-Even-
Though-You’re-Not-Hyphenating-Your-Last-Names. It’s a mess.
It becomes an even bigger mess when the time comes to deposit those checks and you learn, as we did, that your bank no longer accepts endorsed checks (those are the ones made out to you that you sign and hand over to someone else for depositing) or that they only allow the depositing of checks that are made out to only the person whose name is on the account into which you’re trying to put the money.
In our case, Bank of America, where both of our personal accounts were, no longer allows for either, which meant that we HAD to open a joint checking account in order to deposit the checks we got at our wedding. We were planning to open a joint account anyway, but weren’t in any rush until that little hiccup occurred, and then it was just ONE MORE THING we had to deal with post-honeymoon. If I’d known, we would have opened the joint account before the wedding so we weren’t holding onto those checks for several weeks!
This policy does, of course, make it tricky for people who don’t intend to have a joint account at all. If you fall into that camp, it will be especially important for you to look into these types of policies before the wedding and figure out how to proceed.
Wedding gifts will take over your life.
A discussion of those checks brings us nicely into this next part: You will write thank you notes for the rest of your life.
Yeah, yeah, that’s a slight exaggeration. But only slight. Truly, you will not believe how many thank you notes you will write. The thing is that those thank you notes are important for three reasons. The first is that it’s good manners.
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