Planning a wedding can be complicated enough, but there's a lot more planning you'll need to do after marriage. For example, if you and your spouse agree on how to manage your credit after you get married, you'll save yourselves confusion and headaches down the road. Openly discuss your money management styles with your spouse, agree on a joint budget and savings goals, and most of all, be prepared to be flexible.

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You may want to consolidate your savings and assets to make it easier to keep track of your accounts and to make it easier to save for the future together.   You can do this by setting up joint savings accounts with your bank. However, it's also a good idea to maintain some separate accounts if you and your spouse have very different spending styles, or if you already have a successful financial system of your own. At any rate, even with joint cards and accounts, you'll still need to use and maintain credit cards in your own name to keep an active credit history of your own, with your own credit identity and credit score. This way, while your spouse's credit can affect you, it can't change your personal credit score. Keep in mind that joint accounts will appear on both of your credit reports.

You and your spouse may want to consolidate your debts by putting them under one payment structure, like a home equity loan. This can often help you save on interest rates, and you'll only be making one monthly payment instead of many. If you and your spouse want to keep your debts separate (for example, you don't want to absorb your partner's credit card debt), make sure the accounts used to pay them are not under both names.

There's no one right way to manage your credit and debt after marriage. Talk with your spouse to establish a plan, and communicate with your credit companies.  As a first step, you may want to create a Personal Financial Statement,which helps get you organized so you can successfully manage your credit and debt as a married couple, for many years to come.

Get started Start Your Prenuptial Agreement Answer a few questions. We'll take care of the rest.

Get started Start Your Prenuptial Agreement Answer a few questions. We'll take care of the rest.