For richer or poorer ...

Money matters

There's no definitive right or wrong way for a couple to handle their finances after marriage. Some prefer to keep individual accounts and split their bills; others may set up a joint account. Another option is a combination of the two: creating a joint account for household expenses, while retaining individual accounts as well. The key is communicating and deciding what works best for you as a couple. If you decide to merge accounts, be sure to shop around for the best rates before setting up a new one. Sit down together and make a budget. Compare your finances and calculate how much each of you are earning, spending and saving. Find the areas where you can improve and discuss your financial goals.

Also, be honest with one another about any debt you bring into the marriage, whether it's student loans, credit cards or medical related. The amount of debt you carry will factor into home loans and other financial areas. Formulate a plan you're both comfortable with to pay it off. Seek advice from a credit counselor if you're feeling overwhelmed.

Investments/savings

While preparing to make an investment in each other, couples also need to think about investments in general, according to financial experts. There's a lot to consider when blending your money -- and financial future -- with another person. The best approach is to seek help from a financial adviser. A trained professional can help you with tax and estate planning, and blending your portfolios to grow your nest egg. Putting money into investments and savings should be part of your regular budget.

Buying a home

If your new spouse already owns a home, you can be added to the property without being added to the loan. The homeowner can add his or her new spouse to the property by doing a quitclaim deed, which can be done by contacting an attorney or the county's recorder of deeds.

If you're in the market for your first home, there are some things you'll need to be aware of. First, check your credit score. Federal law allows you to request a free copy of you credit report once every 12 months from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. Next, make a plan to manage your debt. Couples with too much debt have trouble qualifying for loans and may face higher interest rates. You also need to start saving money for a down payment; usually about 5 percent is required to get a loan.