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After the Honeymoon

After Your Wedding

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After your amazing wedding day and you arrive back from your honeymoon there are still a few important things that you need to do (after you open all of your wedding gifts of course!!). Check out the information below to make sure you don't miss anything

 

Unwanted Gifts

 

If you have ended up with three cheeseboards or other gifts you do not want or need you can work out if there are any gifts you can refund or exchange or you can even sell them online. Try to be sensitive to your guests feelings but they would rather you have something you can use then something that will remain untouched.

 

Finances & Paperwork

 

Becoming Mr. & Mr. or Mrs. and Mrs. may mean that you will want to make changes to some of your finances

 

You may wish to consider the following:

 

Will you be changing your surname?

Do you want a joint bank account?

Will you both be named on your mortgage?

Can you achieve any financial advantage by filing a joint tax return?

Do you need to inform your insurance companies you are married in case it affects your policy?

Have you thought about writing a will or amending your existing will?

Will your bills now be in joint names?

Inheritance Tax Planning and gay marriage

Gay married couples will be able to pass assets on to their surviving partner without paying inheritance tax. If you are not legally married you will not be seen as the next of kin. If your partner dies the estate can be passed on to you without paying any Inheritance Tax Charge.

 

Capital Gains Tax and gay marriage

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This tax is payable when people give away or sell an asset where the value of which has increased. If you are legally married you can give assets to one another without paying capital gains tax.

 

Income tax and gay marriage

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In gay marriage the higher income earner can reduce their tax payments by giving an income-producing asset to the lower earner, whom pays tax at a lower rate. The donor loses control of the asset.

 

Pensions and gay marriage

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When you are legally married you can claim a state pension from the National Insurance contributions of a deceased civil partner

 

Send Thank You Notes

 

Your guests came to your wedding and took the trouble to bring you a present now you should formally thank them individually by sending them a thank you card.

 

Make a list of who attended your wedding and if you can soon after your wedding day record who bought you what present - not so you can see who is the most generous – but so you can refer personally to their gift. Write your thank you notes within two months of your wedding so ensure you order your thank you cards in good time. Try to make each card as personal as possible and if your guests gave you money then tell them how you have or how you will spend the money.

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