The rings are on, the wedding cake is in the freezer, and you and your spouse are beginning your new life together. You were just married! If you thought getting through the wedding with the family was a challenge, now you have to begin to build a life together and that includes some important financial decisions. Here are some things you should do right before the wedding or very soon after you say “I do.”

In this era of frugality, advertisements promising cheaper car insurance are everywhere. “Flo” from the Progressive Insurance ads promises you she will get you better rates with her low pricing tool and has recently taken up acting, writing and singing her own—terrible—songs. “Mayhem” from Allstate uses fear as a motivator by showing the damage he can do if you’re uninsured and unprepared. And Geico’s gecko—well, he’s cute and has an accent.