First Things First

Discuss a Date

Once the word is out, expect lots of questions, including "When are you getting married?" Reveal a date if you have one, or let curious friends know plans are in the works -- as they should be, especially if you want to hold your wedding at a popular time of year, such as June or over a holiday. Locations, photographers, caterers, and other professionals book up early, sometimes a year in advance.

First Things First

Think About the Big Picture

Envision the type of wedding you both want -- maybe it's the event of childhood dreams or one that reflects your grown-up tastes. Even if you are set on a formal event in a ballroom, considering other possibilities, such as a seaside ceremony or a Sunday brunch, may change your mind or reinforce your choice. The same holds true for selecting the time of day and mood of the wedding.

First Things First

Set a Budget

Prior to making any decisions about the style, location, etc., figure out what you have to spend and whether your families will contribute. Make sure you and your fiance are in agreement about your priorities before talking to your parents about budget and logistics.

First Things First

Register for Gifts

Surprising as it may seem, as soon as people find out about your impending nuptials, presents will start flowing in. It's never too early to register, not only to help ensure you get something you like and need, but also to make it easier on friends and family who are pondering what to purchase. Even if you don't select everything right away, at least go to one store and decide on some things for your list. You can always add more later and register at other stores. Try to limit your registry to three places. This way, it'll be easier to manage. And, in case you don't get everything you put down, many stores will keep your registry active for as long as a few years.

First Things First

Insure Your Ring

You may never want to take off your priceless new treasure, but realistically, you'll have to at times. It's a good idea to talk to an insurance agent about coverage in case the stones or the ring itself ever need to be repaired or replaced.

You will first need an appraisal by a certified independent gemologist; most jewelers will provide this service upon purchase. And make sure you understand all the terms of the policy. Find out whether you are covered if the ring is lost, stolen, or damaged, and what stipulations there are, if any. If the ring is damaged, does the company give you a check so you can have it repaired by the jeweler of your choice, or do you have to use one of their jewelers? You'll also want to know how long the claims process takes.

You might be able to add a jewelry rider to your existing homeowner's or renter's policy; if not, set up a separate policy. And, most important, take very good care of your ring -- when you're wearing it and when you're not -- because that's the best insurance of all.