Usually we recommend that you set up your own bank accounts and credit cards. Why? Because the spouses, in many instances, will spend like crazy or take all of the money and run. You do not want to be paying the credit bills for someone else. You can always move half of the funds from the joint accounts to a new one in your name only and then advise the bank that you want your name removed from the old account. As for the credit cards, if you have a balance, call the credit card company and ask that the balance me moved to a new account and then close out the old one...of course, you would need to say that the card has been misplaced, etc. That is what Visa advised me to do many years ago. Of course, procedures may have changed since 2000 and you can now just have your name removed from the account...but I would call the credit card company and ask them what is the best way to handle the account.
As for the wedding ring...that is a personal decision and you have to decide whether or not to wear it. Each person is different, i.e., some continue to wear it and others don't.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
