I just did a quilt where I didn't want my heart border to be cut off when I put on the binding. I quilted the body of the quilt, I laid the quilt flat and squared the it with my 15 inch square and my rulers and used my Frixion pen to draw the squared lines. I then measured in 1/4 inch from the Frixion line and marked a chalk line. I stayed about 1/8 inch from that chalk line when I did the quilting. After quilting I cut off the extra fabric on my Fruxion pen marks and sewed on my binding.
P.S. If you are using your sewing machine to quilt, do not cut off the extra fabric until AFTER you have quilted the border as the extra fabric gives you something to hold onto to move the quilt.