Rhonda,
if if I understand your question, I square up my quilt by marking it with a pen instead of actually cutting the quilt layers. Then I stitch the binding on using those reference marks. Trimming with the ruler on the half inch mark gives an extra 1/4 inch to fill in the binding.
I tried the idea of not pressing the binding in half prior to stitching but didn’t really notice a difference.
Thanks for your replies.