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The following article was published in our article directory on October 3, 2012.
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Amount to Spend on an Engagement Ring

Article Category: Advice

Author Name: Liz E. Peters

You like to propose, but how much should you spend on the engagement ring? You have probably heard the traditional answer that it should be at least two months worth of your salary. Your question then is if you need to go by this rule or not.

The answer is no! The amount that you decide to put towards an engagement ring falls to you. Keep in mind that you will eventually will need to share your financial information with your soon-to-be finance. This means that if you must pay off her ring over an extended period of time, she will know what you paid. Additionally, according to how you arrange your finances, she might even end up putting money towards it. Now would you want that? I doubt she would be happy buying her own ring.

It is not a good idea going into marriage with a great deal of debt. Many young people in their mid-twenties have student loans to repay together with other forms of debt. Adding debt for an engagement ring might not be wise. However, there are a few ways to finance an engagement ring without going into debt or to have paid it off before you get married:

1) Save $ 50 to $ 100 a week for a year. This will give you $ 2,600 to $ 5,200 in cash that you can spend on the ring without incurring any debt.

2) Register for a credit card with an introductory offer of 0 % interest for a year. Purchase the ring using this card, but make sure that you pay off the balance within the year to avoid interest charges.

3) Evaluate your options. Does your mom or grandmother have a ring that you can use the center diamond from? Would you consider using a sapphire, emerald, or ruby as the center stone? These two ideas can save you a significant amount of money. If you decide to use a diamond as the main stone, do your research before selecting it. If you wish to save money, get a smaller carat size stone that is still good quality. Round brilliant diamonds are some of the most expensive, so selecting another shape can decrease the price by sometimes as much as 30 %.

4) Consider purchasing your engagement ring or at least the diamond online. Online jewelers, including www.goldentreejewelry.com, are typically cheaper than retailers. Most also provide guarantees or 30 days refund options to ensure that you are satisfied with your ring or diamond.

So, what do you should spend on an engagement ring? That falls to you. She is worth every penny. The key is to plan for this expense and make certain that you do not undertake a huge amount of debt that you will bring into the marriage. Beyond that, just do your homework and go with your instincts.

Keywords: how much to spend on an engagement ring, what to spend on engagement ring, engagement rings, engagement ring cost

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