I just had my credit ruined, and I am the responsible sibling who helps my brother and sister when they are in need, even though I am the baby of the family. Anyways, I was planning on asking my girlfrined of 4 years to marry me, and have been researching and researching for about 5 months now. I found the ring I want, but am now left with the predicament of having to wait for the banks to figure out my credit history issue, which could take months, and just loaning my bro and sis some large chunks of change that they were in dire need of. I am willing to find an odd job, or something, for a good month, of working my current job 40-50 hours a week, and another job for 40 hours a week if the hours are late night hours, or early early morning hours. Any suggestions on how to make a large chunk of change for an engagement ring to pay it all off and not have to finance, since this is not something that should be put on hold. Love works in crazy ways, I know....
2006-09-05 11:35:27 · 15 answers · asked by Anonymous in Family & Relationships ➔ Weddings
I'm glad you're thinking in terms of buying the ring with cash and not getting it on credit as you don't want to start off a marriage in debt (number one reasons couples fight and get divorced). To be honest the fact you are thinking of marriage now when you aren't in the finacial position to do so, is a tad worrying.......
Are you sure you don't want to wait until your out of debt before you ask?
Your girl knows money is tight and so if she really loves you, I doubt she is going to want you to struggle to buy a ring for her. If you don't want to wait..why not just ask her without the ring and buy her one later on when you can afford it? I'm sure she would understand and be just over the moon with the fact you asked her.
If you want to give her a ring..just look around for something nice but affordable to you right now or if you really have your heart set on that ring..the only thing I can suggest is go to a wholesale manafacturing jeweller to get her a diamond and take your ring design and see if it can be made the same or at least similar but cheaper and within your budget. Maybe it's the diamond specs that are affecting the price and you could get a cheaper diamond or it's made in plantinum and would be cheaper in white gold. Good luck.
2006-09-05 23:11:01 · answer #1 · answered by xanadu88 5 · 1⤊ 0⤋
Here is my thing, because my boyfriend and I are at the point in the relationship where we want to get engaged and get married, but it's just not the right time. The thing is, being engaged or married is just a title, that's all. It doesn't, and shouldn't, change the way you feel about each other. If you love her, you know it, she knows it, and yeah you may want to let the world know, but does your relationship and feelings for each other depend on a little thing? Do you absolutely HAVE to get engaged in the immediate future and can't wait for your financial situation to improve? Also, you're very worried about a simple ring. Like I said, it's just a thing that she'll wear. I don't want to tell you that it's the wrong thing to focus your finances on, but I know many women who'd rather wait for or not have an engagement ring and be looking for a house to live in or a way to pay for their dream wedding.
That being said, you may just want to wait until the time is right when you can afford to give her the ring. See how the bank comes through, even if it takes awhile. You'll also want to think about insurance, which can cost even more than the ring itself sometimes. Or you can just propose to her and be engaged without a ring. Many couples just do that and have a beautiful wedding band instead. If you're not absolutely set on this particular ring, ask your mom or grandmother or close family member if you could use her ring. Or have the stone from a beloved family heirloom set into a ring. That option is both incredibly romantic AND will save you a ton of money.
I know this wasn't exactly the answer you were looking for, but I hope I helped. I wish you and your beloved the best of luck! :)
2006-09-05 19:08:36 · answer #2 · answered by Stina 2 · 0⤊ 0⤋
well, you can either try and get a credit card with the jewelery company and charge it.
work over time if possible and wait til you have all of it saved up or a good chunk of it so you can finance the rest off and make payments
or you can lay it away and pay on it when you can that way you have it picked out and when there are sales/discounts they will take it off saving you money. Sears does that and i love their jewelry.
another thing is, you might want to stop "helping" you siblings out so much to your expense for a while. im not saying your doing anything wrong by helping them out but you need to think of what you want first before them.
take care and best of blessings.
2006-09-05 20:34:32 · answer #3 · answered by lusciousevil 3 · 0⤊ 0⤋
You are special I hope that she appreciate you and your sacrifice. I have never did this but i know people that do. For the five months you should have but the ring lay- away and pay a little at a time or what you could. If you can try it until the bank figures out your credit status. Good Luck.
2006-09-05 20:54:23 · answer #4 · answered by Mimi 3 · 0⤊ 0⤋
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2006-09-08 11:07:11 · answer #5 · answered by sarell 6 · 0⤊ 0⤋
Because she loves you, she will wait for you to get what you want. My husband and I had to face the reality that we could not afford the rings that we wanted at the time we wanted them, but we did not want to put our lives, or engagement on hold to wait to get them. So he got me a ring that loosely fit my ring finger on my left hand, but was meant for the right hand. Midway through our engagement, he was able to purchase what he wanted and that is what I have on my ring finger now. Most stores have a layaway, so see if that is a option.
2006-09-05 18:40:10 · answer #6 · answered by Shanigirl 4 · 2⤊ 0⤋
Buy a ring that you can afford, rather than breaking the bank for it. I would not care if my engagement ring cost £10, I would just appreciate the thought.
2006-09-06 06:34:51 · answer #7 · answered by sparkleythings_4you 7 · 0⤊ 0⤋
My fiance used savings for part, then financed the rest at 0% for 6 months thru Robbins Bros.
If you can't afford to do this either, I highly suggest you buy a small token now and tell her you will upgrade it when possible. She loves you and knows your situation, unless she's a golddigger, she'll love whatever you give her.
2006-09-05 18:51:30 · answer #8 · answered by vicvic* 3 · 1⤊ 0⤋
some jewelry stores offer 1 year interest free financing with a little money down. That is what my hubby did. He just paid it off he just paid several big payments and had it paid off in no time without interest. Its an option.
2006-09-06 09:07:26 · answer #9 · answered by hebe935 2 · 0⤊ 0⤋
If she really loves you she will understand if the ring has to be smaller and less expensive. She will not want you to be making life harder by buying a big ring. Save your money....if she is worth it, she won't care.
2006-09-06 00:06:33 · answer #10 · answered by zanahoria611 2 · 0⤊ 0⤋