I have been dating this girl for about 1.5 years now. I am thinking about getting engaged to her. However I dont know if I can afford to purchase an engagement ring yet. I have yet to find a job in the field I went to school for. Is there a formula I can use to find out if I can actually afford to buy an engagement ring at this stage in my life?
2006-09-17 08:22:54 · 19 answers · asked by bluenote12482 1 in Family & Relationships ➔ Singles & Dating
Personally, I think the old school (x months salary) is BS. Buy the size ring you can afford by saving up for a few months - save the amount that is realistic for your income. If you make bank, buy a nice ring. If you are on a limited income she should be understanding (this will be a good way to tell if she is a "gimmie Queen" too).
Some selfish women will tell you to buy a rock the size of Gibraltar or buy nothing -- but the thing to remember is the size of ring you buy is NOT en example of the amount you care, it's just a darn ring. Once you get settled into a better job you can buy her something different then. Sometimes its kind of romantic when a woman is willing to stick in there with her man while he grows and becomes successful -- a better ring to her then is a nice way to say "thanks for sticking it out with me".
2006-09-17 08:43:38 · answer #1 · answered by bioengman 1 · 0⤊ 0⤋
A ring, of course, is not only a financial investment but an emotional one, as well. It's easy to fall in love with a ring that is way out of your price range, but try not to get too carried away.
Determine ahead of time how much you want to spend and try to stay within your budget. The general rule of thumb is that you shouldn't spend more than two months of your salary, although some couples spend a lot less and some spend considerably more.
When buying an engagement or wedding ring, the best advice is to take your time and comparison shop. Visit several different jewelers and ask a lot of questions. The more you know, the better able you'll be to make an informed decision.
DON'T do what I did, and that's pick out a heart shaped diamond ($2,000), it's cute for a 21 year old girl, not that cute on a 30 year old. lol
Best of luck!!
2006-09-17 08:28:26 · answer #2 · answered by vir9inia 2 · 0⤊ 0⤋
The first step toward buying a quality engagement ring is education. All rings look lovely in the store, but by knowing basic quality standards as well as the bride’s expectations, you guarantee that the ring you buy is a good deal. Once you know how to buy an engagement ring, you can make your purchase with confidence.
2006-09-17 08:27:29 · answer #3 · answered by Alice 2 · 0⤊ 0⤋
If she is the kind of person who has to have a certain size ring, then dump her now.
Find a nice ring that you can afford. If she loves you (and I would hope so if you are thinking of marrying her) she will be happy with you and not the size of ring you buy. Don't try to fit into some magic number that was created by the diamond industry to fuel more sales. Go for quality over size. Clarity is better than raw size.
2006-09-17 08:27:01 · answer #4 · answered by troythom 4 · 0⤊ 0⤋
well the rule is 2 months salary. this gives you the best ring you can buy. but here is the deal if you have to go into debt for a ring why would you do that. seems like a backward thing. just start saving now and think of the ring you want to buy then save for that so you dont have to take out a loan for a ring.
2006-09-17 08:26:02 · answer #5 · answered by gsschulte 6 · 0⤊ 0⤋
well depends whether the engagement ring you intend to buy her is really expensive, you can certainly buy 9ct gold engagement ring not too expensive under £100, that's if you live in England. Unless you would really like to be extravagant and really out do yourself and impress her, which would be really nice and a nice surprise, but I'm sure she would still love you and marry you if you couldn't do that, as she knows your situation. You can always save up little by little. Goodluck and I hope things work out well for you!
2006-09-17 08:35:50 · answer #6 · answered by Anonymous · 0⤊ 0⤋
It depends on the kind of ring you want to buy and how much you make now. Did you want to finance it or pay upfront? Too many unanswered questions to give a good answer. You should just start saving now so when you are ready, you will have a nice chunk of money ready.
2006-09-17 08:25:50 · answer #7 · answered by Lola76 5 · 0⤊ 0⤋
if you go on a website that sells engagement rings theres usually a part that will help you with all of that. itll ask income, and all stuff like that,
my man and i just got engaged and he couldnt afford anything major and i understand that. there are tons of beautiful rings for cheap prices or on sale.
good luck :)
2006-09-17 08:28:07 · answer #8 · answered by heretohelp 2 · 0⤊ 0⤋
Look all you do is pay your bills for the month and take 80% of whats left and if you have to save up you save up, but remember how much the ring cost isn't always a big deal it's how much you love her that matters
2006-09-17 08:26:46 · answer #9 · answered by blessed 2 · 0⤊ 0⤋
Its not smart to go into debt for a ring. Also make sure if she likes gold or silver, big or little. Some girls are all for the bigger the better but others like things to be little and simple without much fan fare.
2006-09-17 08:28:31 · answer #10 · answered by Anonymous · 0⤊ 0⤋