But if she or he wants a big stone, it's still very doable. There are ways to accomplish any look for any budget. When it comes to buying the ring itself, prices are going to vary widely due to a number of factors: The size and quality of the center stone, any details like a halo or stones set in the band , and the type of metal chosen—not to mention mark-ups that can come along with factors like a popular brand name.
It's become a suggested engagement ring rule that one should shell out about three months of their salary, but this is the most common and outdated engagement ring myth, according to Lanore phew! There's actually no set rule on how much you should spend on an engagement ring, and she works with all kinds of budgets.
Instead, she recommends going straight to the source. I highly recommend contacting a diamond consultant to assist in center stone selection. If you can't find a local diamond consultant, there are plenty of companies you can use remotely. While there is truly no set price cap when it comes to buying an engagement ring, you may still be worried your partner will be tempted to go overboard.
If you know the proposal's coming , be direct and slip your opinion into a casual conversation. Make up a story, and try something like, "You know, Jen was just telling me the other day that she really wishes her husband had spent less on the engagement ring so they could have had a bigger wedding budget to play with.
I think some people are going a little crazy these days. You can also pass your concern on to your partner's family and friends, who will relay the message. But, at the end of the day, some people really just want to go above and beyond and splurge on the engagement ring, which is totally fine and really sweet as long as they have the means to do so. If you're working within a budget, you can still treat your SO to the ring of their dreams thanks to a few engagement ring shopping hacks.
Diamonds are the most expensive part of an engagement ring, so you can save major dough by using a diamond alternative as the center stone. Depending on quality, these can be slightly less than a diamond, though truly rare and high-quality stones can sometimes cost more.
Other nontraditional stones that are getting more popular by the minute? Green tourmaline, peachy-pink morganite, and ice blue aquamarine. Keep in mind that certain settings can be expensive. Your future spouse may understandably be obsessed with Meghan Markle's three-stone engagement ring , but said setting can actually cost you a pretty penny and affect the size of the center stone. Instead, if you would rather focus the bulk of your budget on the ring's diamond, consider a classic solitaire setting to make the stone appear more prominent.
Working on the lower end of the color and clarity scales can go a long way in terms of majorly slashing engagement ring costs especially with brilliant-cut diamonds without sacrificing quality.
As far as clarity goes, "as long as you can't see inclusions to the naked eye, you're in great shape," Lanore says. Make sure you put your personal preferences aside to truly cater to your significant other. After all, she or he is the one who will be wearing it every day. See below on how we debunk this theory. Our hope is to eliminate this current out-dated budgeting systems and instead to create a tailor-fitted budget scheme that better fits each couple and their lifestyle.
Our calculator reinvents the answer to the famous budgeting questions. This system also includes the 1 and 3 months salary systems.
This is probably the most popular system for calculating how much to spend for an engagement ring. This system, started by De Beers, has become particularly unpopular after people realized that they owned most of the diamonds. Pros: Extremely simple to calculate. Cons: This budgeting system is too simple for the modern era. Based on www. Your financial means should determine your budget rather than a worldwide average.
No one should go into debt in order to pay off their engagement ring. Pros: Extremely simple system. Cons: Most people fall far below or far above the average. Or at least you'll want to be able to pay off the debt you might incur in a couple of months.
If you want a sustainable alternative to regular diamonds, check out James Allen. They have a huge selection of natural and lab-grown diamonds. But lab-grown is better for the environment and your wallet. How many months salary do you plan to spend on an engagement ring? Salary Rule: You should spend 2 to 3 months salary on the engagement ring.
BUT your personal budget should depend on your financial situation and not an arbitrary salary rule. You need to consider your lifestyle, debt, and current savings. You can use this engagement ring budget calculator as a guideline, but only you know your own financial situation. Once you've gotten a ballpark of how much you can spend, check out these online retailers.
You can snag a much more impressive rock for what you'd pay at a local jeweler. Shop for diamonds at James Allen, a CreditDonkey 1 recommended partner for the best online experience. Did you know the two month's rule was started by a De Beers ad?
De Beers happens to be the same company that convinced the entire world that men need to propose with a diamond. However, that rule has some serious flaws. After all, it was invented to get you to pay more money to a diamond retailer.
Deciding how much to spend on an engagement ring based on your salary is the 1 mistake you can make. We'll show you how to find the perfect ring for your budget. First of all, most people get married in their late 20s , when they are still in the beginning of their careers. They haven't come close to reaching their full earnings potential. Plus, you have to calculate what you actually take home in net pay as opposed to your gross salary. Unfortunately they are quite different. Secondly, most people graduate with student debt.
Combined with the increasing cost of living, spending thousands of dollars on a ring may not be feasible. Especially when you're trying to get out of debt as quickly as possible. If you want to stretch your budget further, check prices online first. Online retailers offer good quality, usually for much cheaper than a local jeweler. Other rules : Here are some other "salary rules" you've probably heard:. It could be used as the goal, but only you know your personal situation.
The average center diamond size for an engagement ring is between 0. Don't be pressured into a ring you can't afford.
Ignore the "two months salary" rule and set a budget for a ring that she'll love. It's always good to have a basis for comparison. Here is the average cost and carat size of diamond engagement rings in different countries. To give you a better idea, see pictures of recently purchased diamond rings here.
Don't Be Pressured by the National Average : We get it that you may want to measure up to the average man. However, if the average is still a lot higher than you can afford, you should NEVER feel pressured to match it. Remember that certain large cities often have much higher average diamond sizes.
And you still need to think about your own financial situation. The best way to make sure you're both happy is to have an honest conversation about expectations and finances. If you're going to share a life together, you really should be on the same page about things like this. You should have an honest chat about where you are financially and what your goals for the future are. For instance, do you want to save money for a down payment or pay off student loans?
Then you can figure out how the engagement ring fits in with those goals. Once you have a number in mind, you can work to find exactly the kind of ring she would like that fits within that budget. What are you budgeting for an engagement ring? Talking about the cost of the ring may not be romantic, but it's important. Maybe she doesn't even want a diamond.
Either way, you want to know. Do you plan to go engagement ring shopping together? More and more couples are choosing to shop for the engagement ring together. Shopping together is a great way to be certain that she gets a ring that she'll love. If you really have no clue what kind of style she likes, then it's even a good idea to let your girlfriend pick out her own engagement ring.
This way, she has a say in what she likes instead of you taking a blind guess. In fact, you can shop together and still keep the element of surprise. You can talk about stone and metal preferences and have your girlfriend pick out a few setting styles she likes. You can then choose the final design on your own and plan the surprise proposal.
Tip : See our guide on the most popular engagement ring styles. Also learn about diamond prices so you don't overpay. Do you plan to buy an engagement ring online or in store? Is James Allen better than Blue Nile? In terms of pricing, James Allen and Blue Nile both offer similar competitive prices. James Allen has the edge when it comes to setting options, gemstones, and colored diamonds. It's also better if you need help, as it offers free diamond consultations with an expert.
Because of these, James Allen is our top recommended online jeweler. Read our detailed comparison review of James Allen and Blue Nile. Have an idea for a budget? There are a few other things to consider before putting down money for a ring:. Treat her as seriously as you treat yourself : If you spend quite a bit of money on your own hobbies and toys, then you should be willing to spend just as much on her ring.
Take your time: A purchase this big should never be rushed or taken lightly. Not only will you decide on the size, style, cut and color of the diamond, you'll also have to do some research on whether buying online or instore works best for you. If you want a wider selection of diamonds at lower prices we recommend comparing your findings from Blue Nile to that of James Allen for the best online offers. Other future large purchases : Maybe there are other milestone purchases coming up, such as buying a house.
Make sure you know how the ring will affect that. Or maybe the two of you find that taking a dream, once-in-a-lifetime trip together is more meaningful. Expensive is not the same as thoughtful : If you're going broke buying a ring you can't afford, that's not showing you care. That's just putting your joint financial future at risk.
Sure, your bride may have a beautiful ring on her finger, but will she be happy if you're struggling to make ends meet every month because of it? Explore their Inspiration Gallery to see current popular designs. Plus, there are many ways to show you care without going broke. Trying planning an unforgettable proposal.
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