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How Much To Spend On An Engagement Ring?
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An engagement ring is a symbol of love and commitment. It represents a future together. Are you planning to get married and confused about how much to spend? Forget the ‘two-month-salary’ rule and let’s find out how much you should ACTUALLY spend on an engagement ring...
If you're thinking of popping the big question soon, one of the first thoughts that probably pops up in your head is how much you should spend on the ring. Most often, it’s an emotional decision than a rational one, and that’s where the problem lies.
Consider two major things before buying:
1) Your partner’s expectations and
2) Your financial situation.
It’s all about finding that perfect balance between the two.
Every individual’s situation is different and that’s why it’s important to know where you stand rather than depend on an overall statistic.
There is no right or wrong answer. But there is a good way to look at it. You should not put yourself into a ridiculous amount of debt for the sake of a unique engagement ring as you have the rest of your life to think about together. Sometimes, it may just not be feasible, and that’s okay because you have an exciting future to plan for!
Here’re some things that might help you determine your financial ability:
Your expenses – You need to assess the things you spend on, like student loans, car loans and other bills.
Your savings – You need to evaluate your savings based on your budget.
Your potential income - Are you in a job with a lot of growth potential in the coming years? If yes, you may want to take that into consideration. But don't go overboard!
Since you are going to share a life together, it’s important that you are both on the same page about matters related to finance. Have a heart-to-heart talk about where you both are financially and your future goals. Make sure you know how the ring will affect your pre-existing financial commitments. If you think putting all the money on a ring is being caring and thoughtful, it’s a big mistake. You surely don’t want to struggle to make ends meet every month because of it, do you?
The best way to finance your engagement ring is to put aside some money each month or consider financing the ring or putting it on a credit card. Also, here’s a small tip - try not to shop during peak seasons when proposals are at an all-time high like Thanksgiving or Valentine's Day.
While it’s simple to get caught up in the whirlwind of emotion while buying engagements ring for women or engagement rings for men, see that you put serious thought into important life-changing questions before going shopping. Good Luck!
She dons many hats, that of a lifestyle blogger, wife and mom. A fashion lover and style influencer, she thrives on writing, like contributing feature articles for Samuels Jewelers http://www.samuelsjewelers.com/ on topics such as Engagement Rings for Men http://www.samuelsjewelers.com/engagement-wedding/engagement-rings.html and diamond jewelry, fashion earrings, the latest happenings and trends. She also loves indulging in activities like yoga, cycling, and swimming.
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