Purchasing the right engagement ring can be expensive, but you want this timeless treasure to be something she’ll be proud to show off. When it comes to shopping wisely for an engagement ring, you need to be prepared, so you don’t pay more than you should and don’t end up arguing in the jewelry store. The following are helpful tips for purchasing an engagement ring without breaking the bank.
1. Store Layaway
If your plan includes proposing in the not too distant future, you may want to think about placing the ring on layaway. When you pay in small increments and chip away at the full amount, your purchase won’t seem so grand. There are also financing options in place that allow you to pay zero percent throughout the first year of your payment plan. This affords you some time to pay down your debt without having to bring a sack lunch to work every day.
2. Shop Smart
The rules of spending a substantial portion of a month’s salary are long gone, and purchasing something that suits your needs is the new norm. The dollar amount attached to the ring should come with no financial hardship. You can start by perusing the local jewelry establishments to see if you can garner a good deal. Online shopping has become extremely popular, especially when looking for the perfectly priced engagement ring or cheap wedding rings for your upcoming nuptials. Most online retail jewelry stores pass down their savings to the customers, and allow them to shop from the comforts of their own home. They also provide a great assortment of options and most are at discounted prices.
3. Ring Knowledge
Buying an engagement ring without knowing what you’re looking for can be daunting, especially when you have a limited budget. You can start your search by polishing up your skills on how to purchase the right diamond. The four C’s of an engagement ring can affect the cost of the jewelry, and you want to find something that’s brilliant and shiny, but with flaws that are only noticeable to a trained eye.
4. Size May Matter
Diamonds are typically measured by carats, and larger stones can be costly. Instead of going up a full carat, you should try to look for a stone that increases in smaller increments such as .70 or .90 points. Such a small change is difficult to decipher, but you’ll enjoy the savings it can afford you.
5. Try Various Stones
You know your loved one is worth every penny that you can afford to spend and more, but you don’t want to be forever in debt. Various stones and settings can be just as attractive and unique. Stones such as amethyst, ruby, sapphire and emerald are just as aesthetically pleasing and can hold just as much sentimental value as traditional engagement rings.
The true value of an engagement ring should center on your love and commitment for one another instead of the price. Shopping wisely and doing your research beforehand will ensure you get the best deal for such a grand purchase.
Nadine Swayne knows that knowledge is power when shopping for your nuptial jewelry, and advises, whether you are looking for an alternative gemstone engagement ring or cheap wedding rings, that you do your research, shop around, and try visiting online jewelry stores to find the perfect ring for that special day of love.
Photo credit: http://www.flickr.com/photos/slemmon/4736818932/