Buying Diamond Engagement Rings on a Budget

Buying Diamond Engagement Rings on a Budget

Marriage is an exciting time in a couple's life. However, many men stress over purchasing diamond engagement rings. Not only do they fear picking a ring she will hate, they worry about how they can afford a ring that is still beautiful. Just because you're on a budget doesn't mean you have to settle for a cheap, ugly ring. Whether you go to Jared or diamond district jewelers in New York, you can find that stunning ring without paying half your salary.

There is a saying that you should invest about two month's salary for diamond engagement rings. There is no rule to how much you should spend. You need to be realistic and come up with a budget. If the ring you want means you can't pay the electric bill next month, then don't get it. You can finance a ring, but the payments and interest still need to be affordable. If it's going to take years to pay off, you're probably way over budget. Also find out if your fiancee likes diamond engagement rings. Some women prefer gemstones, which can be a lot cheaper.

Diamond engagement rings go up in price as the carat size increases. One way to save a little money without skimping on the size is to purchase a diamond that weights slightly less than the next even weight. Want a 1 carat ring? Go for a .9 carat ring instead. The size difference won't be vast and you'll save some much needed cash. Another good idea is to buy a ring that has several smaller diamonds rather than one large one. Even if they end up weighing the same amount, the larger stone will be more expensive because it is harder to find larger diamonds.

The budget conscious should decide if the diamond or the band is more important. Some women, though they may be hard to find, aren't as concerned with the size of the diamond and would rather have a platinum band which is more scratch resistant. If your gal would rather have a larger diamond, you will spend less money on a white or yellow gold band. Purchasing a diamond band is another option for women who prefer something a little different than a solitaire or princess cut diamond.

If you go to larger chain stores, there are often sales on many of the rings so you may be able to snag a good price. However, you should also include independent jewelers in your search as well. They may be more willing to work with you on a price. Just ensure that they are reputable jewelers. Get recommendations from friends so you can ensure you won't be sold something worthless. Don't settle for only going to one store. This is an important purchase and you need to be aware of all your options and pricing. Even with a limited budget, you can still make your future bride happy with a diamond engagement ring.

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