Engagement ring payment plan

Manta400r

Hi folks,


Im going to propose to my girlfriend soon and i'm just wondering is there any shops you can pay monthly etc or if theres a finance available!

Any help would be great as it would take me ages to save for a ring as my wages arent great but i could afford a weekly or monthly instsllment

Cheers

Moonbeam

Hi,

ok I really do not mean to be mean here but....

I would not get yourself in to debt over a ring,propose give her a token ring and then save up for the dream ring,are you going to get a loan for the wedding too?
Debt is no way to start married life together.

campo

Manta400r wrote: »

Hi folks,


Im going to propose to my girlfriend soon and i'm just wondering is there any shops you can pay monthly etc or if theres a finance available!

Any help would be great as it would take me ages to save for a ring as my wages arent great but i could afford a weekly or monthly instsllment

Cheers

I know there is shops that accept deposits and when full amount is paid you get the ring not sure about the finace part.
But my advise is to buy what you can afford you dont have to go for a big diamond thing , maybe buy a vintage ring that cost a lot less if she loves you she wont care about the ring she will just be happy that you want to spend the rest of your life with her

Manta400r

Oh yeah i know that, wedding wouldnt be for few years anyways and ill be debt free in 2 years approx, maybe less!!

Just wondering if theres anywhere where i could get her the ring and pay it off over a short period of time!

Thanks for the replies

tinkerbell

If what you're asking is that you pay for the ring in installments but get the ring when you want, then that's not possible .... you wouldn't get the ring until it's paid for.

Manta400r

tinkerbell wrote: »

If what you're asking is that you pay for the ring in installments but get the ring when you want, then that's not possible .... you wouldn't get the ring until it's paid for.

Yeah i know that im just wondering if there is a finance plan or something like when you buy a car?

Also would i have much choice with about a 2k - 2.5k budget?

newtothis

Yes you would have a very good choice with that amount, there is some fab rings out there for that price and less, most jewellers generally ask for 10%-30% deposit and the rest within 6 months.

Gatica

shop vintage and you can get lovely rings for 1.5k (albeit gold, not platinum). That would be a saving 125 a month for 1 year (I know it's easy to do the math, jut pointing out that it's doable if you wait and save). If you don't have the money for it, there's no point going crazy and all out. Our parents' generation very often had very simple rings, especially when they married young - nothing wrong with that.

Monife

Look out for sales in Jewellers shops. I am in a low enough paid job and hubby got let go before we got engaged last year so we were on a very tight budget. We got ours in Ernest & Jones for I think it was around €850 (with 5 year insurance) down from €1,500. It is 0.75 carat in total but it has a small diamond in the middle and then a shoulder of smaller diamonds.

tinkerbell

Manta400r wrote: »

Yeah i know that im just wondering if there is a finance plan or something like when you buy a car?

Also would i have much choice with about a 2k - 2.5k budget?

With a car finance plan, you get the car and pay it off over a number of years. The same doesn't apply for jewellery.

You'd get a lovely ring for 2k - 2.5k.

saa

Don't go for vintage rings if they won't fit, just my experience vintage rings can be rather petite that doesn't mean you wouldn't find the perfect one that fits though.

My partner drunkenly spilled the beans that he was surprising me with a ring this christmas, so now its out of the bag he said he wanted to spend 500, ive always said I wanted something plain or vintage but I think that's too much, I want a ring that will last and I like but I don't understand how people are investing so much to me its a symbol and token and the wedding is just a day I'm more focused on the rest of our lives,

Is it wrong that I'm not interested in a lot being spent on the ring or wedding, I don't even want a wedding just a small ceremony and a nice holiday.

Manta400r

Thanks everyone for the help, think ill buy her the token ring and then save for a bit & pay bit by bit off another ring if i havent enough!!

Thanks again folks

campo

Manta400r wrote: »

Thanks everyone for the help, think ill buy her the token ring and then save for a bit & pay bit by bit off another ring if i havent enough!!

Thanks again folks

Good decision and im sure she will love it and the best of luck with plans

Monife

saa wrote: »

Don't go for vintage rings if they won't fit, just my experience vintage rings can be rather petite that doesn't mean you wouldn't find the perfect one that fits though.

My partner drunkenly spilled the beans that he was surprising me with a ring this christmas, so now its out of the bag he said he wanted to spend 500, ive always said I wanted something plain or vintage but I think that's too much, I want a ring that will last and I like but I don't understand how people are investing so much to me its a symbol and token and the wedding is just a day I'm more focused on the rest of our lives,

Is it wrong that I'm not interested in a lot being spent on the ring or wedding, I don't even want a wedding just a small ceremony and a nice holiday.

No it's not wrong at all. I would be of similar views to you. Like I knew I wanted a real diamond/diamonds but didn't care of the carats, just wanted something that I liked and looked nice on my finger. Also had a very small wedding, 50 people for dinner at a local hotel and then back to my Dad's pub(with function room) for the afters. I always thought I wanted a fairytale wedding but when it got round to it, I was totally put off. Much prefer intimate, meaningful things.

Manta400r

She said YES!!! Woohoo! Was so netvous doing it, i brought to a lovely romantic place in inistioge in kilkenny and popped the question, she wouldnt believe it was real!!

Loves her token ring so now we're gonna start ring shopping soon

Thanks for everyones help

deskgirl

ahh congrats - enjoy the celebrations

Moonbeam

Aww:)
Congrats.