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Started By
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Engagement ring question
Posted on 12/13/12 at 8:45 am
Posted on 12/13/12 at 8:45 am
i know it's been hashed out before on this board, but i'll ask it anyway.
did you guys buy it cash/credit, or did you go the finance route?
did you guys buy it cash/credit, or did you go the finance route?
18
Posted on 12/13/12 at 8:48 am to The Egg
cash
Posted on 12/13/12 at 9:44 am to The Egg
Most of these people here are going to act like they dropped 8K for a ring and paid cash for it like they're some ballers, all while living in a studio apartment.
Smart money would be to save, buy wholesale, save money through a private jew-ler. Never finance anything that doesnt appreciate in value.
Smart money would be to save, buy wholesale, save money through a private jew-ler. Never finance anything that doesnt appreciate in value.
This post was edited on 12/13/12 at 9:45 am
Posted on 12/13/12 at 9:54 am to The Egg
Set a reasonable budget for yourself and pay cash. She won't mind.
Posted on 12/13/12 at 9:59 am to The Egg
quote:
did you guys buy it cash/credit, or did you go the finance route?
Cash for this reason, Blue Nile cuts a small % off for wiring them the money. More $ saved than just getting the points on my CC.
It was around $7,300 and only had that $ since I was doing well after my deployment. At that time I had around 40k in the bank. No way could I have done so at any other point in my life.
I thought it was an absurd amount of money but I love her like crazy and glad she's happy. I didn't have a doubt in my mind it was a wrong move so I'm good with it, the ring is the tits. You'll learn a lot about diamonds in the process. I talked with Blue Nile's people over 3 hours total on multiple occasions.
It was a great shopping experience with them and highly recommend. The diamond I ended buying was $1500 cheaper than the one I had my eye on for a while. They buy diamonds like a market goes. Meaning spending more on a certain diamond may not mean it's a nicer diamond, the market caused them to purchase that specific diamond at a higher cost. Let them help you out for knowledge anyway.
Steer clear of the big box stores for the most part, imo.
Good luck and congrats!
Posted on 12/13/12 at 10:00 am to The Egg
congrats Egg!!!!
Posted on 12/13/12 at 10:03 am to The Egg
It's too bad JerseyTiger doesn't post here any more. He'd tell you how "fricking stupid you are for buying a diamond ring, you stupid cu*t!!!"
Posted on 12/13/12 at 10:21 am to The Egg
I just went through all of this. The jeweler I went to provides financing through Wells Fargo.
Wells Fargo provides financing on jewelry at 0% interest if paid in full within six months. After that, the full amount borrowed (not the amount outstanding) gets something like 25% interest.
I went this route. I will pay it off in February.
ETA - I hate diamonds. So does my fiance. We got a sapphire.
Wells Fargo provides financing on jewelry at 0% interest if paid in full within six months. After that, the full amount borrowed (not the amount outstanding) gets something like 25% interest.
I went this route. I will pay it off in February.
ETA - I hate diamonds. So does my fiance. We got a sapphire.
This post was edited on 12/13/12 at 10:22 am
Posted on 12/13/12 at 10:40 am to The Egg
Aucoin Heart had 0% for 12 months when I bought mine. Just spread the cost out over the year.
Posted on 12/13/12 at 11:28 am to The Egg
At the time I was right out of school and didn't have much money. Thus I bought it on credit at 0% interest. It was my goal to pay it off before the wedding, so I really sacrificed and cut back spending to make it happen.
Posted on 12/13/12 at 11:32 am to The Egg
BEGIN AS YOU MEAN TO GO ON.
Imprint this on your brain. If you want to fuel expectations of big gifts for every gift giving occasion, then by all means buy an engagement ring.
If this is your choice, then check out the local pawn shops. My friend has been buying some very good diamonds in pawn shops lately. She takes the diamonds out of setting and has a local jewelery designer re design. Of course, she has her own loupe also.
Imprint this on your brain. If you want to fuel expectations of big gifts for every gift giving occasion, then by all means buy an engagement ring.
If this is your choice, then check out the local pawn shops. My friend has been buying some very good diamonds in pawn shops lately. She takes the diamonds out of setting and has a local jewelery designer re design. Of course, she has her own loupe also.
Posted on 12/13/12 at 12:10 pm to The Egg
Small family owned jewelry store in my hometown... Fraternity Brother parents own it... Paid 8k in four installments no interest.
It was more like lay-a-way than anything else
It was more like lay-a-way than anything else
Posted on 12/13/12 at 12:56 pm to The Egg
quote:
Engagement ring
I stopped there...prayers sent
Posted on 12/13/12 at 1:58 pm to The Egg
quote:
Engagement ring question
quote:
did you guys buy it cash/credit, or did you go the finance route?
Cash.
Financing a ring is not a good way to start out a marriage. Financial stress is the # 1 cause for divorce.
This post was edited on 12/13/12 at 2:03 pm
Posted on 12/13/12 at 4:12 pm to The Egg
Lucy's ring cost 100 bucks. My ring cost 50. We don't give a shite about rings. We celebrated our 18th anniversary a week ago. It went like this:
Me: "Lucy, we've been married 18 years now."
Her: "MmmmKay, let the dogs out so they'll stop barking."
Me: "Lucy, we've been married 18 years now."
Her: "MmmmKay, let the dogs out so they'll stop barking."
Posted on 12/13/12 at 8:14 pm to The Egg
(no message)
This post was edited on 12/20/12 at 9:11 am
Posted on 12/17/12 at 10:50 am to The Egg
Cash, if you have to finance you should either wait or find a new girl
Posted on 12/17/12 at 1:26 pm to The Egg
quote:Financed it. Only b/c I got 6 months no interest. I went in with the expectation of paying cash, but I couldn't pass up the 6 months no interest
know it's been hashed out before on this board, but i'll ask it anyway.
did you guys buy it cash/credit, or did you go the finance route?
Posted on 12/17/12 at 2:39 pm to The Egg
congrats bro!
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