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How Much Should I Spend on an Engagement Ring?

How Much Should I Spend on an Engagement Ring?

Engagement ring shopping can be one of the most exciting experiences for a couple! While this is a milestone many people are excited to reach, it’s important to be mentally and emotionally prepared before you start the buying process. You should start by asking “How much should I spend on an engagement ring?”

How much should I spend on a engagement ring
4.52ct Brilliant Round Diamond Solitaire Engagement Ring

Spend What YOU Can Afford

You never want to purchase an engagement ring that will leave you in an uncomfortable financial situation. Remember, an engagement ring is meant to symbolize your commitment and love to your significant lover. It’s not meant to put you in financial stress!

Make sure you’ve reviewed your current debts and income, even before setting a budget and visiting a jewelry store. Of course, this will be different for every couple. As you sort through your finances, give yourself a ballpark estimate on what amount you’d feel most comfortable investing in an engagement ring.

If you feel uncomfortable reviewing your finances on your own, it’s a great idea to contact a financial planner to give you some advice on a reasonable budget to set. They will be able to guide you during this process.

What is your fiancé-to-be expectation?

Being proposed to can be one of the most exciting milestones in a persons life.

Be sure you’re on the same page as your partner. You wouldn’t want to ruin the moment by doing the wrong thing. If your partner expects an extravagant engagement ring, it might be helpful to talk about finances before shopping. In todays modern times, there are couples who are open to splitting the cost between both of them. Simply ask them “How much should I spend on an Engagement Ring?”

Three Months Salary Rule – Is it outdated?

If you’ve done any online research so far, you’ll most likely come across the two month salary “rule”. This rule was created by De Beers marketing team after

Let’s do some simple math. If you earn $60,000 a year, you’d be expected to spend $15,000 on an engagement ring. If that sounds like a reasonable amount for you, then stick to this guideline. For most people, this is not a comfortable budget. Therefore, we say calculate your budget based on your current income, debts, and desires.

Prioritize! What’s most important to you?

Priorities differ from couple to couple. Perhaps you dream of putting down a large down payment on a house over purchasing a large engagement ring. Or vice versa!

There are diamond “alternatives” such as moissanite and manmade diamonds which can significantly bring down the final cost. You don’t have to sacrifice on quality if you have a lower budget.

What is your lifestyle?

This portion of the engagement ring shopping often goes unnoticed. If you’re soon to be fiancé lives a very active lifestyle, it might be a clever idea to purchase a smaller center stone. A smaller center diamond reduces the chances of an engagement ring getting damaged by outside activity. There are a few couples who even decide to get rid of the engagement ring all together, and stick with wedding bands. Discuss these options with your partner!

Is Bigger Better?

Often times, designing an engagement ring filled with sentimental qwerks that will tug at her heart strings. That being said, bigger carat weight isn’t always what she wants. There are ways to personalize any ring without a large center stone.

How do I Save up for an engagement ring?

Try working backwards. Once you set your budget, figure out a timeline for your proposal date. Divide your budget by the number of months you have until your proposal day. Keep in mind, it could take up to a month to create an engagement ring, especially if you’re hoping to create a custom design.

So for example. Let’s say you have set a budget of $5,000 for your engagement ring, and want to propose in 5 months. You should plan to save $1000 a month. Make sure you contact your jeweler and ask if any financing is available if you’re not able to save up before your planned proposal date. Keep in mind, wholesale jewelers like Diamond and Gold Warehouse offer better prices than most jewelry stores, but typically do not offer financing plans. It’s a great idea to discuss payment during the beginning moments of your appointment. We hope you now know “How much should I spend on a Engagement Ring?”

Contact Us: (972) 404-4499

Engagement Ring Shopping

Engagement Ring Shopping

There are many traditions being broken in the wedding industry. Women are opting to keep their last name, and some are keen on ditching the idea of a white dress. Here are a few new trends we’ve seen when it comes to engagement ring shopping.

It’s normal to shop for the ring together

As tradition goes, the groom-to-be takes up the responsibility of choosing the engagement ring for his future fiancé. With so many jewelry designs and styles available, this can quickly become an overwhelming task.

Shopping together takes the pressure off when having to choose the perfect ring without the insight of your significant other. Ring shopping together gives you an opportunity to choose specific styles that represents your everlasting connection.

Since this is a big investment, it’s a great idea to get exactly what you want the first time around. If you’re still looking to be surprised, suggest certain elements you MUST have, and leave the rest up to him!

The Center stone doesn’t have to be a Diamond

With cost-conscious movements like Tiny Homes, you can see there’s a big wave of people looking to save money on big investments. While diamonds are the most traditional route, a great way to save costs on your engagement ring is by choosing a Gemstone as the center stone.

Popular gemstones include (but are not limited to) sapphires, pink moissanite, and amethyst.  For those who lean towards very unique center stones, there are about 130 species of gemstones to choose from. While a gemstone can add a fun pop of color to your ring finger, it’s a smart way to save on costs.

Non-traditional Stone Shapes are Trending

Engagement rings have become a way to express your personal style. While Oval Cut and Round Cut diamonds will always be popular for its timeless aesthetic, it could be worth your while to choose a diamond cut that is less expected. Keep in mind, trending diamonds usually see a spike in price. As the market fluctuates, browse diamond cuts that have been overlooked.

Take for example the Marquise Cut diamond. This particular diamond cut has the illusion of appearing larger than its carat weight. Its unique shape is unexpected, yet elegant. Shopping for non-traditional cuts has the potential to save you money in the long run, and is a great way to express your individuality.

Splitting the Cost is an option

Engagement rings can be an expensive investment! While this is a controversial topic, more couples are having the conversation to split the cost. Some women agree to contribute, relieving their partner of any financial pressure. Other women don’t find it appropriate and see an engagement ring purchase as the duty of their spouse. Whatever your perspective is, it’s best to open the conversation and see what your partner stands on this matter.

Guys can wear engagement rings too

This switch in tradition has slowly gained popularity within the past few years. It has become more common to find men are equally as interested in showing off their commitment before the wedding day, just like their bride-to-be. The rise of “man-gagement” rings can surely be a new trend to come, as more woman want their partner to be more inclusive in the engagement process. And as an added bonus, the price for men’s wedding bands is far more affordable than an engagement ring.

Engagement Ring Do’s and Dont’s – 10 Tips

Engagement Ring Do’s and Dont’s – 10 Tips

1) DON’T – Ask about price

It’s always so exciting when someone close to you gets engaged! Although it’s never appropriate to ask the two love birds about the price tag. Instead, ask questions geared towards their proposal experience, or how the couple came up with the final ring design. Because in the end, the ring is a symbol of their love and commitment to each other.

2) DO – Tell your spouse if you don’t like the ring

With the endless options available in the jewelry industry, it can be an overwhelming process to choose the perfect ring for your spouse. With that said, it is possible to make a design decision that might leave your partner feeling disappointed. If you have been proposed to and do not like your engagement ring, never bite your tongue on this matter. It’s better to be honest upfront to prevent future resentment or arguments. Engagement rings are big investments and it’s important you wear a ring that you’ll be proud to wear for a lifetime. If you are particularly picky, perhaps discuss shopping for the ring together.

3) DO – Clean your ring regularly

Your everyday activities can affect the sparkle and shine of your ring. Anything from applying lotion, to sweating at the gym, all these factors build up germs and contribute to the dullness. There are gentle at-home remedies to clean your ring, but it’s always recommended to drop off your ring at the jewelers for a professional cleaning at least once a year. Another pro when dropping of your ring at the jewelers, is they will take the time to replace lost stones and fix loose prongs.

4) DON’T – Travel with your ring

It’s always a good idea to leave your diamond jewelry safe at home when traveling. Adjusting to different temperatures and environments can cause your finger to swell/shrink, which can easily cause your ring to discreetly slip off. If you do decide to travel with your ring, know when to wear it. Keep your engagement ring locked up in the hotel safe when going on outdoor activities and adventures. If you want to keep your ring at home while traveling, but don’t want to flaunt a bare finger, wear your wedding band.

5) DON’T – Be careless, diamonds CAN chip or fracture

Diamonds are known to be the hardest naturally occurring surface on earth. Do not be fooled by this definition. It is possible to accidentally chip or facture your diamond, as they are not truly indestructible. If your engagement ring is features a high mount, be especially careful when engaging in daily activities.

6) DO – Insure your ring

Accidents happen all the time. Whether you are at a restaurant and take off your ring to wash your hands, leaving it on the counter, or the center stone falls out – you never know what can happen. Just as you would get home insurance or car insurance, it’s important to protect your investment. We suggest you purchase insurance immediately after leaving the jewelry store. Your jeweler will provide you with an appraisal that will prove the rings value, which you then will submit to your insurance. It’s recommended to protect your investment sooner than later!

7) DO – Keep an eye on the setting

Are all your pave diamonds still in place? Is your center stone loose? It’s important to pay attention to your ring as occasionally the prongs could potentially loosen up. Regular maintenance is key to keeping your ring looking brand new for years to come!

8) DO – Set a reasonable budget

You’ve probably been dreaming of your engagement ring for a long time and want it to be perfect in every way. It’s important to set a reasonable budget before entering the jewelry store, as you can easily get distracted by options outside of your means. It is the responsibility of a trained professional jeweler to guide you towards engagement rings that keep you within your budget.

9) DON’T – Shop for loose diamonds online

While you might find low prices online, be weary. There is innovative technology which allows you to view a diamond with high tech 360 cameras, providing detailed angles and magnification. And while the pictures look great, and the specs seem perfect on paper, a diamonds essence is better seen in person. You never know what you gravitate towards until you see it in person. Shopping online is a great way to do research. When it comes to the final purchase of your loose diamond, be sure to contact a trustworthy diamond jeweler to assist you in your engagement ring shopping.

10) DON’T – Take your ring off frequently

There are certain situations where you should definitely take your ring off. For example, applying lotion to your hands could cause this lotion to pile up on your stone. But keep in mind the more you take off your ring, the more opportunity you have to loose it. Try your best to keep your ring on at all times to prevent loosing it!

Unique Wedding Bands for your Engagement Ring

Unique Wedding Bands for your Engagement Ring

Rose Gold and Yellow Gold Stack

Here’s a very classic, yet flirty way to enhance your diamond engagement ring. Create your stack using both yellow gold and rose gold diamond bands. For best results, be sure to have your jeweler match the bandwidth to your engagement ring. This will give the illusion of a wide band engagement ring.

Ladies 14k Emerald Eternity Diamond Ring

Emerald diamonds are the most elegant diamond cuts. This chunky diamond ring is one of our most popular diamond rings.

14k Gold Alternating Sapphire and Diamond Band

Looking for something blue? Blue sapphires are among the most popular gemstones.

Blue sapphires are very popular among royal families. This sapphire diamond band is the perfect addition to your very own personal crown jewels.

1.00cttw Marquise Diamond Anniversary Ring

This diamond ring is perfect for the edgy bridge! Marquise diamonds have a narrow shape towards the ends and becomes fuller in the middle. The best part – this elongated diamond shape usually appears larger than its carat weight!

Custom Baguette and Round Diamond Eternity Band

This dazzling diamond band is a custom creation! This wedding band is both elegant and modern.

CONTACT US – (972) 404-4499

Jewelry Every Woman Should Have

Jewelry Every Woman Should Have

As with fashion where every woman needs specific items for her wardrobe every woman needs specific jewelry items. We’ve come up with a list based on fashion and jewelry experts of what every jewelry box should have.

Diamond Stud Earrings

Hoop Earrings

Diamond Hoop Earrings 5/8ctw

Diamond Solitaire Pendant

Tennis Bracelet

14k Prong Set Round Diamond Tennis Bracelet

One of our most classic diamond bracelets, this prong set bracelet is truly timeless. This diamond bracelet is available in 11 sizes, ranging from 2.50cttw to 13.50cttw (2mm to 4.5mm).

Gold Bracelet

Gold Chain Necklace

Your Most Flattering Gemstone

2.55ct Oval Pink Tourmaline, 18k White Gold

The History of Birthstones

The History of Birthstones

their beauty but also on account of their virtues, as transmitters of good luck and to avert misfortune. The association of Gems with power, civil and religious adds to the mystery in the history of birthstones.

The history of birthstones involves the lives of many historical figures as Precious Stones are seen as signs of power, wealth and luxury. The history of birthstones and precious jewels have therefore played an important part in the lives of the great, not only on account of their beauty but because they contained the equivalent to a large sum of money and in times of danger could easily be concealed and carried from place to place.

Continue reading “The History of Birthstones”
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