Even though these pieces of jewelry could be very expensive, there are ways to manage costs. Consider the following steps.
Make a budget
Determine how much you can afford to spend. Start with what you’ve already saved, if anything. Would your current savings pay for a ring you’d both be happy with? If not, look at how much you can set aside per paycheck and how long it would take to save up enough for that ring. Then, you’ll have a rough idea of your engagement ring budget and buying timeline—or motivation to choose a lower-priced ring. It’s not wise to go into debt to buy a ring, even if the one you can afford isn’t the most extravagant.
Consider alternative gems and metals
A flawless diamond set on a platinum band is a classic choice—for a high cost. You already know about more cost-effective metals. Luckily, you have more options than just diamonds for a center stone. Colored gems, such as rubies, emeralds, and sapphires, could be less expensive than diamonds and more distinctive. If you’re buying a ring for your partner, talk with them first about what they’d want it to look like before you assume they’ll gladly wear a bright-red stone. If your partner has their heart set on a diamond ring, a lab-grown diamond could save a lot of money, if they don’t mind the faux factor.
Shop around
Like any other big purchase, comparing multiple sellers’ prices could help you find the best deal. You also might want to consider timing your purchase to sale days. There might be discounts on Black Friday and in the couple weeks ahead of Valentine’s Day. Just remember that your ring might not be ready for a few days to a few weeks after you buy it, since it could take time to produce, size, and deliver it. Allow even more time if it’s a custom piece.
Bundle your engagement and wedding rings
An IRL jeweler might be willing to give you a package deal if you buy all the rings from them instead of just an engagement ring or just the wedding rings. The deal might be even sweeter if you buy other jewelry, whether for the wedding or not, through this same retailer.
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