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John Vargas October 30, 2017
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Fashion Trend

How To Decide How Much To Spend On An Engagement Ring

Buying an engagement ring is a huge financial decision and you want to make sure that you are making a good decision before you buy your ring. When it comes to choosing how much you should spend, it is going to depend on your budget and whether you want to go into debt or not.

How to Save Money on an Engagement Ring?

The first place you start is with your budget. Knowing what your budget is will save you time and save you from looking at rings that are out of your price range. You don’t want to waste time looking at rings that are out of your price range because you are only going to get tempted to spend more than you really can afford and that is not going to be good for your finances. Search on the internet –How to Find Jewelry Stores near Me Now to get a ring in budget without any time wastage.

engagement rings how much

A good rule of thumb is to never spend more than three months of your salary. You should spend even less than that if you are trying to save money. Once you know what your budget is you can start looking for rings. Plan to buy the best ring that you can find in your price range and see if you can get a discount.

When you see a ring you like, try to see if you can buy it somewhere else for cheaper. This is another way to save money. You should also decide if you are going to pay cash for the ring or use credit. If you buy your ring with cash, you are not going to have to pay interest on the ring. This will save you money over the long term and you won’t be going into debt when you start your marriage.

How To Finance An Engagement Ring?

If your finances are an issue you can buy the ring on your credit card. Try to use a credit card that has the lowest interest rate. If you buy the ring with a high interest credit card you are going to be paying a lot more for the ring. The higher your interest rate, the more the ring is going to cost you. Save money by trying to get the lowest interest rate possible.

The engagement ring is a big investment and you want to try to get the best financing that you can. Pay in cash if you can because you won’t have to deal with the interest on the ring.

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