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Buying an engagement ring on a budget

Buying an engagement ring can be one of the most intimidating purchases a man makes (other than a house and a super fast sports car). There are several things you have to consider when shopping for that special someone. First you have to make sure the ring fits her finger, then you have to pick a ring that she'll like. However, the hardest part is paying for it. Budgeting for her engagement ring can be easy, if you know how to shop for it. If you don't have a clue on how to shop for an engagement ring, I've listed a few pointers on how to buy the engagement ring of your fiance's dream, while not going into debt.

Know the ring's value. Before you go out and purchase an engagement ring, know the four c's: cut, clarity, color and carat. Knowing the four c's will help you determine how much the ring is worth.

Plan for future expenses. If the two of you are considering buying a new house or car, take those things into consideration before you go out and buy an engagement ring.

Have a budget and stick to it. This may be the most important piece of jewelry you'll ever buy. Don't let the jeweler entice you to spend more than you can afford. If you can afford a nice ring, go for it, your wife will appreciate it forever.

Don't let the jeweler know how much money you really have. Always tell the jeweler you want to spend at least 10% less than what you really want to spend. The jeweler will always show you more expensive rings if they know you have a lot of cash to spend.

Buy the warranty. Buying a warranty is a good idea when buying anything that's expensive. You don't want the ring to get lost or stolen, and then have to spend the same amount of money for a new one.

Don't buy an engagement ring off the internet. You can go to the web site of a jewelry store and check out prices, but don't actually use your credit card and have them send the ring to you. It is best to take a look at the ring in person before you purchase it.

Buy a ring you think will look good on your girlfriend's hand. Don't let the jeweler tell you what might look good on your wife's hand. That's an easy way for the jeweler to sell you a ring that's really expensive.

Ok guys, use these tips when you shop for an engagement ring. Remember, you want her to have a really nice ring, so choose it with your heart, but make sure the ring you buy won't put the both of you in debt.

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