Perfect for the girl with traditional tastes.
Maybe you have future plans such as buying a house together or having kids. Think about how the cost of the ring will affect those plans. How Much to Spend on an Engagement Ring. Most likely, you won't save money on the diamond as high-quality engagement-grade diamonds do not go on sale , but you could on the setting. Here are some good times to save a few bucks:. July and August are often slow months for jewelers, so you can expect to snag some discounts.
Avoid the period between Thanksgiving and Valentine's Day, as it's peak proposal season and jewelry prices are at their highest. You'll have gotten your tax refund by now and many stores are offering deals, particularly if their Mother's Day sales weren't as expected. Jewelers could run sales during this time on their fine jewelry, including settings and wedding rings.
But the inventory could go fast. Best Time to Buy Engagement Ring. If you don't have the cash saved up yet, you could consider financing the ring. But you have to be very careful as this could end up costing you more.
This is a good option if you have a plan to pay off the ring before it ends. You need to be careful with the fine print. Many of it is deferred interest.
This means that if you can't pay off the ring before the term ends, you will owe ALL the interest starting from the date of purchase. If you have bad credit, this is another option, though your interest rate will most likely be high. You'll get a fixed monthly payment and term. You can consider this if you don't qualify for a credit card. How to Finance an Engagement Ring. Unless she's got the perfect long, slender fingers, certain ring styles may not be especially flattering on her.
Below are some tips for different hand types:. To help short fingers appear longer, look for elongated shapes, like oval , pear, emerald , or marquise. Stay away from thick bands and large round or square diamonds. These fingers are perfect for a bold statement ring. A thicker band will also minimize the appearance of wider fingers. Stay away from thin bands and narrow diamonds, such as the marquise cut.
A more simpler design with a smaller diamond will look large on small hands. Stay away from statement rings and wide bands. Engagement Rings to Suit Your Hand. Diamond prices goes up exponentially as the carat weight increases. Diamonds are priced per-carat.
Whole carats and half carats can fetch a lot more. Look for a diamond just shy of a whole carat. Nobody can tell the difference between 0. A brilliant stone can hide color and flaws, so never skimp on cut. The better the diamond cut , the more visibly beautiful the diamond. A lot of times, a poorly cut diamond's weight is hidden at the bottom. So you're paying for something that nobody can see.
An ideal cut will ensure that your diamond appears the biggest face-up. Color has a huge impact on the diamond's price, but most people can't tell the difference between a colorless and near-colorless diamond. Clarity is not so important.
You just need a stone that is eye-clean. VS2 diamonds offer good value. Diamonds with fluorescence will be sold at a discount. But in many cases, fluorescence actually improves the color of a lower-color diamond.
Round diamonds are the most expensive. Diamonds certified by GIA and AGS will cost more, but you can be confident that you're getting the quality on the certificate. Jeweler markup has the biggest impact on diamond pricing. Prestigious brands and big-name jewelers all have very high premiums. Beginner's Guide to Diamond Prices. Scroll down to read the whole article, or, if you have a specific question, click on a link below to jump to that topic.
Buying online vs your local jeweler How much to spend Should you finance the ring? How to choose a retailer Know the return policy How to find her ring size How to find her ring style How to pick a diamond shape How to choose a diamond How to choose the setting Bonus Tip: A guide to diamond alternatives.
Do you already have your budget determined? Check out our in-depth guide to shopping for the best engagement ring at every price point. There are advantages and downsides to both ways. Buying in a store gives you more confidence because you can see what you're buying. But buying online can save you a lot more, allowing you to buy a bigger diamond. Online jewelry stores offer an unbeatable selection. You'll be able to find diamonds and ring styles at every price point.
This is particularly good if you have specific characteristics in mind or are looking for a particular style. For example, let's say you want an ideal cut diamond around 1. A jeweler may only have a couple of diamonds matching such specs in his collection. And you'd be forced to just pick the one that looks best. But an online store could have dozens even hundreds of options. You can spend time seeing which one you like best for your budget. A website doesn't have the same overhead costs of a physical retail store.
And another advantage is that many do not collect sales tax outside their state. It's also much easier to comparison shop online than it is to go to several physical stores. Online, you can take the time you need to choose a ring on your terms. Plus, if you are a less traditional couple LGBT, have a huge age gap, etc , you can feel comfortable shopping online instead of feeling the stares in a conventional jewelry store. A leap of faith: Buying a ring online means you can't hold a diamond up close to examine flaws or see how it sparkles.
Most sites let you custom build a ring but you won't know what the finished product looks like until it arrives on your doorstep. Make sure you understand the company's return policy in case you're not happy with what you get. One thing you could do is purchase the loose diamond online and have it mounted at a local jeweler. This way, you'll save some money on the stone itself and you won't be designing the entire ring blind.
But if you choose to do this, make sure that the jeweler you're buying the setting from is trustworthy. Some jewelers do not want the responsibility of possibly damaging someone else's diamond during the setting process. We recommend that if possible, buy your diamond and setting with the same jeweler. Can look at what you're buying: This is the biggest advantage. You can compare which diamond looks best in person. You can even save some money by choosing a diamond lower in clarity and seeing if you're able to see flaws with the naked eye.
Salespeople to answer your questions: You can have someone right there answering questions. A good jeweler will even look at diamonds with you with his professional tools. Having professional assistance like this could make you more confident in your purchase. You may feel more pressure: In some stores, you may have a salesperson following you around and we all hate that! You may be talked into buying something above your budget. But don't let the national average pressure you into spending the same amount.
It's more important that you're realistic about how much you can afford. You've probably heard of the commonly accepted " 2 months' rule ". This says you should spend 2 months' of your salary on the engagement ring. The sentiment is nice, but quite unrealistic for the average person.
On top of that, the figure was invented by diamond retailer DeBeers to make you spend more. So, what should you really spend? It's a personal decision. It depends on two things:. The right amount for you would be something that shows your beloved that you are serious about the commitment, but within what you can afford without going into debt. That might be the right budget for you. Remember, you have your future ahead of you.
You may want to start saving for a down payment on a house , your future children's college education , or your retirement. The last thing you want is to start off your married life being in debt because of the ring. A diamond ring is not an investment.
A diamond should be treated as a depreciating asset like a car. Look at it as simply a gift to your beloved to make her happy and show your commitment. If you're looking to build wealth, invest in stocks instead.
A diamond ring is a big purchase. The reality might be that you just can't pay straight up cash for one. Most of us have multiple loans already. And it may be unreasonable to wait until you're debt free to pop the question. In this case, borrowing money for the ring could be an option. Just make sure that you can pay it off within the term.
Don't think just because you're financing a ring, you can now go and pick out the largest, most expensive diamond out there. This will give you time to pay off the big purchase. Be sure you can pay off the full balance by the time the promotional period ends. If not, you can look into a low interest credit card instead. Many credit cards offer protection. This could come in handy if the retailer doesn't send you what you ordered or sends you nothing at all. You might be able to get rewards on your purchase.
Many cards offer rewards on your purchases. For example, some American Express credit cards a CreditDonkey partner offer additional cash back or rewards at select department stores, such as Bloomingdales which also happens to sell engagement rings.
Consider the retailer's financing option: Some retailers offer nice financing deals. But make sure you fully understand their terms. Often, you will need to pay off the purchase before the term ends, or you'd be charged ALL the interest from Day 1.
You can consider this route, but pursue it carefully. If you have saved up the cash, some online retailers will offer a 1. Not all jewelers are trustworthy or provide good service. Do some shopping around and see which retailer you feel comfortable with. Does the retailer get decent, credible reviews? You only want to work with retailers who get good reviews from happy, satisfied customers. How good is the customer assistance? Buying such a huge purchase is scary, so you want to make sure you can get help.
Does the jeweler take time to understand your budget and vision and make appropriate recommendations? A good jeweler will take time to educate you and let you examine diamonds with his professional tools. If you're shopping online, we recommend websites that use actual photos of the diamonds. This way you can "see" it for yourself. If you're not sure, make sure there are experienced reps ready to help you evaluate.
Our favorite online retailers like James Allen and Whiteflash provide actual photos of the diamonds. This way, you're not buying blind. How long has the retailer been in business? Make sure it's an established company. The last thing you want is to buy the ring and later find that the store has magically disappeared. What if you want to trade-up the diamond or need servicing? If the retailer has been in business for years, then it's likely they're staying put.
What lab grading does the retailer use? You want to make sure you are buying a certified diamond by a reputable lab. Stay away from jewelers who don't provide a lab report with their diamonds. It costs more money to get diamonds graded by them, so if a jeweler uses them, it generally means they're serious about their products.
Is the return policy clear and reasonable? How long does the warranty last? Some offer lifetime warranties, while some are just one year. Think about what you're okay with. Does the retailer have a lifetime exchange policy? If you're not happy with the diamond anymore at some point in your life and want something better, will you be able to make an exchange?
A trustworthy jeweler will stand by his diamonds and offer a lifetime exchange. Blue Nile 's wide selection of diamonds simply cannot be beat. They also have some of the most competitive pricing around. They are able to offer a huge selection because they do not actually own their diamonds, so the downside is that you won't be able to see actual photos of the diamond you're buying. James Allen takes the online diamond shopping experience to a whole new level.
They offer an HD degree interactive video for every diamond they sell. Certified diamond experts are available online to help you compare diamonds. You can be confident about your purchase as you can see the actual diamond you'll be buying. Whiteflash specializes in ideal cut diamonds. This means that the diamonds are cut in ideal proportions to reflect the maximum light which means more brilliant. Each diamond comes with actual photos and light performance imagery.
If quality and brilliance are your top priorities, we highly recommend Whiteflash. Don't forget about the wedding ring. You can score a huge discount by buying the wedding bands online. Confused about the difference between engagement ring and wedding ring?
Don't worry, a lot of first-time ring buyers are. Here's an article where we go over the difference. Blue Nile will send you a fully insured free shipping label via email. Items must be in their original purchase condition, including all product documentation. Free return shipping only applies to U. S customers and is limited to three per customer. Warranty Lifetime manufacturer warranty.
Terms and exclusions apply. James Allen warrant that all items will be free from any manufacturing defects at time of delivery. James Allen will repair and maintain your jewelry for a lifetime. Lifetime warranty offers free prong tightening, re-polishing, rhodium plating and cleaning services.
Buyback Diamond buyback program through Mondiamo based on market value. All engagement rings and wedding bands, excluding eternity bands and alternative metals, may be resized once for free within the first 60 days of purchase. The price of your new diamond must be at least twice the price of your original diamond. Your diamond must be in its original condition with the original diamond grading report.
The diamond that is being upgraded must be in original condition and accompanied by the original laboratory grading document. Price Selection Customer Service Data Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. There are many reasons why you may want to return a ring: But note that some rings may not be eligible for returns.
For instance, a custom designed ring most likely cannot be returned but the diamond should be eligible. Make sure you know how many days you have to return the ring. Factor in enough time to examine the ring and propose. If you're buying online, make sure you fully understand the process of a return. Some will say that it needs to be returned in original packaging, so do not damage the packaging when you open it.
Some jewelers will also require that you get a Return Authorization Number from them first and write it on the package. This may take a few days, so you'd need to factor that in. It may be tempting to buy from an online site like eBay and Craigslist.
You are at the mercy of the seller. There are reports of scams and rip offs. If the price seems too good to be true, it probably is. We recommend readers buy from reputable online diamond jewelers.
Before you purchase, first, you need to know what size ring you need to buy. There are certain settings that are hard to resize or require a custom fitting. So, you don't want to take that gamble if you can help it. After all, this is a piece of jewelry she'll wear for the rest of her life, so she wants to know she's getting a ring she'll love.
It's something to consider when deciding if a surprise proposal is the right way to go. If you are set on a surprise romantic proposal but ALSO want to make sure she gets the ring of her dreams, a good compromise could be to pick out the diamond and get it in a temporary setting. After she says yes, you can take your time looking for a permanent setting together.
Check out her jewelry box for any other rings she wears. If there's one that she doesn't wear that often, discreetly steal it.
You can then take it to a jeweler to find out the size or use a cool online tool like this one. If you can't get away with borrowing the ring for a bit, you can trace it carefully on a piece of paper. Be sure to trace both the inside and outside for accuracy.
While it may not be exact, it'll still give the jeweler a rough idea. Or you can slip the ring on one of your own fingers like your pinky and mark the place where it sits comfortably. Then go to a jeweler and try on different sizes until you find one that falls in the same place. Make sure you choose a ring that she wears on her left ring finger. If you're not sure which rings she wears on what fingers, start paying attention.
If she doesn't wear any rings, then you'd have to get more devious. When she's deeply sleeping, wrap a string not too tight! A jeweler should be able to tell you the size.
As a general rule, the average woman's ring size is 6 to 6. If you're not able to score any intel, you can use this as a guide. If you really have no idea, estimate larger and get it resized later. It's much easier and cheaper to make a ring smaller than bigger. But watch out, not all settings are resizable. Did you know the holidays are peak proposal season? Christmas Eve and New Year's Eve are two of the most popular days to propose.
This is actually one of the hardest parts for most men! This is a ring she will wear for the rest of her life, so it should match her personal style. How can you guess what she'll love? What is her personal style? Does she have an elegant, classy style? If so, she may prefer a classic round solitaire or a princess cut. Is she bohemian and free-spirited? If so, she may not even want a diamond or want a more unique shape.
Check out her current jewelry to get an idea of what she may like. What is her personality? Is she more reserved? Something with simple elegance may suit her well. Or does she love being the center of attention? Then she'll probably appreciate a ring with major bling like a halo.
Does she have a color preference? You'll also need to decide on the metal. Silver colored bands white gold or platinum are the most popular nowadays. They will always be trendy and classy. However, if you know she has more vintage tastes, she may prefer yellow gold or rose gold. Read about the differences between white gold and yellow gold. What is her lifestyle and career? This actually has a huge impact.
If she is very active, a high-set ring that's always getting caught on stuff will become super annoying. If she works with children, a ring with sharp corners won't be ideal. If she has a high-power career, it may be more important to wear something flashier. Think about her work and hobbies and what kind of ring will best suit that. What is her finger and hand type? Does she have tiny slender fingers? Or larger chubby ones?
Don't forget to consider her hand type! Believe it or not, ring styles make a difference to how flattering it looks on the hand. Read our guide on the most flattering rings for every hand type. As you can see, there is a lot to consider!
Are you overwhelmed yet? Don't worry, in the next sections, we'll go more in detail on how to pick the right diamond and ring for her. The first thing you want to do is decide on the shape of the diamond. This should reflect her personality. Here are some general ideas:. This will always be the most timeless and classic shape. Perfect for the girl with traditional tastes. If you are really clueless about what she likes, it's hard to go wrong with round. Edgy and contemporary, yet still feminine and delicate, this is perfect for the trendy girl.
Quickly becoming one of the most popular cuts, the cushion or pillow cut is great for the girl just slightly on the edge of convention. Oval diamonds are for the girl who appreciates tradition, but also wants to express individuality. They also make a woman's finger look longer and more slender.
Just like this shape, the wearer of a pear diamond is elegant but also has a lot of character. This is for the girl who loves attention and who's not afraid to stand out. A marquise diamond screams to be seen. The ultimate vintage cut, an emerald diamond is sophisticated and exudes old-world glamour.
Perfect for the girl who loves all things art-deco. The asscher diamond can be seen as a 21st-century update to the emerald. It's square-shaped and more sparkly. Ideal for the girl with vintage tastes, but also with modern flair. Somewhat a cross between the round brilliant, princess, and asscher cuts, the radiant diamond is for a girl just as unique as this cut is. It's also a good choice for active girls who prefer a square shaped diamond. Who else but for the hardcore romantics?
A heart shaped diamond is super sweet, just like her. To learn about each shape, read our full guide on diamond shapes , including special tips to watch out for with each.
You need to diligently do your homework and study up on the 4Cs. Diamonds can run from a few hundred dollars all the way up to millions of bucks.
If you have small wrists and want a metal band — check out this watch I personally own. It combines the characteristics I described above and the metal bracelet is proportionally smaller. As these components grow in size and thickness it gives the illusion of a larger watch. The important thing to notice with components is how they play into the other elements of the watch.
On the flip side if you have a 9mm thick watch with a 46mm case diameter and thin hour hands something might seem off as well. A winning formula would be to combine all of the elements together proportionally, guided by your personal preference and wrist size. FYI — If you would like to see these watch size rules in a easy to understand infographic — I created that for you right here! I personally have this watch from their collection and love how it proportionally fits my wrist and lifestyle.
Again — you have to be specific as MVMT has a wide range of handsome watches! Someone asks you the time. You raise your wrist and we see it.
On average, women’s ring sizes range from size 3 to size 9, and the most commonly purchased sizes range from 5 to 7; size 6 is the most popular. The average ring size for men ranges from size 8 to size . METHOD 2 Measure Your Finger With A Ruler. 1 - Get a non-stretchy string or paper about 6" long and 1/4" wide.; 2 - Wrap around the base of your finger. It has to fit snug, but not too tight. 3 - Mark the point on the string/paper where it overlaps forming a circle.; 4 - Compare the length of the string/paper to the chart. That is your ring size. *If you are between sizes, order a larger size. Avoid using string or paper to measure ring size as these materials can stretch or This ring sizer guide only serves as a referencing tool, for the 0 10 20 30 mm Measure the bar below. It must be exactly 30 mm long. HOW TO DETERMINE YOUR RING SIZE.