Whether you are proposing over a candle-light dinner or at a sunny beach, it is the proposal ring that will make all the difference! Of course, how much you love her is important. But, nothing reflects love better than a shiny, sparkly diamond!
If you are worried about how to get that perfect proposal ring without throwing your finances for a toss, here are some tips that will help you cross the bridge and get to the right side:
Do your research. If you are like most guys, you have no idea what jewelry costs. Go to one of the hundreds of jewelry stores online and check prices and patterns. You will quickly get an idea of how expensive it is and you will know how much you can afford right now.
Look For Gold Purchase Schemes
Most large jewelers have them. It allows you to put aside some money (say Rs 2000) a month for a set period of time. At the end of that period, you get 20% or so discount on your final installment. Therefore, you can buy jewelry at a little discounted rate as well as save money for your ring. This only works if you are willing to wait before you propose or have a formal engagement ceremony of course. It always helps if you start setting money aside the moment you have marriage on your mind, though!
If your mother or aunt is willing, why not give your fiancé a much loved and cherished piece of family history for an engagement ring? Of course, get it resized, polished or even altered in design slightly if you need to. Do not look at it like a hand me down, look at it the passing down of tradition and history. Your fiance might love to know about stories attached to that piece of jewelry.
Get a Personal Credit Line
A personal line of credit is a new concept where you get approved for a certain credit limit. However, interest is charged only for the amount you actually use and gets recalculated as you pay back. Unlike personal loans, there is no penalty for paying back earlier. Also compared to credit card loans, the interest rates charged by a credit line are lower.
It is an amazing feeling to start your love life with a wonderful proposal! Back it up with a beautiful diamond ring and you are good to go 🙂