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Planning Your Engagement Ring – Part 3
The purchase of diamond engagement rings is possibly one of the most important purchases you’ll make, next to buying a home. Taking a moment to step back and plan finances will ensure that you not only find the ring of your partner’s dreams but make an astute purchase of high value. You need to educate yourself on what makes diamonds valuable, consider the size and shape of the diamonds and finally agree a top line budget figure.
How much to spend?
This is a personal decision for everyone and you will have to come to this decision between yourselves. It is commonly advised that you should aim to spend the amount of two month’s worth of salary. Diamond engagement rings are, in effect, investments but hopefully it will be something that you never sell on so there will be no return on it. Bear the following questions in mind as you start to search for the perfect ring:
1. How much can you truly afford?
2. Are you considering credit and, if so, how long will you be paying back the amount?
3. How high is the interest?
4. What other bills and costs will you need to pay for as you embark upon your new life together?
5. Do you need to make other large investments such as a house or car?
6. Is the expense of the engagement ring important to your fiancée?
Once you have answered these questions you can set your budget and look at Marlows selection of exquisite diamond engagement rings.
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