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Hey Ladies...just wondering how many of your FI or hubbys took out some sort of a loan for your ering? If so was it for the whole thing...half...a third...etc?
No loan here. He paid for it in full. It was much, much cheaper than most of the other ladies' rings though, otherwise it might not have been possible to pay it upfront.
My FI didn't take out a loan. He actually paid cash (there was some sort of cash discount).
No. I would have been very upset if he took out a loan to buy me a ring.
No loan here either, I would have felt extra-ordinarily guilty if he had taken out a loan to buy me my ring.
No loan here either. I don't actually have my ring yet but I know my guy feels very strongly about never buying things on credit (except the basics of course: house, car, school). I know he's been working his butt off to save for this ring, and we'll both be so glad that when I have it, it'll be ours free and clear :)
No, he didn't take a loan out to buy the ring. I would have been pretty upset with him if he had. Besides, my ring was not very expensive, especially in relation to what I've heard other people have spent.
He put it on his credit card. I think had we been together longer, he would have saved cash. But we were a lot like the Mary Janes, in that we met and fell - and just KNEW.
Nope, did yours @DRibeiro13?
My FI saved for a while and paid it all off in 2 payments (no interest). I was very happy with the result, and would have felt pretty bad if he had to take out a loan.
no loan, hubby's family is greek so they only believe in greek express..... thats cash to us normal people
Mine MIGHT be asking his parents for a loan to cover it (I'm not sure) but if he does he'll have it paid off in a few months; we would rather both wait, but our LDR means we have kind of a slim time frame. :)
Nope. He saved up for two years to buy the perfect ring and be financially self-sufficient. A ring is a terrible reason to take out a loan.
Mine is a no as well. We put in on the jeweler credit card.
No loan here, but I have an alternative ring (non diamond) so was not as expensive as I know some diamond rings are.
@Barista.. isnt that kinda a loan? unless you got an interest free deal that is
Nope, I would have killed him if he did. We paid for it together out of our joint savings.
I am not engaged yet...so no...I was talking to my friend about it and she said it was pretty common. I wasnt sure...I have no idea if BF plans to or not...but i just wanted to know...isnt using a credit card about the same though? Arent credit cards technically a loan? Im just surprised i guess that every guy had X amount of money lying around!
No loan. Not his style -- and not in the spirit of things, for us. (Actually, we have what I affectionately like to call "the world's smallest engagement ring." So it wasn't expensive at all. I couldn't compete in the ice-cube competition, anyway, so why try? i'd rather have something non-trendy anyway.)
My ex-fi put it on his card and then decided he didn't want to get married the same friggin' day that he asked me, so karma was a bitch to him and he ended up paying for it long after we were no longer together :D LMAO sorry to laugh but that cracks me up still, serves him right.
eta: i think it's a fairly normal thing for them to put it on a card of some sort when they pay for it. but some guys feel it's important not to go into debt when beginning their lives together. it's the same do we take out a loan for our wedding or pay in cash. it's a very personal decisions and based on each couple and situation.
No loan. I would have been upset with him if he did, I think.
We didn't do a loan. I don't think very many do. I know my guy said he waited so long to propose because he needed to save and buy the right ring.
I would be furious if he did that - but that's our own personal values. Especially because I don't care much about fancy jewelry and I care a lot about these kind of financial decisions.
I think its kind of hard for a lot of guys to take a loan if they know they have a wedding and a house to pay for. In our situation, my guy knows we will pay for the wedding ourselves, and knows that we are going to try to buy a house next year. That is a lot of money! No reason to go into even more debt for a ring.
no loan but practically everyone else i know did that but mine is not a diamond and less expensive than most of theirs
Nope, we saved up. I cooked a lot of dinners at home to earn that ring, instead of spending the money to go out to dinners.
No loan here. He doesn't believe in loans except mortgages and cars. He doesn't even own a credit card which is probably no good.
@crebre80...best answer! I think it does depend on the couple and im really trying not to judge either way...and who knows what my BF will end up doing! I dont think its as horrible as some here have made it seem like...but probably not the best way to start all the wedding planning and house buying etc.
I don't think it's a bad thing if someone's ring was bought with a loan, I agree that it depends on each couples situation :)
My fiance paid half in cash (deposit) and charged the rest and is now paying it off himself.
No loan, paid it on his CC and then paid it off in full at the end of the month. He'd been saving without me knowing.
No loan - I would have been pretty upset if he had because personally, I'd much rather have a smaller debt-free ring than something that he went into debt over.
No, he paid for the ring in full - BUT, we have been together for 5 years, so he had a little bit more time to save for it than a lot of engaged couples.
My guy brokered the ring into an awesome deal! Tony found a local Bay Area jeweler who will retain the full value of all of their diamond engagement rings. Then he purchased a ring off of Craigslist from a dude who wanted quick cash from an unfortunate break-up. The value of the ring was about $4K, and Tony paid about $2.5K cash. They went to the jeweler and Tony "traded" it in for a different ring (CL ring was solitaire) and paid the difference.
As much as I love the ring, I loved the fact that he was smart about buying it. I felt a little bad about him eating nothing but instant noodles for 6 months, but he gets a nice meal now!
No loan. We went with a local jeweler and we started paying at the beginning of the process (custom ring) and paid the final balance the day he picked it up. It was about 3 months from beginning to end.
He had a ring from a previous relationship so he traded it up and got a loan for the difference. I love my ring and it's at 0% interest so it works for me!
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