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What do you need suggestions for? Places to buy stones? Whether or not to get a sapphire or topaz?
I have a white sapphire stone in my ring and I love it. But really matters is what your wife wants. Definitely don't try to pass the sapphire or topaz off as a diamond. Talk to her and see if she's willing to wait for the upgraded stone. Maybe she's willing to accept a tiny stone if it's the yellow diamond?
I have a sapphire engagement ring and I love it. In my case, I had told my fiance that I didn't want diamonds. Depending on your girlfriend, you may want to ask her or see if you can figure out if she wants a blue sapphire. I wouldn't recommend surprising her with a sapphire but you can look at some gorgeous rings!
Mine is from www.myjewelrysource.com and they have a lot to choose from, not only sapphires but the other gemstones you mentioned as well.
Here's a pic of my ring. I know you can see my camera in the shot, I was playing around and don't have a better picture right now:
I have a sapphire engagement ring also. And I totally love it! My case is similar to mary-alice-me's. My (now husband) knew that I did not want to wear a diamond.
I have a Ceylon Sapphire. The only way you are able to see blue is in natural light! My husband also purchased the sapphire seperately and had it placed in a setting.
Good luck!!
BlueCeylonSapphire.jpg (30.9 KB, 162 downloads) 3 years old
Sorry for all the added punctuation. I have no idea why it posted that way :(
My fiance thinks diamonds are boring. I can't say I agree, but he was so excited by the idea of a sapphire that I was easily convinced. We were able to find an antique setting (something we both felt strongly about) that did not have a center stone. So we bought a new sapphire to go in it.
For some reason, I can't get the pic to work, but it's here
Yellow diamonds are VERY expensive. You can find loose stones online and around, though, for decent prices. Depends on what your budget is.
I think you need to find out why she specifically wants a yellow diamond. Is it the color yellow she wants? Or is it the fact that it's a *fancy* diamond? I wanted one until I realized it was like, double the cost of a white diamond....and I would have rather had a bigger white diamond than a smaller yellow. Just me personally. I'd find out if she'd be ok with a non-diamond ring for now. It's the sentiment that counts I think. Otherwise, I'd say she'll have to settle for something small with an upgrade later, which is totally ok! Something to look forward to.
Honestly though, if she's just set on something yellow and sparkly, you can find some awfully nice *CZ* stones (i have a 2 carat canary that looks incredible, i still cannot believe it was $20, lol) in a moderate size, maybe 1/2 carat or 1 carat and trade it in for a real one in a year. Nobody has to know if that's something that would bother her. If that feels too "cheap", then there are lovely alternative stones out there that can still satisfy a woman's desire for something pretty on her left hand
The color balance in the bkgd of this photo is kind of weird, but this is my sapphire engagement set (didn't want a ring). This is pretty much what the color looks like when they catch the light, though. I think that the color of sapphires gets set off better with some diamonds nearby, but my FI has issues with the diamond trade and I didn't want anything too busy. Of course, I think the set is absolutely stunning. And I love the simple solitaires b/c when they do catch the light there's nothing to detract from how beautiful these stones are.
Picture_9.png (148.5 KB, 188 downloads) 3 years old 
Why not get the yellow sapphire set just as she would have a yellow diamond and do an upgrade later when finances allow. Your original stone would make a lovely pendant later on. I hadn't seen yellow sapphires before your post, but I found this site and thought they were beautiful. What's important is your love and commitment. I wouldn't keep it a secret from her though, let her in on your plan and the two of you can decide whether or not to tell everyone. It's also important so that she will care for the stone appropriately.
I would find out why she wants the yellow diamond - but I wouldn't just assume that she wants any yellow stone.
I personally wanted a white diamond for my E-ring because I collect gemstones and have them set into jewelry as a hobby. SO I already have several gemstone rings and I wanted a diamond rather than a stone I already have like sapphire/topaz/ruby/amethyst, etc.
If you want to get her a colored stone you could always get it for her "something blue" - that's what my husband did. He got me a London Blue Topaz with diamond accents set in white gold for my birthday right before the wedding to wear as my "something blue". But you could do it for her as her "something new" if she wanted a yellow stone.
Good Luck!
unity_candle_stand.JPG (2557.1 KB, 45 downloads) 1 year old 3_inch_floating_candles.JPG (2642.6 KB, 37 downloads) 1 year old 
I think its a little ironic that yellow diamonds are so costly, yet people pay big bucks to have diamonds that are colorless. If it has the slightest tinge of yellow people discard it as no good...
I really think she'll love whatever you can afford. Sometimes brides-to-be can get a little caught up in the excitement & anticipation... I was so selective over my e-ring but when he finally proposed I couldn't have cared less whether it was the ring I had picked out or a ring pop!
I'm sure she'll love whatever you choose :) Good luck & sorry I can't offer more help.
Liz_003.jpg (3576.9 KB, 73 downloads) 1 year old 
I have a sapphire ring getting finishing touches right now! I've always wanted one.
Whatever stone you get, make sure it is very hard (9 or 10 on Mohs scale). That way she can wear it every day.
My FH was planning on a diamond, but I said that I'd really like a sapphire. So I picked the stone, and he picked out the setting, had it engraved, etc. I LOVE what he came up with. He said he liked the setting because he thought it looked classic and wouldn't go out of style my whole life. I tend to agree, but I'm biased :) I think sapphires make lovely engagement rings.
@mary-alice-me:You have a three-stone setting, too! Yay! It's lovely!!
Argh, for some reason my pic won't upload.
Anyway, if what she wants is a yellow diamond, then a yellow sapphire or topaz is probably your best bet. But be honest about what kind of stone it is, and maybe offer to 'upgrade' it on your 5th anniversary if she still wants it at that time.
I've never thought about getting a non-traditional non-diamond engagement ring until my fiance popped the question with a family heirloom and it was a sapphire ring! It belonged to his beloved grandmother. He game me a choice; if I wanted my own diamond ring he'd get one, but this one meant the most to him. After I saw the ring, I was a convert. :-)
So I voted for "I would be happy either way! It's what the ring represents that matters most."
ring1.jpg (29.6 KB, 144 downloads) 2 years old
I agree with the posts above - talk to her about what she REALLY wants - a bigger substitute or a yellow diamond. They are beautiful, but also VERY pricey! I got a traditional diamond (what I wanted), but my fiance sent me a million pictures and links to really understand the style I wanted (modern with a bit of vintage details), it's okay to talk to your future wife about her likes/dislikes!! :) Good luck!!
I agree with others that you need to know why she wants a yellow diamond or does she just want a yellow stone.
I didn't want a diamond. I specifically wanted an Aquamarine because that is my birthstone and I already have several pieces that I can wear with it. Also, it is my FI's birthstone and we met on his birthday. So it just really made sense to me.
We got my ring at Tiffany Co. because when we saw it we both loved it more then the other rings we looked at.
Check out pricescopes.com. When we did the research for my ring it was really helpful. I learned that the darker the shade of blue aquamarines are rare. But I also learned that some places use lab techniques to get stones different colors. So that's important to know so you don't overpay for a stone that has been treated when you thought it wasnt etc.
DSC05795small_closeup.jpg (94.3 KB, 134 downloads) 2 years old 
I love non-traditional rings! Especially blue sapphire and aquamarine. You can always get her a different center stone or ring for an anniversary. Ask her how she feels about non-diamond engament rings.
@vintage - love yours!
I love aquas as they're my birthstone too! I also have a tanzanite ring and love that too also!
But if your gf loves a diamond, then I'd be def on the safe side and get her either a larger one or find a really good deal on a yellow diamond.
The economy isn't the greatest right now and there are some deals to be had. I gf of mine got engaged recently and her FI talked to me (private) about the stone b/c he wanted my opinion first, and he got a really amazing deal.
One site that has some great rings and at a decent price is www.fancydiamondinc.dom and I think they have colored diamonds. Lemme check.
One of my friends got hers there and this one (Just checked their site) is 8,200. Is a nice sized center and is a fancy yellow natural diamond.
I think they can be lovely, and apparently she doesn't want the traditional clear diamond. I'd find out what SPECIFICALLY she likes about yellow diamonds though... I know when DH proposed I was ok with a white sapphire, it was the color I wanted.
I agree. It's what we want. We all have different reasons we like this stone or that stone. No right or wrong, but just her personal preference.
I'm a diamond girl for an e ring but that's just me. However I'd be delighted w/a colored diamond though.
I also love colored stones too, but everybody's just got a unique preference. If she asked for either a larger diamond solitaire or a yellow diamond, that'd be my first choice to get her. Unless she states she wants something based on a beautiful color.
I have a sapphire ring - and I've met at least 2 other girls with one. But I specifically asked for it, and knowing them they probably just wanted to go the non-traditional route. Maybe you can just discuss it. My DH always says it was to go with our eyes, that might be a good way to start it off and see if she's open to it.
LOVE LOVE LOVE sapphire rings! In fact, my FI gave me mine yesterday! LOVE IT! If you are short on funds like we are (and boy, are we ever!), I highly suggest shopping around and not settling to pay for a ring out of your budget. We found my ring at Kay's (love them!) for $500, originally $2000! They're having a fall sale, so we got a 2 1/4ct round diamonds with a 1/2ct sapphire in the center set in white gold. But you can find similar rings all over amazing:
If you want to offer a larger ring:
As much as I LOVE sapphires, I also LOVE blue diamonds, and you can find those pretty cheap on amazon too! So keep looking!
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She wants a yellow diamond engagement ring, but I cannot afford it right now. I can get her a yellow diamond upgrade for a future anniversary.
I'm doing research on yellow and blue sapphire rings and well as yellow topaz with diamond accents.
Any suggestions and pictures of non-traditional engagement rings?