Someone talk me out of it….

posted 2 years ago in Rings
Post # 2
Member
5207 posts
Bee Keeper

buggy09:  If you have the cash for it, I’d say do it now! Credit? I dunno. I’d also make sure the husband is on board for this one, cash or credit. 

Post # 3
Member
537 posts
Busy bee

buggy09:  I’m not sure if you really want me to talk you out of it, lol! It sounds really beautiful though. I guess it depends on your financial situation. If you have the leftover money for it after all other expenses are covered (401K contributions included), then this is technically “guiltless” spending so you should be alright. 

I personally don’t think I’d be able to go through with it, and that’s coming from a girl that loves her jewelry. Maybe add it to a wish list and give it to your husband as a Christmas/Valentine’s day gift idea? That way it’ll space it farther away from your upgraded setting and give him a bit of reprieve.

My mom buys herself jewelry all the time using my dad’s credit card (she doesn’t have a job) and I know it bugs my dad when she buys something of large value without telling him. It’s not like she has to ask, since they share their assets, but it’d be nice for him to know in advance so he doesn’t wonder why $500+ was zapped from the account.

But, being the horrible enabler that I am, do you have a picture I could see as an example? 😉

Post # 4
Member
134 posts
Blushing bee

buggy09:  i agree with PP. Don’t buy it on credit. Save for it and buy it if it’s still on your mind at that point

Post # 6
Member
537 posts
Busy bee

buggy09:  Don’t feel bad! Shortly after my FI bought my engagement ring, I saw barely pink moissanite ring on sale that I wanted as a RHR. I knew we could afford it, but I felt so bad that he just bought my ring, so I filed it away for a future occasion. 😛

Post # 7
Member
2394 posts
Buzzing bee

buggy09:  Oh please let us see a picture! I want to live vicariously through you, lol!

 

Also I want to second peacock0320‘s suggestion. This summer I became obsessed with a Michael Kors bag and didn’t feel I should spend the money. So I asked DH to get it for me for my birthday. He did and I can’t wait to open it up!

I know your ring is substantially more expensive than a purse, but it doesn’t hurt to ask. Do you have any anniversaries coming up? I asked my DH for an skinny pave eternity band on our second anniversary!

Good luck!

Post # 8
Member
95 posts
Worker bee

buggy09:  Step away from the cart….  no, but seriously, try sleeping on it. 

I’ve done this before and it actually works.  See how you feel about the ring tomorrow, in the daylight after you’ve given yourself a night to let it settle in.  You might find the “excitement” of the purchase isn’t there anymore.  Its worth a try, right?   

Another option could be that it becomes your Christmas, channukah, anniversary, B-day etc. present instead?

Post # 9
Member
5697 posts
Bee Keeper
  • Wedding: October 2014

Just ask yourself how you’d feel if your husband spent an equal amount on a totally frivolous purchase without consulting you first. 

Post # 10
Member
2119 posts
Buzzing bee
  • Wedding: September 2013

There is no way he wouldn’t find out.  Please don’t buy that on credit or without talking to your husband. 

Post # 11
Member
2738 posts
Sugar bee
  • Wedding: May 2014

Hahahahaha! You’re just like me…I’ve got a few open websites with full shopping bags!

Post # 12
Member
431 posts
Helper bee
  • Wedding: December 2015

I’m a little surprised (ok not really) at all the enablers! It depends on how much it is and if you can afford it. Even if it’s beautiful, I would tell you not to buy it on credit, only if you can pay it off this month.

Also, I don’t think hiding large purchases from significant others is necessarily the best way to go.

Post # 14
Member
2001 posts
Buzzing bee
  • Wedding: September 2014

buggy09:  pretty ring. But, how could you possibly hide it from him, unless you never wear it? Which defeats the purpose of buying it, right? If you can pay cash for it, and you won’t miss the money, then go ahead and buy it. Otherwise file it away for the future 🙂

Post # 15
Member
3304 posts
Sugar bee
  • Wedding: June 2010

It is pretty, sure. But why pay with credit? Pay with money you have, or do without the ring until you can afford it.

(Yours sincerely from the girl who worked her ass off to pay off 22,000 of credit card debt- I will NEVER use a credit card again.)

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