Post # 1
so I was bored and got onto blue Nile and designed a gorgeous 3 stone RHR with a round center and sapphires. Applied for credit, was approved, and it’s now sitting in my check out cart. I feel horrible asking hubby for another ring as he just upgraded my setting 8 weeks ago, but….what he doesn’t know won’t hurt him; right?!?!
Post # 2
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
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
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 # 5
peacock0320: I tried to save it on my iPad but couldn’t figure out how. Financially we are in a good place and we do contribute to our 401k and emergency fund. I know I may sound selfish but I love it and if I’d seen this before I upgraded my setting I would’ve totally got it 🙂 I’ll try to save from my phone so I can show you ladies 🙂
Post # 6
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
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!
Post # 8
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
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
There is no way he wouldn’t find out. Please don’t buy that on credit or without talking to your husband.
Post # 11
Hahahahaha! You’re just like me…I’ve got a few open websites with full shopping bags!
Post # 12
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
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
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.)