Post # 1
So as you know my leap year day talk went well. BF and I went e-ring shopping on Saturday. I think we’re going with an independent jeweller since we can get the setting I like (or one that’s close enough), and a bigger, better diamond than at the store I originally found the ring at.
The jeweller ordered 2 diamonds in for us to look at. One is Belgian, the other is Canadian. They’re both just over a carat, F colour, VS1 clarity. One is brilliant and the other ideal cut. I am so excited to see them!!!!
Although a wee part of me is a little scared. BF is planning on spending more on my ring than I spent on my car… I had suggested that we spend less and put the extra aside for our wedding, but he said not to worry, because he has pretty much enough saved for the wedding, and since we’ve decided to have a longish engagement (We’ll probably get married fall 2013 or winter 2013/2014) we’ll have lots of time to save. I’m just a little worried about loosing something so expensive!
Post # 3
Not that I want your So/FI to change his mind, but make sure he takes into account, if it’s worth that much, that you might want to insure it… and that’s an added expense in his budget! I totally understand what you mean… even a thousand dollars on my hand is more $ on my body than I’ve ever had! I barely keep 20 dollars cash in my purse! I hope we’ll get to see pics once he proposes, though!
Post # 4
@futuremrste: just get insurance and you’ll be fine ! (coming from the girl who loses everything lol)
Post # 5
Oh we definitely are getting it insured! He’s aware that it will be an added expense, but he’s not worried. He actually recommended we get a rider on our Homeowners for just the ring, then a second for all my jewelry. I don’t have a whole lot, but what I have is worth more than what our policy covers. Plus it’s kind of all over the house. My most expensive jewelry is locked in a filing cabinet in our office, and the rest is either in our bedroom in random places or in our bathroom. Then I have 2 rings that I always wear, which are both worth about 1/2 of our jewelery limit. Oh and diamond studs that I almost always wear, but they’re screw back so chances of me losing those is slim.
Bf isn’t worried about the expense. As part of our talk he sat me down and showed me all his investments and exactly how much he makes. I knew he had a good job and made decent money, but after seeing what he actually makes and has invested, I gotta admit I’m a little shocked. Especially since he said his boss is thinking of retiring, and he’ll probably get his boss’ job and a big salary bump. As it is BF pays more in just taxes than I make before taxes and deductions. And I have a decent paying job…
I will definitely be posting photos (and a proposal story) when it happens. He says he’s going to plan something special to present me with the ring and make things ‘official’ and that until then he wants to keep things just between us (as in he doesn’t want friends and family knowing, but I’m allowed to post about it to internet ‘strangers’). Oh and I was allowed to tell my sister and my mom (who are my best friends), but no one else. When I told my mom the ring budget her eyes about popped out of her head. She even asked if that was for the e-ring and bands, or just the e-ring! I promised my sister she would be the 5th person to see it (my parents first, then BF’s parents, then my sister), then I can post photos.
I plan on telling BF that I don’t want to know when the ring is ready and when he picks it up, and I’d prefer he doesn’t bring it home, in case I find it. I think it will drive me crazy knowing the pretty sparkly is in our house and not on my finger and wondering when I’ll get it!
Post # 6
Congrats! Insurance really isn’t that pricey either…we pay .85 for every $100 of jewelry insured per year for great coverage! I’m sure that this varies somewhat by location, though.
Post # 7
Yay!! Enjoy picking out the diamond 🙂 I picked mine out the other week and I say go with your instinct and also – sounds like your bf hsa got it all planned out and wants to get you something beautiful. Dont stress about the cost of it – just as you said, make sure it is on insurance!!