Post # 1
My hunt for an engagement ring has been interesting to say the least. Nothing ever really worked out.
I’d had my heart set on a cushion cut solitaire from Moissanite Co and before we had a chance to order it, FH had to do some repairs on his truck and his house and wiped out the ring fund. My mom offered to give me a diamonique (fancy CZ) stone to set into a band. FH saved the $150 it was going to cost for just a setting and I brought the stone to my house to get used to the idea of having a round stone. I don’t really like round, never have, no offense to anyone. FH filed his taxes a few days ago though and found out he would be getting back much more than he originally expected, which means he can easily set aside the $600 for the Moissanite ring and have enough money (and then some), to cover school costs and other things.
Now, I’m torn. I like saving money and using the diamonique stone would do that. In all honesty it could pass for a diamond, but it’s round, and I should really love my engagement ring right? Getting the ring I love would mean spending more money, I’ve never seen it in person but it’s cushion, and I love cushion.
I don’t know which route to take now.
Post # 3
@SouthernGirl: I don’t know if there is necessarily one right choice here. I think it has to be up to you and your fiance. I agree that you should love your engagement ring, but if you both see that it may be better to save money now than stick with the round stone, you can always change it. But at the same time, if he has gotten more money back then expected and has the money and you both feel its ok financially then get the cushion cut you love. I think the decision is really up to both of you and what you feel comfortable doing. Good luck!
Post # 4
Just remember you’ll be wearing it your whole life! I would probably go ahead and spend money on the cushion cut moissy.
Post # 5
get the ring you love! especially if you can afford it right now, it’ll be the one you wear at your wedding and forever and you’ll never have to ‘upgrade’ it if you get the one you love at the start.
Post # 6
If it’s going to be your forever ring, get it now while you can afford it.
Post # 7
I have a round diamond, even though I love love love cushion cut. I set it in an illusion setting so it would appear more square. If I had the money, I definitely would have bought a cushion though!
Post # 8
Would you be using the setting you already bought for the cushion cut also? If so, I’d use the diamonique and wait a little longer before buying the moissonite. If not, can you return the setting and put the $150 toward your cushion ring? You may have the money to spend on the cushion moissy, but if its going to wipe out the savings, it just doesnt seem like a good idea to buy it immediately. Say you got your ring, and then some other emergency came up again, and no ring fund to wipe out for a real problem, just not sure thats the best idea from a financial viewpoint. I would wait until I could spend it on the ring and still have a good savings buffer left before buying it.
Post # 9
@pinkshoes: We haven’t purchased anything yet, so the money is still in the pot. As far as the finances, FH is getting back $1000 more than he expected, leaving plenty of room for him to buy the moissanite, pay his tuition/school costs and to have some left over.
I worry about the diamonique because it is CZ and I know CZ doesn’t hold up well with everyday wear, and I didn’t want a ring I had to leave off most all the time. I know both my grandmother and mother have diamonique jewelry, but I’ve never seen either of them wear it for more than a day or a few hours. I know that all stones get dirty and they have to be cleaned, but I’ve had CZ jewelry before, and after about a year, there’s no amount of cleaning that can be done to make it shiny again.
Post # 10
Pinkshoes has a good point.. but also, I think that CZ does wear fast, I mean, for what I´ve seen… but I really don´t know a lot about Moissy, but it must be as good as any other stone since a lot of people use them in their e-rings and they say it shines twice as a diamond…
But what about other stones? I´d actually go for gemstones. (I have diamond, and I love it, but it was actually a total surprise! I would have loved any colour gemstone as well) Like Sapphire and Amethyst (I love sapphires!! Specially pink ones :D) Gemstones are GORGEOUS! Look at them at the Zales´ site..
Post # 11
I think it’s what you feel most comfortable doing, especially if finances are tight. i have a diamonique loose stone, as a part of my gemstone collection and to be honest they aren’t cut as nicely as a real diamond or even a moissanite. It doesn’t have the fire in it but diamonique is supposed to last longer than CZ because it’s a harder stone almost equal to a diamond so it doesn’t scratch when cleaned or with daily wear.
Post # 12
Not sure if you would be interested in this, but I have a cz ring from http://www.e14k.com and while it’s a CZ, it looks just like a real diamond. My jeweler is a diamond expert (he teaches others around the country how to find the best diamonds) and he told me it’s the best cz he’s seen, since it looks just like a diamond, and even asked where I got it. You can get it in silver or 14k gold. I have the 14k gold and it cost about $220 (for a 1.5 size stone). I’ve had my own diamond expert, and two other jewelers tell me it looks just like a real diamond (once I told them it wasn’t). Just thought it might be a nice option if you are on a budget. Yes, it’s a cz but I have found that it only needs a little cleaning (toothbrush and dishwashing soap) to keep it sparkly. The company is family run and are great with returns, in case you don’t like it.
Best of luck!
Post # 13
Do what you’re both comfortable with. If it were me, I would continue to sit on that money and put it towards a wedding band or other wedding costs.
That said… when my mom offered me a yellow gold marquise ring (combining two of my least favorite things ever for jewelry) I ran in the other direction 🙂
Good luck, you’ll figure it out!
Post # 14
When we got engaged, we couldn’t possibly afford the ring I wanted (not that I have expensive taste, we were just THAT broke) So we bought a walmart CZ ring that I wore for about a year. Then, when we were able to afford the ring I wanted, we purchased it. That way, we didn’t financially compromise ourselves and I didn’t have to sacrafice the ring of my dreams.
I know that may not be the route for everyone but it worked out perfectly for us 🙂
Post # 15
@mcglalala: I had been wearing a CZ ring for a while now. It’s not great quality and it was plated in rhodium. I used to wear it as a right hand ring, but when I got engaged I felt like I needed something on my finger. Sadly, the ring has deteriorated. The rhodium plating is coming off and the CZ looks dirty all the time. So, I started wear a sterling silver ring when I went out. That one got bent in a not so pleasant hand in car door incident, so now I have nothing.
I’m seriously considering printing out the pictures of the 3 rings I’ve been looking at and just letting FH pick and he can just surprise me. He doesn’t like that idea though because he wants me to be satisfied.
I honestly don’t know how anyone who got to pick their engagement ring actually made a decision. Every time I get on Google I find another ring that I love.
I’m so indecisive.
Post # 16
I don’t think it’s a good idea to spend outside of your means. your story makes it sound like you live from paycheck to paycheck. you have some money now, but what if you need it for an emergency? if I were in your shoes, I’d wear a CZ ring and upgrade it later when you can afford it more easily. I’m really sorry you’re in this situation (believe me, I know firsthand what it feels like), but there are more important things in life than rings.
if you put a round cz into a setting, I’m very sure that later, if you upgrade, a jeweler can put a cushion cut into the same exact setting.