(Closed) Was your ring fully paid for when you got it?

posted 9 years ago in Rings
  • poll: What was the "status" of your ring when he proposed?

    Completely paid for

    Still being paid for

    Other

  • Post # 32
    Member
    11324 posts
    Sugar Beekeeper
    • Wedding: February 2011

    Mine was still being paid for. My husband isn’t really a super-planner, and is definitely NOT a super saver, he was always a spend-what-you-have type. So for most of our relationship he had no savings at all. When I first hinted that I might be ready to get engaged, it was THEN that he first thought “hmmm maybe I should save some money for a ring” lol. So he started saving hardcore and after 3 months he had a bit more than half of what he needed to buy the ring he had his eye on. He was excited to get engaged though and didn’t want to put off engagement for another 3 mo just bc he didn’t have the money right that minute. Plus, he got it off of bluenile which had a 0% interest for 1 year deal. So he didn’t see any downside to getting it and proposing ASAP vs. waiting until all the cash was in hand and buying the ring 3 mo later. 

    I didn’t mind at all that it wasn’t paid off when I got it. In general we are very much “don’t finance anything but house, education, and maybe cars” type people– but with this it just seemed like an order issue. He was going to save the money in 6 mo regardless, and either way it would cost the exact same bc of 0% interest… so I’m glad he was so excited he had to do it sooner rather than later. 

    Post # 33
    Member
    2729 posts
    Sugar bee
    • Wedding: March 2014

    Mine was completely paid for. It wasn’t that expensive, and he’d been saving part of each paycheck for several months, so he had the money ready.

    Post # 34
    Member
    1271 posts
    Bumble bee
    • Wedding: December 2013

    we decided we wanted to get married long before the actual “proposal” (and i put that in quotes because nobody ever asked THE question when we got engaged, because…well we already KNEW the answer), so Fiance bought my ring then.  he put it on his credit card and paid it off in four months.  in those four months he had the ring but it wasn’t paid off, he did show it to me and i modeled it for him, and i also bought his ring, which i paid 50% at the time of the order and 50% when it shipped, so it was paid for before i had it in my possession.  we exchanged rings a few days after he paid his credit card off.

    Post # 35
    Hostess
    11163 posts
    Sugar Beekeeper

    Paid in full…50% when we placed our custom order and the rest when it was ready. 🙂

    Post # 36
    Member
    4884 posts
    Honey bee
    • Wedding: May 2012

    He put about 75% down and used financing for the rest, but he paid it off before any kind of fees accrued.  

    Post # 37
    Member
    2319 posts
    Buzzing bee
    • Wedding: October 2011

    Totally paid for!

    My mom and grandmother gave us a few pieces of jewelry, so we sold the gold and then sold the diamonds through a broker/friend and then DH bought my set. We’re so lucky, he paid very little out of pocket after everything was sold, but it took awhile. I didn’t get my engagement ring until about a month before the wedding! It was totally worth the wait!

    Post # 38
    Member
    7309 posts
    Busy Beekeeper
    • Wedding: October 2011 - Bed & Breakfast

    Mr. LK paid in cash, so yes, it was completely paid for. We waited until the savings account hit a previously agreed-upon amount before purchasing my ring, so we were actually engaged without “the ring” for almost 3 months. It was important for us to have a savings account that would allow us to pay for my ring, our wedding, a 20% house downpayment, and 6 months of expenses as a cushion before spending a single cent. Save first, spend later.

    Post # 39
    Member
    444 posts
    Helper bee
    • Wedding: October 2011

    my rings were paid in full in cash so he got a huge discount. I’m glad for that because it would have cost him an extra $1,500. 

    Post # 40
    Member
    78 posts
    Worker bee
    • Wedding: April 2012

    I did my own ring-shopping (and am glad I did, because I got the perfect ring that way) and I didn’t look seriously at anything out of budget.  What I found actually came in under budget (and included the wedding band as well as the e-ring and lifetime warranties and taxes), but he technically put it on a payment plan for a few months.  Then he got tired of that and paid it off.  But he could have paid cash the day we got it.

    Post # 41
    Member
    1924 posts
    Buzzing bee
    • Wedding: May 2013

    My ring was “paid for” when my fiancé purchased it in so far that we are not in debt to the store we got it from.  My Fiance and I are both graduate students so we’re on student loans.  The ring was paid for with student loans!

    Post # 42
    Member
    127 posts
    Blushing bee
    • Wedding: October 2012

    View original reply
    @Ms.GoodEarth: I’m a student loan ring-girl too. We purchased a temp ring (150.00) and decided that when that ring gave out, I’d get my real ring. That happened about a month ago, and we financed the entire cost of my real ring, plus his ring. As soon as my disbursment comes we will pay off the rings

    Post # 44
    Member
    204 posts
    Helper bee
    • Wedding: November 2012

    Paid in full in cash. He paid £100 as a deposit then paid the rest. I was pleased because he would have paid an extra £200 to buy it on finance.

    Post # 45
    Member
    13 posts
    Newbee
    • Wedding: December 2011

    Paid for. He’d saved it all before we even met !! 🙂 I wouldn’t let him spend all of it on a ring, so we’re putting the rest toward the wedding.

    Post # 46
    Member
    11375 posts
    Sugar Beekeeper
    • Wedding: December 2010

    Yes, they was paid for in cash the day we got them.

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