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How to Find the Right Engagement Ring

Whether you're ready to pop the question or letting your fiancé pick the style, finding the perfect ring can be a tough task. There are a lot of factors that go into picking out the right engagement ring, such as the quality of the stone and the setting. It's also tough to decide if a diamond is the right stone for your significant other. With these simple tips, you'll learn how to find the right engagement ring.

Set a Budget

Before you look at rings, start off by determining a budget. While you might want to treat that special someone to the best ring money can buy, there is a way to do it without breaking the bank. The old rule of thumb was to spend two to three months of your salary, but that method is a bit outdated and not necessary. Guidelines concerning salary don't consider student loans, credit card debt and general cost of living. If you can't afford the diamond of her dreams, consider other stones like cubic zirconia or sapphire, and remember that you can always replace the ring on her finger later.

Research Gemstones

Whether you browse resources on the Internet or talk to a jeweler about gemstones and settings, it's important to do some research ahead of time. Start by reading up on the four C's of diamonds: cut, clarity, color and carat. Then look up the different types of shapes available; there's more than just princess, round and cushion designs. If diamonds are out of your price range, look into cubic zirconia options. This synthetic stone looks just like a diamond and is a fraction of the cost. You could always skip the colorless stones all together and go with an emerald or sapphire for a unique engagement ring.

Learn more about the 4 C's:
diamond cut, diamond clarity, diamond color & diamond carat

Know Her Taste

When choosing an engagement ring, always remember your significant other's taste. If you've bought her fashion rings in the past for holidays, birthdays or other occasions, you might have a good sense of what she likes. However, in some cases you might need more guidance. Take a peek inside her jewelry box, and see which types of metals and cuts she wears. If you both sense an engagement is imminent, don't be afraid to ask which designs are her favorite.

Make sure you also ask for her finger size. A ring that is too big or small can put a slight damper on the proposal. If she's willing to let you borrow one of her rings, it can help the jeweler pinpoint the exact size.

Seek Advice

If you're not able to get clear-cut answers from your future fiance, don't be afraid to ask for advice. Whether it's her best friend or a close family member, they might have some valuable knowledge that could aid you in the ring buying process. Just make sure they can keep a secret, so the big moment isn't ruined.

Have the Ring Appraised and Insured

Before you hand over any form of payment, make sure to get the ring appraised. If you're purchasing a diamond, check if the stone is certified and graded so you know the exact value and if it's real. Once the ring is yours, have it insured. You don't want to come up empty handed in the event of theft or other accidents.