Purchasing an engagement ring is likely one of the most important purchases you will make. An engagement ring is a symbol of your love and commitment; it’s the promise of a loving and beautiful future for you and your partner. But the process of purchasing an engagement ring shouldn’t be stressful! While it’s definitely an investment, it’s still an incredibly exciting step!

Whether you’re a by-the-books pragmatist or a die-hard romantic, an engagement ring purchase will take you out of your comfort zone.

We’ve put together a list of things to know when buying an engagement ring, so you can make sure you’re informed and ask all of the right questions throughout the process. Keep reading for a list of the top 6 engagement ring questions you should be asking and considering before you pop the question! Check these six practical considerations off your list so that you can concentrate on the emotional (and even fun!) part of your engagement ring purchase.

 

#1 Your Budget

When it comes to buying an engagement ring, the first and most important question you should ask is, “What is my budget?” There are tons of engagement ring styles out there with varying price tags, so while it can be overwhelming to sit down and determine a budget, there is truly something out there for everyone, at any price range! You may have heard that there’s a certain dollar amount you need to spend on your engagement ring. Commonly, people say that you should spend the equivalent of 3 months salary on an engagement ring. However, there’s really no “right” amount you need to spend on an engagement ring. Determine your budget based on your financial situation. While there are plenty of “rules” for how much you should spend on an engagement ring, it’s important to remember the budget you’ve set for yourself based on what you are comfortable spending.

At Rogers & Hollands and Ashcroft & Oak,  we offer a variety of different engagement ring options at a range of prices. Rest assured that you can put a sparkle in her eye and on her finger without breaking your bank. You can also check out these flexible payment options.

 

#2 Ring Size

Once you’ve set your budget, you’re going to want to figure out your partner's ring size. If you and your partner are shopping for rings together, this will be super easy. Stop by any Rogers & Hollands or Ashcroft & Oak store for free ring sizing! 

If your proposal is going to be more of a surprise, then you might have to get more creative. Luckily, there are lots of tricks to help you determine ring size without giving yourself away! Ask your partner’s parents or friends to find out and report back, or you can measure ring size with a piece of string while your partner is sleeping - we totally encourage interrupting beauty sleep at the expense of finding a beautiful ring that fits! Simply wrap the string around the finger, mark where the ends meet, and measure the length with a ruler (in millimeters!) Use a ring sizing guide based on this conversion chart. Learn more tricks here

Expert Tip! The best time to measure your ring size is at night when your fingers are warm. Remember, the ring needs to be large enough to slide over your knuckle & small enough to not fall off!

 

#3 Know Your 4 C's: Diamond's Cut, Color, Carat Weight, and Clarity

Definitely ask a jewelry professional questions about the quality of the diamonds you’re comparing or ultimately purchasing. To do this, you’ll need a basic understanding of the 4 C’s - cut, color, clarity and carat weight. Once you’ve selected a diamond shape, you can determine:

Carat Weight: A weight measurement that can give you an idea of how large a diamond is. The larger the diamond, the more rare and expensive it will be. 

Cut: A grading of how well a diamond is cut, which affects how it captures light. The most important factor in determining a diamond’s beauty and brilliance. Search for a perfectly proportional diamond cut to ensure plenty of sparkle. 

Color: A measurement of how colorless a white diamond is. The best color for a diamond is no color, though that can be rare to find. Diamonds are rated on a scale of D (colorless) to Z (light yellow, with some brilliance and fire). As color tones become more apparent, the rarity and cost begin to decrease. 

Clarity: A grading of how flawless a diamond is, both internally and externally. The clarity of a diamond is determined by the quantity and degree of inclusions. The more inclusions a diamond has, the less “flawless” it is. 52% of diamonds fall into the inclusion range, so don’t sweat it; you're likely not going to find a perfectly flawless diamond!

Download Our Diamond Buying Guide ›

 

#4 Settings and Diamonds are Often Sold Separately

Here's something many people don’t know: settings and center stones are often sold separately. So when you shop for an engagement ring, you’re often shopping for two things, your center stone (usually a white diamond) and your setting (the metal framework that holds your center stone, also commonly referred to as a "semi-mounting"). 

Many rings do come pre-set with a center stone. However, it’s equally as common today to purchase settings and center stones separately, so be aware of this when you’re shopping.

 

#5 Engagement Ring Customization Options

Nothing is more sentimental or romantic than a personalized or custom engagement ring. Maybe you have a specific design in mind that you’d like one of our jewelers to create, or you have a family heirloom that you would like to redesign. You might even be considering engraving a meaningful message or wedding date on the ring. Whatever ideas you have, make sure to ask your jeweler what kind of customization options you can take advantage of when purchasing an engagement ring. Creating a custom ring is easier and more affordable than you might think. And it’s well worth the extra time it may take to have something custom designed and created. At the end of the process, you’ll have a ring that will be unlike any other, just like your love as a couple. Our design services studio makes it easy to create special one-of-a-kind orders, so be sure to explore all customization options available!

 

#6 Financing & Other Payment Options

One of the best questions to ask when buying an engagement ring is what kind of financing or flexible payment options are available. Buying an engagement ring is an investment, and many jewelers offer payment flexibility to help you feel confident and comfortable about your big purchase. You can get your partner the ring of their dreams with the Rogers & Hollands and Ashcroft & Oak payment plans and financing options. Get an exclusive line of credit with us to stretch your payments month-to-month, with no down payment required, subject to credit approval! Click here to learn more and apply now!