0% Interest Free Finance

jennifernil

mrB wrote: »

The ring is 3k
I'm not really in any debt apart from a credit card that I'm paying off, but if I wanted to settle that I could any month really.

Unless this is a 0% card, why would you not pay it off if you have the money?

Incurring interest unnecessarily is not sensible.

And no way should you spend £3k on a ring!

Herzlos

mrB wrote: »

I applied for a TV like 6-7 months ago on finance and got declined for this, this was online with Hitachi finance though.

Hitachi aren't known to be particularly fussy, so I think a loan is out of the question.

There's no reason to spend £3k and 3 years paying off a ring - how are you going to afford the wedding?

I make about the same, and bought a £79 ring for the fiance and she loved it (she even said yes), but she'd have beaten me to a pulp for borrowing anything let alone £3k for a ring, and would have made me hand it back.

So back to the point; forget borrowing, buy one you like and can afford and take it from there, she won't thank you for getting into debt over it (that's what the wedding is for :rotfl:).

uncreative

Silver with CZ stone if it was me. £100 tops. When we got engaged over a decade ago I bought my fiance a ring worth £6,000 in New York and she got me a rolex watch worth about the same. We still look back and think what a waste of money to this day. Puts up insurance; you need to be careful wearing the watch, have bought another watch to wear day to day.

selement

My OH let me pick my own ring at the jewelry quarter - he spent approx 1 months wages which I dont mind telling you was £1000. For that I got a platinum ring and great quality but fairly small diamond. It's a pretty ring too not a plain band.
If the jewelry quarter is convenient for you I recommend Bicknells and Marlows. Ring shopping together is lovely, can look at the different designs, learn about diamonds etc. Will also get it sized to a perfect fit (the shop I bought mine from decided I was L and a quarter! Not a standard ring size).
Its not so expensive - you can haggle a little and feel like you are getting a more unique, better quality product. Can go back in a few years to get wedding rings

Those giant rings with lots of diamonds look a bit gaudy in my opinion anyway, but everyones taste is different. In all honesty you can't go wrong with a simple diamond.

How would you feel about letting her pick? Then she can have a say on how much debt to get you in to :P as others have said starting married life/planning a wedding in debt isn't the best