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Top 5 Tips For Choosing His Engagement Ring

Top 5 Tips For Choosing His Engagement Ring

Historically, the tradition of an engagement ring is traced back to the ancient Egyptians. The Romans believed that the left ring finger had a vein that was connected to the heart, that’s why we use our left ring finger. The gift of the wedding ring is meant to be a symbol to the world that the woman wearing it is engaged to be married. It wasn’t until the 1940’s and 1950’s that men even started wearing wedding bands, but the days of these bands representing ownership are becoming water under the bridge while more and more couples are choosing relationships that are defying old stereotypes.

As much as women dislike the stereotypes pushed through the patriarch like, “women are meant to be seen and not heard” and “a real woman knows how to cook and raises the children”, many men dislike the stereotypes given to them as well. Things like “men don’t know how to talk about their feelings” or “men don’t listen”.

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Men and women have begun to realize that not only are these stereotypes untrue, but they are also creating a negative, unhealthy space for both people in the relationship. A push for equality in all things is a slow process but equality in new marriages, in life partners, is beginning to start at the onset, with the engagement ring.

Not only are couples shopping for engagement rings for both partners now, but woman are asking men to marry them more and more. If you are one of the brave, assertive woman who wants to pop the question, you know him best but we have some helpful tips to keep in mind.

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1. What are Your Options?

Seeing as how this is a recent change in the usual tradition of things the options available to you are not as vast as the women’s engagement rings. Search different jewelers and check what the options are and then consider your partner’s lifestyle. Would his profession or hobbies require a more durable band or can you go with something a little more gentle? If something durable is necessary a metal band is probably best. If not there are many handmade rings now that are made from various mediums like oak, ebony, and even antler but are not as durable as many of the metals. You can find many of these on Etsy, with a simple “men’s engagement ring” search.

2. Budget

Now that you have an idea of what is out there and the general price range, it is time to be realistic about what you both can afford. If you decide to go with a metal band, you can compare price both in store and online. Keep in mind if it’s online, no one will be making a commission off of your purchase though, so no haggling. Don’t fall for the old “rule” of spending 3 months salary on the engagement ring. That is nonsense. In the end, what matters is that you have found a ring that fits, he likes, and you haven’t put yourself into debt before you have to think about paying for a wedding and a life together.

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3. Religious/Cultural Significance

Is your future hubby religious? If so, is there a scripture of symbol that he would appreciate on the engagement ring? Does He have a strong cultural background? Some ethnic traditions are strongly intertwined in marriage. Some Irish use Claddagh rings that have Celtic script. If your Irishman is close to his ethnic roots, this might be very meaningful to him. Talk to your future partner and find out is something religious or culturally significant would add the extra personalization and originality to the engagement ring.

4. Evaluate His Style

Is he the type of man who already wears rings? If so, check out the style width and size of those rings and use them as a starting point. Does he like/wear gold or silver more often? Is he the kind of man who really just naturally dislikes rings. Some men have never worn jewelry and wearing ring is not something they are excited about, maybe think of an alternative, like putting the ring on a chain to be worn around the neck. Some couples have chosen to skip the rings altogether. Doing things like creating an adventure fund or putting a down payment on a house.

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Another thing to consider are allergies. There are many people who have allergies to certain metals. There are also many organic rings now made with things like antler or different woods which may be perfect for someone who loves hunting but a romance killer, or for someone who is allergic to oak or silver.

5. Surprise Surprise

Once you have decided this is what you want to do and found the perfect ring, the most equally exciting and stressful part of the experience is next, the proposal. Does your partner enjoy surprises? If so coming up with something elaborate involving friends and family might be the way to go. If not, something much more intimate might be best if your partner is on the timid/shy side of things.

There are many engagement ring boxes now that can also be custom made and will do most of your requests. This is a once in a lifetime chance to declare your love in a way only you can. You know your partner best, take your time, enjoy the process, and good luck!

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Last Updated on January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

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