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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 April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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