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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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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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