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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 November 20, 2018

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

Why Your Past Prevents You from Saving Money

Are you constantly thinking about your financial mistakes?

If so, these thoughts are holding you back from saving.

I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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How to Effortlessly Track Your Spending

Stop manually tracking your spending.

Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

The Truth on Why You Keep Failing

Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

  1. Save more than 50% of your available money (after expenses)
  2. Only buy nice things after saving
  3. Automate your savings with automatic bank transfers

These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

How to Foolproof Yourself out of Debt

Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

So how can you separate yourself from the 60%?

By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

A Proven Formula to Skyrocket Your Savings

Having proven systems in place to help you save more is important, but they’re not the best way to save money.

You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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Transform Yourself into a Saving Money Machine

Saving money isn’t complicated but it’s one of the hardest things you’ll do.

By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

What are you waiting for? Go and start saving money, the sky is your limit.

Featured photo credit: rawpixel via unsplash.com

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