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Do you want to make sure to purchase the right wedding ring? Here, I will take you through the average engagement ring cost, the myths surrounding how much to spend on an engagement ring, and highlight the factors to consider when selecting the best ring for your partner and as well as your budget.

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Video #1 The average engagement ring cost 

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Video #1 The average engagement ring cost 

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The average cost of an engagement ring is $5,500 as of 2020. The reason I chose this video is that it explained that engagement ring prices are not pricey as they have been in the past couple of years. Couples who have purchased rings in 2020 have saved $400 as the average ring cost in 2019 was $5,900. Also, I came to understand that most couples prefer diamonds because they are a great investment. Spending $5,500 or more on a wedding ring is still expensive in my opinion and there are many affordable rings for couples under a tight budget.

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Here’s the Average Cost of an Engagement Right Now, Based on 2020 Data

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The pandemic has been rough, but it hasn’t stopped couples from splurging on an engagement ring. Here is the average amount spent on an engagement ring, based on 2020 data from The Knot Jewelry and Engagement Study

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Video #2 Setting a engagement ring budget

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Video #2 Setting a engagement ring budget

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Setting a comfortable budget is an important first step. Since this is a purchase, you will look at every day for the rest of your life, it is worth setting a budget for. In this video, I have learned that the “two month or three-month” salary rule just adds pressure and confusion to your daily life, but it is important to find out how much other people are usually spending on wedding ring as this can be helpful when you are saving up to make the purchase. In this video, I was educated on how to budget based on my partner’s expectations, my attitude towards spending, and lastly, my financial obligations.

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2 Months' Salary For Your Engagement Ring.. Or 3?! Which is right?

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When looking to purchase a diamond ring, you must consider the 4C’s, which stands for cut, color, clarity, and carat. As mentioned in this video, a diamond's value is set by its appeal. Diamond color refers to how colorless the diamond is. Diamond clarity refers to the inclusions within them. There are several types of inclusions from black points to fractures. Our goal should be getting diamonds with inclusions that are not visible to the naked eye. Round diamonds are far more expensive than other shapes such as the oval, cushion cut and even princess cut.

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Diamond Prices - How to Get the Value without the Cost?

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While it is possible to find a great ring or ring set at department, big-box, and traditional jewelry stores, there are alternatives that may help you find the perfect ring while saving you money. According to this video, engagement rings are 30-40% cheaper online than they are in physical stores. Another piece of information I obtained from this video is that finding a ring you like, then checking multiple sites for styles that are similar in design, metal type, carat weight, etc. to get a ballpark price range. This way, you can get the best deal and be able to tell if something is drastically cheaper, which is usually a red flag.

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Popular Engagement Ring Styles and Engagement Ring Shopping Tips

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The average couple spent $5,500 on an engagement ring in 2020, but you don't need to set yourself to any standards. On this website, I find it helpful that there is a calculator to come up with a budget that works for you and your partner's lifestyle and goals using the wedding ring calculator. Also, you can set a specific price range, you can set specific standards (like diamond cut, width, the metal used, etc.), and the calculator generates how much the ring costs.

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Current (and out-dated) Ring Budget Theories

Here are the popular existing budgeting theories:

See below for a rundown of each system and the pros and cons.

2 Months Salary

This system also includes the 1 and 3 months salary systems.
This is probably the most popular system for calculating how much to spend for an engagement ring. We, at Estate Diamond Jewelry, strongly discourage the "2 month salary" system, but here is how it works.

If you are making $60,000 a year, for example, then your engagement ring budget is $5,000 according to the 1 month system, $10,000 according to the 2 month system, and $15,000 according to the 3 month system.

This system, started by De Beers, has become particularly unpopular after people realized that they owned most of the diamonds.

Pros: Extremely simple to calculate. After so many years of people following this system, the 2 month's salary has become almost a tradition.

Cons: This budgeting system is too simple for the modern era. The couple's debt and expenses don't figure into the budgeting plan, and neither do their lifestyle choices.

What is the average cost for an engagement ring?

Based on www.theknot.com poll, the average spend for an engagement ring in 2015 was approximately $5,800. The price has probably gone up in 2017 and we estimate that the average is about $6,800.

Your financial means should determine your budget rather than a worldwide average. No one should go into debt in order to pay off their engagement ring.

Pros: Extremely simple system. You both feel that you paid a "fair" or "average" amount.

Cons: Most people fall far below or far above the average. There are couples who can't afford to spend $4,000, and there are couples who want to spend $100,000's. Limiting the budget to a national average is a really bad idea.

For a better understanding of the 4c's and how they effect the price, click here.

We strongly recommend picking a budget that is tailored to your personal requirements. Using a number generated based on the entire country is not suggested.

Average size of diamond in an engagement ring

There are those who want to calculate their budget based on the size of the center diamond.

We've done a lot of research on this question and all of the statistics seem to have flaws, biases or a lot of guess work. Based on the research we've seen, we estimate that the average diamond size in the USA is 1.10 carats.

The average in the Commonwealth countries (UK, Australia, NZ and Canada) seems to be approximately 0.70 carats.

Pros: It's a lot easier to control the budget while remaining within the couple's budget bracket.

For example, a 1.10 carat, round, D color, flawless diamond will cost approximately $19,000 and a 1.10, round J color, SI2 clarity diamond will cost approximately $4,200. They are both 1.10 carats, but the price varies dramatically.

Cons: This system will leave a lot of people dissatisfied with their diamond. Consumers also care about clarity, cut and color. This budgeting method will greatly hamper the control on all the other details of the diamond.

What if I can't afford to buy a ring?

The answer is really simple. If you can't afford to buy a ring, don't buy it. It's that simple. The engagement ring may be a monumental item, but it's not a good reason to go into debt.

If you can't afford it, wait.

The rule of thumb: Buy a more affordable ring, if you can't afford an expensive ring.

Engagement ring price brackets

Once you determine how much to spend on an engagement ring, you will need to understand the pricing brackets. Although there are many formats, below is the price bracket that we've categorized.

Click here for engagement rings between $1,000 and $8,000.

For engagement rings between $8,000 and $11,000, click here.

Click here for engagement rings between $11,000 and $15,000.

For engagement rings between $15,000 and $20,000, click here.

Click here for engagement rings above $20,000.

Do you want to add the ring budget calculator to your website? Copy this code:

Add the calculator to your website
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Engagement Ring Calculator - How Much Should You Spend?

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Here are the popular existing budgeting theories: See below for a rundown of each system and the pros and cons. This system also includes the 1 and 3 months salary systems. This is probably the most popular system for calculating how much to spend for an engagement ring.

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Website #2 Best most affordable wedding rings on the market 

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Website #2 Best most affordable wedding rings on the market 

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There are plenty of wedding ring styles that won’t break the bank, even engagement rings that include diamonds if that’s your rock of choice. On this website, I came across the most beautiful, yet affordable rings. Mostly though, you should make sure it’s a ring that will be timeless and always on trend in your heart. It also doesn’t hurt to find a ring that has an extended return policy longer than a week. Some rings on this website are only $1,500 which is really great for those under a tight budget.

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Kay Jewelers Diamond Engagement Ring

Hello, sparkle! We're loving this pavé-set diamond band featuring an emerald-cut center stone. The best part: that incredible double halo.

What to Look for When Choosing an Affordable Engagement Ring

Just because you're on a budget doesn't mean you should have to sacrifice any sparkle. With or without a diamond, it's possible to flaunt an affordable engagement ring that still turn heads. "For decades, diamond has been the premiere option for engagement rings primarily due to its suitability for everyday wear," explains Kanary. "However, there are other stones that can be more affordable, aesthetically pleasing, and durable enough for an engagement ring," she assures.

"Morganite is an excellent alternative stone that can be more budget-friendly. Gems like spinel, sapphire, and ruby are also among the more durable gemstones, and while some varieties can command high prices, you can find a variety of colors and styles that fit a more modest budget," says Kanary.

Thankfully, when it comes to your setting, there are clever alternatives that cut costs while still achieving an almost identical look. "The most important aspects to a setting are that it is strong enough to hold your stone and that it is aesthetically pleasing to you," Kanary states. "Some of our favorite options for affordable settings are rhodium plated silver and 18k yellow gold over silver both of which provide a luxe look while being cost effective."

"If you're looking for more affordable jewelry that will last, we recommend gold-plated items. You can have a durable metal core with a fine gold exterior-all of which provide an expensive look but is cost effective and simple to maintain over time," suggests Kanary.

Opting for a minimalistic band grants you more freedom to indulge in a bigger or more eye-catching stone. Or, if you're looking to make the band more of the focal point, consider textured bands, split shanks, or less expensive gemstones for extra embellishment.

"Typically, most people enjoy coordinating their bands to the engagement ring setting, so this would often mean matching metal types and colors. One way to reduce costs is to find an all-metal band without gemstones, or you could choose a mined diamond alternative, such as synthetic moissanite and lab-grown diamonds," Kanary says.

How much should I spend on my engagement ring? "The traditional convention that many people hold to is to spend the equivalent of three months salary. However, conventions are constantly changing, so prioritize a budget that is within your comfort level," assures Kanary.

How can I ensure that my affordable engagement ring is still high quality? "It's vital to ensure that you are purchasing from a reputable jeweler. Ask yourself, have I done my research, and do I trust this retailer? Does the retailer provide educational resources and disclosures? Am I able to return the ring if it's not exactly what I want?" Kanary says. "Ultimately, the most important question to consider is whether you will love and cherish your potential ring. And if that's a yes, then go for it!"

What are the best inexpensive stones that emulate a diamond? "There are several alternatives to diamonds available to fit any budget and preference. Synthetic moissanite is an excellent alternative to a diamond because of its physical properties. Moissanite offers a more affordable price point, but it still requires a modest budget to invest in a high-quality piece. Additionally, white zircon is a natural gemstone that imitates a diamond visually in its colorless nature and high dispersion," explains Kanary.

How can I make a diamond engagement ring more affordable? "If your heart is set on a diamond, but you want to maximize your budget, you may want to consider lab-grown diamonds over mined diamonds. Lab-grown diamonds are chemically, optically, and physically the same as mined diamonds," Kanary states.

Can I add stones to my engagement ring later? "With a good jeweler, you can do almost anything!" assures Kanary. "You may need to sacrifice some style designs depending on how much you want to add or change, but if you are looking for a simple stone swap, that can be done very easily as long as the stone has similar dimensions. Adding side stones is also a fairly simple task for a jeweler."

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30 Affordable Engagement Rings Under $1,500

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Hello, sparkle! We're loving this pavé-set diamond band featuring an emerald-cut center stone. The best part: that incredible double halo. Just because you're on a budget doesn't mean you should have to sacrifice any sparkle. With or without a diamond, it's possible to flaunt an affordable engagement ring that still turn heads.

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Website #3 Best places to buy engagement rings online.

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Website #3 Best places to buy engagement rings online.

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On this website, I found some online stores that carry affordable wedding rings. Online stores such as Etsy, Blue Nile are great because of their affordable prices. These online stores also have a convenient category of "couples rings" pairing options that work well for him and her together in one convenient and are a very affordable duo. So affordable in fact that many of the combinations come in at under $1000 for both bands. Lastly, most of the online stores offer free and secure shipping and priority shipping is based on a total order value minimum. Also, every order includes a 30-day return policy and lifetime guarantees.

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Engagement ring shopping is exciting but it can also be slightly overwhelming. There are so many options to choose from, and it's not exactly the same as scrolling through the new arrivals sections of your favorite retailers. What's more, an engagement ring is a huge investment and one you'll want to research before you buy. The good news? Online shopping has made it incredibly easy to find your dream engagement ring. "Shopping for engagement rings online allows you to browse through all of the different styles out there, to do your research on what you are looking for, and get a better understanding of every aspect of a ring," explains jewelry designer Katherine Kim.But, before you can figure out where you should buy your engagement ring from, there are some questions you should ask yourself.

Meet the Expert

Katherine Kim is the founder of Los Angeles based jewelry brand KATKIM. She was trained at Central Saint Martin College of Design in London and Fashion Institute of Technology in New York.

What style of engagement ring is right for you? Timeless, vintage, modern? Do you want a natural diamond? If so, you'll need to consider the cut-round, radiant, oval, emerald, square, or marquise? Perhaps you want a more affordable alternative like a lab-grown diamond? Or, maybe a white sapphire, morganite, or moissanite stone? Are you into the idea of a classic setting? Or, would you instead prefer to work directly with a designer to create a one-of-a-kind ring? And perhaps the biggest question-what is your budget?

No matter your style, the retailers below offer something special for every bride-to-be. Read on for the best places to buy engagement rings online.

If there is one place that is guaranteed to yield unique and alternative engagement rings, it's Etsy. With an entire section of the site dedicated to weddings and engagement rings, you'll be sure to find a design that catches your eye and stays within budget. From vintage-inspired morganite rings to classic oval solitaire rings, to preowned styles rich in history, browse endless options from trusted artists and vendors.

Shipping & Returns Policies

Since each seller has their own set of shop policies, make sure to check the payment plan options, estimated delivery date as well as return policy as they will vary from shop to shop.

Blue Nile is the largest online retailer of certified diamonds and fine jewelry and a pioneer in the online diamond engagement ring business, launching over 20 years ago in 1999. Bringing high-quality GIA-graded diamonds directly to consumers, Blue Nile carries thousands of independently-certified diamonds to choose from and guarantees a great value on every stone purchased by eliminating the "middleman." As a result, prices are significantly less than traditional retail. To wit, the brand stands by a Diamond Price-Match Guarantee for customers.

Special Services

Blue Nile is all about letting customers control the jewelry shopping process, whether you choose to use the "Build Your Own Ring" feature, shop the "Ready-to-Ship" ring collection, or want to buy a loose stone. The brand provides expert guidance with in-depth educational materials and unique online tools so customers can feel confident in their purchase. The brand has 24/7 customer service year-round and has introduced virtual appointments for those interested in learning more from their own home. If in-person guidance is more your style, Blue Nile has showrooms in Salem, New Hampshire, Long Island, New York, Portland, Oregon, Fairfax County, Virginia, and Bellevue, Washington.

Shipping & Returns Policies

Every engagement ring from Blue Nile is hand-crafted and quadruple-checked by diamond and jewelry experts to ensure the quality of a piece before it shipped via secure delivery methods. Every order includes a 30-day return policy and lifetime guarantees. Blue Nile also offers a Diamond Buyback program that allows customers to sell a loose diamond or piece of diamond jewelry for a cash offer based on current market value.

When it comes to buying an engagement ring, the direct-to-consumer model is becoming more popular, and Gemist is the first digital platform (with an app and website) that lets users custom-design rings and try them on at home before buying them. Think of them as the Warby Parker of jewelry. Less in-store stress and more at-home comfort.

Whether you're shopping for a diamond engagement ring, a stackable wedding band, or gemstone ring, Gemist has set out to streamline the process of shopping for a ring and at an accessible price point, too boot. First, customers can get inspiration by scrolling through various collections from classic to contemporary. Think traditional diamonds, rose-gold settings, gemstones from sapphires to emeralds, and styles meant for stacking. Then, customers can design their ring and customize various elements of it, including the metal color, setting, and cut of the stone.

Special Services

Gemist offers up to three identical faux "stand-in" ring options to try on at home before committing to the real thing which customers can hold on to for up to two weeks (a prepaid label is included for easy return!). If you're so inclined, you can purchase a stand-in ring for activities like travel and sports, where you might not want to wear the real thing. Once you've decided on your perfect ring, the final design is made with ethically-sourced stones, handset in Los Angeles, and ships in three to four weeks.

If you feel like you want more guidance from an expert, Gemist's On The Hunt program offers customers a 15 to 30-minute consultation with one of Gemist's stylists so you can discuss ideas and design options for a customizable experience. To complement the ring of your dreams, Gemist has launched a line of earrings from studs to hoops and huggies.

Shipping & Returns Policies

Genuine rings will ship approximately 3-4 weeks after the order is placed and a signature will be required upon delivery. Everyday rings can be returned within 14 days of the purchase day but fully custom engagement rings cannot be returned.

For a non-traditional engagement ring, look to the Brooklyn-based jewelry brand, Mociun, for distinctive designs that truly stand out. Founded by California native, Caitlin Mociun, the brand is known for using rare and unusual diamonds and gemstones in engagement ring designs and working one-on-one with clients to create exceptional, one-of-a-kind pieces.

With a simple aesthetic that aways reads unexpected and elegant, Mociun's engagement ring designs are handmade in New York and range from clean and geometric to maximalist cluster settings with playful uses of color and spacing. As the company's only designer, Mociun herself hand-selects all of the materials, sketches each design, and works closely with her production team and New York City-based jewelers to bring every piece to life.

With a selective inventory of unique gemstones, Mociun engagement rings often feature rare-cut diamonds such as an asymmetrical hexagon diamond, a step-cut kite-shaped diamond, a rhomboid step-cut yellow diamond, and an octagonal old mine cut diamond. Plus, innovative settings to make more classic cuts like ovals, round cuts, cushions, and emerald cuts appear unique as ever.

Special Services

Mociun welcomes ideas and questions from customers, too. So, if you've been dreaming up a custom engagement ring, you can fill out a Custom Jewelry Inquiry Form to send in inspiration, design preferences, stone and metal ideas, your timeline, and budget details. From there, the team will reach out to set up an appointment with Mociun to discuss your project in-person at the brand's Brooklyn showroom, by phone, email, or video chat. After reviewing your ideas and collaborating with the Mociun on the final bespoke design, you will be able to start the gem and metal selection process. Once final material selections have been made, the production of your ring will take approximately six to eight weeks to be made with a complete project timeline averaging between eight to ten weeks.

Mociun also carries a selection of antique and vintage rings and offers an in-depth gem guide that details everything from the brand's ethical approach to design to information on various gemstones and cuts, as well as the differences between newly mined diamonds and antique diamonds.

Shipping & Returns Policies

Mociun jewelry is made to order so it takes approximately 2-3 weeks for production. For all domestic orders, expect delivery within 5 business days if you choose ground shipping. If you live in New York, you can also pick up your ring at Mociun's store located in Brooklyn, NY. All customized or resized rings are final sale and cannot be returned. All eligible purchases can be exchanged for store credit within 14 days of your delivery date.

If you're a fan of Emma Stone, then you may know that her luminescent pearl engagement ring comes from fine jewelry brand, Kataoka. Known for his exquisite and delicate jewelry, Yoshinobu Kataoka prides himself on creating wearable works of art. Kataoka's pieces are for the bride who is looking for an engagement ring that has an heirloom vibe. Browse beautifully handcrafted rings with unique pairings like pearls nestled between gorgeous green emeralds and striking amethysts or go bold with a smokey blue sapphire ring dotted with twinkling diamonds.

Since many of Kataoka's rings are delicate in design, they make for excellent stacking rings. Stack your engagement ring with a thin matching or opt for one of Kataoka's colorful creations in aquamarine or tourmaline to set your stack apart from the rest.

Shipping & Return Policies

Since every piece of Kataoka's jewelry is handmade, it takes about 4 weeks for an order to be completed but in special cases, they are more than happy to prioritize shipping.

Doyle & Doyle

If you're in the market for an antique, estate, or vintage engagement ring, Doyle & Doyle offers a hand-selected collection of spectacular engagement rings. Based in New York City, the company was founded in 1998 by sisters Elizabeth Doyle and Irene Pamela Doyle, both of whom have worked to curate an impressive collection of rare and unique vintage gems that mix edgy elegance with glamour and beauty. The curated selection includes rings from a wide range of periods, including classic mid-century diamond solitaires, romantic Victorian cluster rings, and timeless Art Deco designs. They even carry vintage rings from famous jewelers like Tiffany & Co. and seek out rings that are a little more off the beaten path, including fancy colored and shaped diamonds, rare gemstones, and unique designs.

Doyle & Doyle also has an in-house contemporary line of jewelry called Heirloom by Doyle & Doyle label with engagement rings designed by Elizabeth Doyle and created locally in New York. They feature antique and vintage diamonds set in modern and antique-inspired settings - the best of both worlds if you prefer a new ring, but want a more unique and sustainable diamond.

Whether you want a solitaire stone, three-stone design, or multi-stone ring, Doyle & Doyle delivers on distinctive style and a "no pressure" approach to shopping for an engagement ring. The company prides itself on gently guiding customers without making them feel pressured to purchase. From popular vintage cuts like Asscher, Old European, and round brilliant, to colored stones like orange-brown diamonds, yellow diamonds, and pink sapphires as well as unique cuts and settings, Doyle & Doyle's curations of engagement rings are nothing short of stand out.

Special Services

Doyle & Doyle is also able to work with customers who have a family diamond they want re-designed. Or, they're able to help to source a diamond or gemstone to customers' exact specifications and then set it in one of their vintage mountings, an Heirloom by Doyle & Doyle mounting, or in a custom design.

Shipping & Returns Policies

Doyle & Doyle will ship your ring through FedEx, fully insured. They also offer free 2 day delivery or next-day shipping for $75. For online purchases, under $2,500, you have 7 days from the delivery date to return your item and for purchases over $2,500, you have 14 days to complete your return.

What to look for when buying an engagement ring online

Since viewing an engagement ring online is a little different than viewing it in person it's important to familiarize yourself with the different types of metals as well as the Four C's of diamonds (cut, color, clarity) to help you better understand exactly what the ring will look like. Contacting the brand or retailer directly can also help you gain more insight into a certain piece.

Is it safe to buy an engagement ring online?

"It is completely safe to purchase your engagement ring online but you'll want to make sure you are working with a reputable jeweler so you know that your piece will arrive safely with a certificate and a warranty," says Kim.

Can I return an engagement ring that I purchased online?

In general, many retailers accept returns or exchanges but since every retailer is different, it's important to read all shipping and return policies before you purchase your ring. Engagement rings that are custom-made are usually not eligible for returns or refunds.

Why Trust Brides

Contributing writer Laura Lajiness covers fashion, accessories, and fine jewelry. Her work can be seen across various outlets, including ELLE, InStyle, Glamour, Refinery 29, The Zoe Report, Popsugar, Well+Good, and Barneys New York, among other titles and brands. Contributing writer Sophie Moore is a former fashion editor at Brides and is an expert in all things bridal attire, from couture wedding gowns to the perfect "something blue" accessory

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The 14 Best Places to Buy Engagement Rings Online

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Engagement ring shopping is exciting but it can also be slightly overwhelming. There are so many options to choose from, and it's not exactly the same as scrolling through the new arrivals sections of your favorite retailers. What's more, an engagement ring is a huge investment and one you'll want to research before you buy.

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Diamonds cut in this shape are affordable because they are step-cut, there is less waste when these diamonds are cut off of the rough stone, which is going to cost the same no matter how it gets cut and it is designed to showcase their clarity and lustre. This means that they can look impressive if their colour and clarity are excellent. Asscher cut diamonds use a fairly large percentage of the original rough diamond. Because of this, they generally offer better value per carat than round cut and similar diamonds.

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1. This topic educated me on how to budget to purchase a wedding ring. As much I enjoyed researching this topic, I was also eager to learn about different diamond prices and the details behind the prices. It is surprising to know that many people prefer diamond rings because of their value and although there are levels of value (trade, retail selling price and value for insurance) a diamond will keep its value, will not perish, will not decay and for some, investing in diamonds proves far safer than investing with a financial institution.
2. This topic is interesting for me because I have a sister that is planning on getting married next year. All the information I've grabbed from this topic will be useful because I will be helping my sister's boyfriend decide on the ring that is best for them.
3. If I could pass one useful piece of information to a friend or a family member based on my research is to keep the 4C's in mind (colour, clarity, cut, and carat weight) when looking to buy a diamond ring.

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This website shows you the price ranges between different diamond shapes. Round cut diamonds are the most expensive diamond shape. The reason for this is that a large amount of the rough diamond is discarded in the cutting and polishing process. Another factor that affects the price of a round-cut diamond is its shape’s popularity. As such, you can expect to pay more for a round-cut diamond than you would for just about any other diamond shape.