Begin by deciding how much ring you will be able to afford in your current budget. Generally men apply the 2 months earnings rule. This suggests the engagement ring you are purchasing should cost the same as two months worth of your current earnings. Since you have additional expenses to consider, saving up that sum of money could take quite a long time. You might need to thing about financing. Go to the jewelry store you plan to but the diamond ring from and tell them you are planning on buying an engagement ring, and also let them know that you will require financing for your purchase. Go a head with getting your credit checked and out of the way, find out what you payments would be, and the amount of money required down to proceed.

Now ask your girlfriends best friend to take your girlfriend shopping, but make sure this friend can be trusted to be discrete. Ensure that while shopping the girls just happen to gaze at the engagement rings so you can get an idea of what type of engagment rings your girlfriend might like. 
Once you have a general idea of what may please your lady, make sure that the jeweler
you purchase the ring from will permit you to return the ring, for an exchange or just in case your beloved is not ready for this big step yet. You will want to be sure the jeweler has an exchange policy as you want your girlfriend to love the ring she will be sporting for the rest of her life. 

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