We believe that an engagement ring should be within reach for anyone. So if you find yourself pinching pennies and wishing for juuust a little extra help, you're in luck! We offer a variety of financial plans and options that are suited to any budget and lifestyle.

BUY NOW, PAY LATER

"Buy Now, Pay Later" (BNPL) is like the financial fairy godmother for when you want that "wow" piece but your bank account's saying, "not now." Imagine snagging that dream ring or necklace today, but spreading the cost over time, often with zilch in interest. Sounds pretty sweet, right?

Pros? Oh, there are a few juicy ones. It's like instant gratification meets responsible spending. You get your bling right away with more manageable, bite-sized payments. Plus, if you play by the rules and make payments on time, interest often doesn't crash the party, keeping your total cost down.

But (yep, there's a "but"), BNPL isn't all sunshine and rainbows. Cons include the temptation to overspend because, suddenly, everything feels attainable. And, if life throws you a curveball and you miss payments, interest and fees might jump out, turning a great deal into a financial headache. Plus, not managing it right could give your credit score a bit of a tumble. Of course, budgeting and staying on track with payments can go a long way when it comes to this.

Olivia Ewing Jewelry partners with three BNPL companies,

• BreadPay

• Affirm

• PayPal Pay Later

Each company has its different pros and cons so we recommend doing some research to see which one most aligns with your current financial situation. But, of course, you really can’t go wrong with any of the three.

SCHEDULE PAYMENTS WITH OLIVIA EWING JEWELRY

If you’re not sure that you want to also propose to a company along with your s/o then you’ll be happy to know that we can split a one time payment 2-3 times. But unlike the BNPL model, you won’t receive your piece until your payments are fully settled.

Pros: It breaks up the cost, making big splurges less wallet-crushing at once.

Cons: The real kicker - you won't clutch that precious piece until the payments are fully done. So, patience is your new bestie. If you can handle the wait, it’s a smooth way to budget that bling. Just make sure delayed gratification is your thing before you dive in!

TIPS FOR KEEPING THINGS AFFORDABLE

diving into the engagement ring ocean can feel like a doozy for your wallet, but fear not! Keeping things affordable doesn't mean skimping on sparkle.

First tip: think beyond the diamond. Nowadays, alternatives like moissanite or sapphires can make your ring pop without popping your financial bubble. They’re dazzling, durable, and definitely kinder to your bank account.

Now, let’s talk turkey...I mean, budget. Having that “Here’s what we’re spending” chat upfront can save you from heartache and debtache later. It’s like a love letter to your future finances. Setting a clear budget is your compass in the vast sea of choices.

Last but not least, silver is your shiny, underrated friend. Choosing silver over platinum or gold can still give you that lustre you’re after, without the heavy price tag. It’s stylish, timeless, and oh-so-kind to your savings. So go ahead, mix savvy shopping with a dash of romance, and make that dream ring a reality!

LET OLIVIA EWING JEWELRY MAKE YOUR ENGAGEMENT RING DREAMS A REALITY

Ready to take that plunge? We can help! Olivia Ewing Jewelry offers stunningly affordable engagement rings in a variety of gemstone and metal choices, settings, and sizes. From dreamy half-halos to sturdy solitaires, delicate diamonds to marvelous Montana sapphires, we have rings to suit anyone’s budget and taste.

SHOP OLIVIA EWING JEWELRY 

Meet the Author: Olivia Ewing