Just Engaged and Proposals

Am I a horrible gold-digging wench?

My fiance is the one who insisted on buying an engagement ring. I maintained that it was an unnecessary expense and I would be fine with just wearing a wedding band, but he peristed. However, he procrastinates, and is horrible with money, and for several reasons, has to start over from scratch on saving up for my ring. Originally, he said I could pick out anything up to $1500. The very first time we went looking, back in November, I found a ring I loved that was on sale for $899. He stalled on buying it because he has issues making large purhcases, prefering to spend small amounts here and there, but not keeping track of his finances. While his savings dwindled, the rate of gold went up, increasing the price of the ring by $100. By the time I confronted him on this issue, he was not comfortable spending that much anymore. No problem, I said, and I downsized. I found a more modest version of the ring for $499. He was expecting a larger-than-normal paycheck that weekend and we made plans to go pick up the ring on Good Friday, but he complained he didn't "feel like it" that day. The next day I had a friend's birthday party to organize and he objected to squeezing in that errand on an otherwise busy day. Sunday the stores were closed, because it was Easter. I feard that once again, he would blow the money for the ring on smaller purchases. And I was right! We never could get it together on going shopping during that week, and had friends in town the next weekend, during which he frittered away all his disposable money on dinners, cocktails, and trips to the record and book stores. Not to worry, he said, it's payday next week. But when last weekend came, he said he had overspent and underestimated this check, and he had to pay the rent.

All of this time, I'm thinking, maybe he doesn't really want to marry me. He says he does, but his actions aren't lining up with his words. He doesn't want to tell his parents we're engaged before we have the jewelry to prove it, but he keeps stalling on buying the ring, spending money on other things. It doesn't sound like the behavior of someone ready to make a lifelong commitment to another person. It sounds like maybe he proposed because he felt like he was supposed to. We had gone ring shopping, talked about a wedding, all our friends and family were just holding their breath waiting for us to get enganged. We've been together five years. Maybe this is all he wants, and he's hoping that if he puts it off long enough, I'll just let the whole engagement ring/wedding situation drop. And I'm freaking out while I'm thinking all this. I'm not cool and calm. Last week my stepmother threw a but of a fit over the price of two weddings in three years (my little sister got hitched last year and they paid for about 1/2 of it), and my dad threatened to divorce her for acting like a cheap harpy. My fiance's solution to this was not a modest courthouse wedding and a postponed reception, but to postpone the whole thing, marriage and all, indefinitely, while my dad and stepmom worked their situation out.

I figured that was as good as proof- he was trying to use this as an out. So we had very stifled, difficult conversations over the past two weekends where he was angry with me because he felt like I was calling him a liar, and I was angry because he is not manning up. He admitted he needs some help saving up, needs me to keep tabs on his spending and saving, but that he wants to buy my ring, and soon. He put together a savings plan and I promised to help him as long as he promised not to get snippy with me when I reminded him of his savings plan.

So I'm thinking, since he has to save up all over again, can't he just save up a little longer so I can have the ring I wanted originally? And, after all this, don't I freakin' deserve it?
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Re: Am I a horrible gold-digging wench?

  • Definately not a gold-digging wench. He does sound a little nervous, but that could be completely misread out of context. Are you guys going to take marriage counseling? My fiance and I were roommates in college and have been dating for almost two years, so we've been under the same roof for about four years now; and we're still going to get marriage counseling. It's important to be on the same page with finances or it will destroy your marriage. It is a good step in the right direction that he wants your help with the spending and saving, and smart of you to make note that he can't get snippy about it. Stay on top of that to make sure it doesn't turn into a resentful situation based on nagging wife vs. husband you can't depend on. Back to the ring situation, you deserve the ring you want, especially since it was his idea in the first place and well within his original price range. He obviously put thought into it, so it is more than fair to get the ring you want. Good luck :)
  • He needs to get his priorities in line. You should be important enough to him that he's willing to stop spending money selfishly and buy you a ring.

    As far as the stalling part goes, I would put my foot down and give him an ultimatum. You need to have a serious discussion about your future. If he's not ready to get married, then he needs to stop stringing you along and tell you the truth.
  • Yes, talk to him this weekend.  Make him realize that is about more than the ring, you are planning on spending the rest of your life with him, and you need him to be responsible with money. 

    You should wait and get the ring you really want.  We made wedding plans in January, but I didn't get me ring until March.  We wanted to pay cash and not dip into any savings to pay for the ring.  We could have put it on a credit card, but we just felt for a luxury item, we should pay cash. 
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  • Actions speak louder then words...if he has told you over and over that he will save his money and not blow it, and continues to do so, you have to know things aren't going to change easily.  If you love him, that is important, but money is the NUMBER 1 issue in a marriage, and I fear that you will spend your married life fighting and worrying about this no matter how much he says he is going to change...

    This is not even about the amount of money or the size of the ring, it's about your lives coming together and sharing responsibilites
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  • can I tell you that your title made me want to come on here, not read anything and just say yest for the fun of it ;) In actuality though, you are not at all a gold digger. If you were, when he originally gave you the 1500 limit...you would have found a 3000 ring and tried to plead and cajole him to get you that one. In return,you found one several hundred dollars cheaper than that. Now, youve lowered that even more. I kinda agree with you, if you are both fine delaying a little longer and he has the ability to save a little more (job-wise i mean), I dont see why you shouldnt be able to wait a bit and a get the original ring you wanted. sounds like a reasonable request.

  • Can I ask WHY you want to be engaged to someone who can't even come up with $500 for a ring?  That is a huge dealbreaker for me.

     It's not even about the ring.  If saving up for something small like $500 is an issue then what chance do you have to save for a DP on a home, a car or be okay in the event of losing a job? 
     
    It appears to me his lack of savings is purely laziness and not because of any real emergencies. Or even worse he is just making up excuses to string you along.   I would have to think long and hard before I could say yes to someone like that.






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  • In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_just-engaged-proposals_am-horrible-gold-digging-wench?plckFindPostKey=Cat:Wedding%20BoardsForum:683Discussion:0a287910-dc7c-44ed-a968-c4cf82a18610Post:14964354-1f5e-4261-853a-bcd7f9ce2e2f">Re: Am I a horrible gold-digging wench?</a>:
    [QUOTE]I think you have extremely valid points. If he can't stop spending his savings, how will he save for a wedding? For a house? For your children's college educations? Yes, I think you should have a ring you really love. But financial problems and what you think is lying beneath are the bigger things you need to address.
    Posted by msmerymac[/QUOTE]

    Exactly what I was going to say. That being said, my fiance bought my ring with credit  since all of his savings was spent on unforseen car trouble.  I think that you should be able to get what you want, but he also has to be willing to make sacrifices for that.
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  • You gotta be kidding me?  I'm sorry but you should be concerned about his spending habits and his treatment of you.  Any man that has this much difficulty buying an engagement ring, which to me is an important symbol (regarding of the size of the rock), obviously has issues (money and otherwise). You just need to decide whether this is what you want or not....  There is nothing wrong with wanting a stable life--and this guy doesn't seem like he is going to be able to give it to you. Not only that, if he spent the money on everything other than your ring, doesn't that make him selfish?  Even if a man has to work his butt off to save money, if he is self-respecting and respects you, he will save to buy the woman that he loves an engagement ring. It doesn't have to be extravagant, but just what he can afford. But he didn't even manage to save to buy you what he could afford--he spent and proacrastinated. I don't like it at all...sorry, just being honest. 
  • I had very similar problems with my fiancee. First it was that he was laid off and couldn't afford to get a ring and then when he had the job, I didn't understand why he was taking so long to buy it. I even paid for the rent for 2 months so he could save up. Eventually we talked about it and there were some things holding him back that we had to work through, eventually he got motivated enough to purchase the ring and actually got me a better ring then I had even wanted.
  • you said that a ring was an unnecessary expense.  it sounds like you said that because you knew your fiance was either on a budget or just not good with saving/finances.  so if you really want to get married, then accept the gold band (which is the proof of actually BEING married) and forget the engagemenrt ring (which is just an indication that you MIGHT get married).

    let your stepmom off the hook for complaining about wedding costs.  perhaps she has other stuff she'd like to spend her money on.  if you're old enough to get married, then you're old enough to pay for it youself. 

    before you get married to your fiance, you need to take a look at how he handles his finances.  it sounds like he really does need some help (and not yours) with learning how to budget and be confident with his finances.  i

    t sounds like he has enough money to do those things which are not considered "unnecessary expenses" like the record and book store, cocktails, and hanging out with friends.  so you might have brought this one upon yourself, by not disclosing the REAL value which you place upon an engagement ring. 

  • heidi431heidi431 member
    First Comment
    edited April 2010
    I think you are totally reasonable! I also think people have good points in their comments; learning to save is extremely important and being financially stable is very helpful in a marriage. 

    My fiance had saved up two months salary as my limit for a ring.  I think this is customary, but I know the economy is difficult right now.  We did not spend near that amount; I found an estate (or antique) ring from the 1920's that I loved!  It was also special because we had just bought a 1920's bungalow. Overall, it saved us over 50% and it was completely original. Both my sisters have passed down diamonds which is another great way to do it.  I feel like it is also enviornmentally responsible to use old diamonds - they do last forver!
  • He's not financially ready for marriage and that is why he is putting it off.  My FI waited 10 years to propose.  I asked him why he waited so long, and he told me that he was not financially ready.  He had a lot of credit card debt at the time and he has now paid it off.  He also waited so that I could finish college and not be burdened with any financial troubles that occur with wedding planning, marriage, etc. 

    You should talk to him and set up a plan to help him with his financials.  I am sure that once he is ready he will buy you the ring of your dreams and propose.  If you have been with him 5 years I don't think another few months or years will hurt.  I am glad we waited, because if we had gotten married sooner we may have had a lot of financial troubles and the fights that come along with it. 
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  • As far as the money issues go...  I was a terrible budgeter and couldn't save ANYTHING until FI and I went through Dave Ramsey's "Financial Peace University."

    http://www.daveramsey.com/fpu/home/

    Yeah, the website looks pretty hokey, but the basic budgeting tools I learned were indispensible.  I had never really saved any money my entire life, but I did FPU last summer, and I started implementing the suggestions in August.  Over the next nine months, I was able to save $1,000 to pay for my dress in cash.

    But whatever route you take, I would definitely suggest some kind of personal financial management class.  That way, you won't feel like you're his mom teaching him how to use a piggy bank.  :)
  • Don't marry him. Seriously. Go find someone else to give your time to.... this is just going to get worse.
  • I think you're being reasonable. So far it sounds like you've been very compromising and understanding but at the sacrifice of your own peace of mind. Honestly, have you guys ever thought of couples' or pre-marital counseling? I'd hate it for you if you had to do this for the rest of your life - baby-sitting I mean.
    Godd luck hon.

  • I gotta say this girl was a little hrash on you....Your stepmom shouldn't complain, but rather talk with your father about what they can afford (and at the very least they should do whatever they did for your sister) - and then they should talk with you together.  She shouldn't make you feel bad for getting engaged though. 

    And I have to say -- seriously yes, like everyone else, I agree that the money might be an issue, but the REAL issue is that he is disrespecting you.  We live on a very tight budget right now, so I understand, but you are being disrespected by being told one thing and then him totally not delivering.  It is not making you feel wanted or valued in your relationship.  I would recommend that you do some marriage prep counseling before yo move forward with anything.  You totally deserve the ring, but if he can't realize what this roller coaster ride is doing to your emotions, then it won't be worth buying a ring.  I do not mean for that to be rude -- I just feel like your feelings aren't being taken in to consideration.  He should never say he doesn't feel like going to get the ring!  He should be so happy to pick it up himself and get on one knee and present it to you the way you deserve!
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  • Your fiance needs to get a handle on his finances. It is unbelievable how he lives paycheck to paycheck like he is and he wants to marry you? Is that how he is going to provide for you and your future children? Wait for next week's paycheck? I suggest checking out www.daveramsey.com or finding a Financial Peace University class near you. My fiance and I are on the Dave Ramsey program together and it has REALLY helped our finances and relationship. It is SO worth the money we paid for the class because you get a lot out of it. I hope it helps the both of you too.
  • I agree with everyone here...you need to address his spending habits because it won't just stop before you get married.  It will continue on long after you get married and then the fights will really start and you don't want that added stress to your newly married life.  Things like finances, kids, major issues should be talked about and ironed out before you say I Do. 
  • Don't be afraid to go dutch with the engagement ring.  Its 2010 and sometimes with different financial situations it makes more sense.  My fiance is in law school and I'm working, so we split the cost of the ring.  When I look at it I see the commitment and decision we made together.

    It sounds like your guy has bad money issues.  I'd go to see a financial counselor together before you tie the knot. 
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  • I wouldn't marry this guy. That's just my opinion. He sounds like a child. If he really wants you for the rest of his life, giving you the engagement ring you want should be top priority. I think you really need to check yourself and really think this through because if you have to babysit his savings over a 900 dollar ring now, what'll be like when you are saving for a baby? He sounds like an irresponsible spender. You have every right to want to rethink this. But, for me, all of this would be a dumpable offense. That's just me though. I have a low bs tolerance after being married to a guy that was an overgrown child for ten years.
  • Ok I just had to comment on this one... partly because it (and the responses) made me laugh... and reminisce about my own past situations.

    First off, I've been married twice before... and subsequently divorced. Both were essentially over money issues...

    Husband #1 was such a saver that he never actually enjoyed anything in life and it ended up driving us both nuts. He thought I was irresponsible, I thought he was a fuddy-duddy.

    Husband #2 couldn't save to buy anything... if his life depended on it. I couldn't plan a future with this person.

    You really do need to get things in gear financially before getting married or it will be a constant stressor in your relationship. I'm guessing that now you're keeping finances separate but at some point plan to combine. If one of you behaves in a way that's vastly different from the other, it'll cause nothing but problems.

    Once you are on the same page or at least have an honest open dialogue going, THEN you can worry about the whole ring and wedding deal.
  • I also would give "Smart Couple Finish Rich" a try and see if maybe it helps you two get on the same financial page as it were.
  • You are NOT a gold-digger you have value in yourself, he needs to get it together, much like the post above if he can't get it together to get you a ring, what about everything else.  Maybe you should have him make weekly/monthly deposits to you and you can place the funds safely out of his reach.  I say go for the ring you want:  Bigger Ring-Smaller Wedding, it will be here when the day has long since passed!  You plan to wear it for a long time so get something you like.  I do not see you being unreasonable in the least!  At least you guys are communicating about the issue that is a positive! 

    Good luck to you, interested to hear how it comes out!
  • You were totally reasonable about the price of your ring and are SO NOT a gold digger! We got engaged in December but waited until the jeweler's we had picked the ring from had their huge 70% off sale around Valentine's Day and got my $6k ring for just under $2k. My FI had an issue with spending even that much on a ring, but after talking with his brothers he realized he really got off cheap!
    Your real issue is finances, like all the PP's have said. Pre-marital counseling (doesn't matter how long you've lived together, marriage is different!) is a must! Dave Ramsey is awesome, love him to pieces, all about the envelope system!
    Take some time, talk it out and find out what he's really afraid of, good luck!

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  • I'm questioning whether or not you really should be marrying someone with such poor money management skills. What happens when he squanders the money for the house payment, retirement, the tires for your car, or your children's college tuition? 

    I think you need to find a solution to his money problems before you start worrying about what ring you are going to wear. Otherwise you could be stuck with his bankruptcy and the mess he's left in his wake, and divorce won't get you out of the responsibility for his debt. 

    When you get all that settled, get the ring you'll want to wear every day for the rest of your life, even if it means saving up a bit longer for it. 
  • I agree with the PP. you are NOT a gold digger. You know what I would do? 
    1. Sit down and have a frank conversation. Ask him if he really wants to marry you.
    2. Do not downgrade the ring. He said $1500 and you deserve that, even if it takes him a few months to save that up.
    3. You cannot expect your father and step-mother to pay for everything. That is why some people have longer engagements. We are paying for everything. although my mum paid to have her dress altered because I chose her dress over the others). 
    4. Do NOT settle for a court house wedding because that is not what you want. You cannot do a reception later because later will never come and you will be angry. You may not get to invite 200 people and have the fanciest wedding ever; but you do get to have a proper wedding that you want. 
    5. Own that paycheck of his since he cannot seem to hold on to it. I mean for you to help him pay his bills and put money aside for the ring. 

  • melissamc2melissamc2 member
    1000 Comments
    edited April 2010
    There is so much in this post that I see as an issue, but several others have commented on most of them.  What I'll focus on is the fact that he thinks your parents not being able to afford something right now is a valid reason to postpone your wedding.  They should not be counted on, financially, for you two to wed.  I, personally, would not be with a man who factored what others would/could pay into when we were to get married. 

    He sounds sketchy.  I don't know him, so maybe he's not, but that's how it comes across.   As for your title...you're about as far from a gold-digger as possible and have more patience than I would ever even want to have.  Good luck!
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  • I read most of these posts and I must say first:
    NO YOU ARE NOT A HORIBLE GOLD DIGGING WENCH!

    I was married for 17 years and for 17 years "things came up" with regards to money.  We always managed to get what we needed but never enought to get ahead.  He finally got what he wanted and his new wife is from Thailand and from what I hear, he can't afford anything.

    I am now engaged to a man who brought up on our second date that he was working on his finances (red flag).  What I found out was that he was truly working on them.  After a year he is out of debt, saving for the future and asked me how much WE needed to put away for MY kids college education each month. I didn't realize until that question was asked how worried I had been about this and how much his actions had reassured me.

    We worked out a common budge when we moved in together, split the bills up and have a savings plan.  I can honestly say that I am far more relaxed now than I was for 17 years and I don't feel like I am going to not be able to pay the bills each month. 

    Please DON'T get married until you can figure out the money stuff.  Love will take you a long way but money can and does tear people apart!

    Good Luck!

  • rockyraccoonrockyraccoon member
    First Comment
    edited April 2010
    Uhhh no you are definately NOT a gold digger.  Any gold diggers I know would never accept a $1500 ring much less a $500 one. Bigger question does he feel better about spending money on hmself?  Seems hes putting going out for fun higher up than a promise he made you.  Does he understand that weddings and babies if you go that route cost more than a $5oo ring?  My son was on special formula that ran about $100 per week!   Yes its just a ring but the real issue here is budgeting money which you are both responsible for.  You will be his wife not his mommy you both need to learn how to be responsible with money it can't all lie on your shoulders.  Resentment will happen- he with you for controlling him and you w/ him for making you out to be the bad guy.  You can always upgrade I started out with a solitaire b/c quality was always more important than size then a couple years later for Valentines day he added 2 more diamonds of equal quality.  2 more stones then I should be good!! LOL
  • Being a gold-digger has nothing to do with this situation. You are describing the actions of a teenage boy who clearly is not sure about marriage. What makes you think he can commit to you if he can't commit to a savings plana? It sounds like you have child to care for rather than a partner whom you can rely on....

    I would think twice about this guy, sister.
    Also, 800 some odd dollars is a joke for an engagement ring!
    It's not an investment that reflects a commitment like marriage.

    Do not except less than you are worthy of BECAUSE you will regret and resent him in the long run. It just sounds like you are settling. Big Mistake

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