It’s essential to keep your budget in mind when planning for your next big jewelry purchase. Obviously, you don’t want to overspend and blow your savings on a single jewelry piece, but you also don’t want to cut corners and opt for lesser quality jewelry just for the sake of saving a bit of money. In order to get the highest-quality jewelry pieces that you can on a budget, it’s important to consider your financing options, what type of metal is right for you, and how to find the highest-quality diamonds for your personal budget. If you’re in the market for some new jewelry but aren’t sure that you can make it work with your current budget, we’ve got you covered with tips and tricks on how to make your jewelry dreams a reality.
Credit Jewelers Can Help You Finance
If you’re sticking to a strict budget, you might feel like you’re not able to make the jewelry purchases that you want to. However, with the help of credit jewelers, you can find a financing plan that fits your budgetary situation and allows you to purchase the gorgeous accessories that you long for. Credit jewelers offer a wide array of different jewelry products including necklaces, bracelets, earrings, and even engagement rings. When you buy a jewelry piece from a credit jeweler, they’ll have you sign up for a credit card or other form of monthly payment plan, so that you can pay them back for the fine jewelry that you’re buying. When applying for credit to buy jewelry with a credit jeweler, they’ll likely check your credit history to ensure that you’ve made recurring monthly payments on time. Once you’re approved, you’ll agree to a monthly payment rate that you’ll owe the credit jewelers until you’ve fully paid off your balance. Typically, credit jewelers offer payment periods between 12, 24, 36, and 60 months, so you’ll have ample time to repay the company for your purchase in the future, while getting to enjoy what you buy in the present.
Infographic provided by Gems on DisplayConsider Quality to Get the Biggest Bang for Your Buck
When shopping for jewelry on a budget, you’ll want to consider the quality of the jewelry that you purchase in order to get the biggest bang for your buck. While you might think that buying less expensive jewelry is the way to go when you’re working with a limited budget, it’s actually not so. Let’s say that you buy a cheap gold necklace that you find online. You can’t believe that you got such a great deal, until you realize that the necklace has started to tarnish after you forgot to take it off in the shower one morning, which real gold won’t do. Since you opted for a cheap, fake gold necklace, you ended up with jewelry of a lesser quality, and now need to buy another necklace. This can lead to an endless cycle of buying lower priced jewelry only to be disappointed by the results.
Instead, focus your budgetary efforts on saving up for a high-quality jewelry item that you can wear for years to come. Be sure that you’re looking for jewelry made with real gold, some of the best pieces being in the 14 karat range, or sterling silver, to ensure that the accessories you choose will be made with metal that will stand up to the test of time. In terms of diamond jewelry, you’ll want to be especially aware of the 4C’s of diamonds: cut, color, clarity, and carat. The terms are defined as follows:
- Cut: Determines how brilliant the diamond is, aka how much it sparkles.
- Color: The hue that the diamond gives off when exposed to light. Colorless diamonds are most sought after, though some may prefer a diamond with a specialty color.
- Clarity: Determines how pure the stone is; the less imperfections the better.
- Carat: Determines the size of the diamond; the larger, the more expensive.
It’s important to look into the quality of your diamond jewelry before buying, as there are many diamond simulants on the market that sellers might claim to be real. While these simulants may look just like real diamonds, they’re not of the same caliber as real diamonds are. Credit jewelers will be able to offer you high-quality diamond pieces that you can easily finance, so you know that you’re getting the best jewelry in a way that works for your budget.
In Conclusion
Being on a budget doesn’t mean that you have to be excluded from purchasing jewelry. By working with credit jewelers to finance your favorite pieces and making sure that you invest in jewelry that’s made with high-quality materials, you’ll be able to buy the jewelry you want even when funds are tight. What kind of jewelry are you most interested in buying?
