The answer is: not necessarily. While two months' salary can get you a nice ring, in today's economy it is not always practical. Relax, you can still get a lovely engagement ring and not have to break the budget. Don't worry, an affordable ring won't turn your finger green and can be a lovely heirloom to pass on to your children.



Make sure you go to a reputable jeweler. They can be found in local shopping centers, on line or in the phone book. Looking online first can help you get an idea what rings are available and give you an idea of prices so you don't waste time.

Of course, the bulk of the price of an engagement ring is in the diamond. You may have heard of the four Cs of diamond appraisals. These 4 Cs determine how expensive your ring will be.

Cut is the first C. The better the cut, the higher the diamond is rated. A good cut will give the diamond its sparkle.

Clarity is the second C. The clearer a diamond is, the higher the diamond is rated. Clarity comes from the amount that carbon is pressurized within the stone. The less carbon, the clearer the diamond will be.

Color is the third C. You may be surprised to know that all diamonds have color, usually a yellowish tint. Some diamond color may not be seen by the naked eye. The more purely white a diamond is, the higher it is rated.

Carat is the fourth C. Carat is the measure of a diamond's weight. Of course, the more carats, the more highly a diamond is rated.

To get a more affordable ring, decide which of these Cs are less important to you. For example, a smaller diamond that is more perfect in other respects may be acceptable to you, while another couple wants a big stone and not care how yellow it may be. Another option is to go for a smaller, simpler setting to enhance the beauty of the diamond.

If you have something specifically in mind, many jewelers have designers on staff that may be able to help you create a perfect ring within your budget. For example, if you have Grandma's engagement ring but just do not care for the setting, a jewelry designe may be able to incorporate the stone into a ring that suits you.

It is also possible to not have a diamond engagement ring at all. After all, it is your relationship. You and your intended are unique. Your ring can be unique too. Whatever you choose, make sure it is a ring that celebrates your love for each other.