<prompt> Human: So Ive already read through some of the posts on this sub about purchasing and financing engagement rings, but I want to get a feel for my options. Note that this is a throwaway, since I want to be sneaky about engagement things.At this point, I am already engaged. We had a series of conversations about getting married that ultimately led to me popping the question before I was really ready with a ring and all. Ive purchased her an inexpensive bentwood, for those who are interested ring as a placeholder, and shes been wearing it for a couple of months now. But the plan was, and continues to be, that I want to get her a nice engagement ring.I have found a ring that is pretty much exactly what I was looking for. Its rose gold with an aquamarine, rather than one of the more traditional ring combos e.g. platinumdiamond and its a little under 1000. At this point, I dont have a ton of savings because Ive been trying to pay down my 22k 6 of student loan debt as fast as I can, using the logic that a 6 rate of return is way better than I could ever hope to get in a savings account. I have about an 800 cushion before I start feeling uncomfortable with the number I see in my bank account. Im also maxing out my 401k contributions and started using Mint a few months ago to set up a budget.I do not have any credit cards, but do have good credit not sure of the exact number, but all of my debts are in good standing and have been for the last 2 years. Im also probably irrationally leery of credit cards because both of my parents have had major issues with credit card debt and Im not confident in my ability to handle this particular bag of snakes.Basically, at this point, my income is mostly accounted for in dealing with long-term finances and I am socking away only a relatively small percentage for purchases like this. I have enough saved up that I could make the purchase right now, but Im considering my options. Here they are as I see them:1. purchase straight-out. Cut a little close for comfort into safety cushion, but it should be relatively ok to build back up2. Get a 0 APR credit card and spread the payments out over the course of a year or so 100 a month, very easy to stomach3. Get a rewards credit card and pay off the balance as soon as its due an airline card? Or maybe something with a good cash back rate? Honestly I have no idea how to judge a good deal4. a personal loan? Or something else that I dont know about?5. Wait it out. My fiance feels conflicted about getting the nice ring since were both young and are still building up our capital, and this expense seems like it would be better put towards our wedding savings or grad school savings each coming up in a few years. On the other hand, she would really love to have a beautiful engagement ring, and I would love to be able to give her one, and this one isnt that expensive, considering.So what do you think, folks?EDIT: formatting  <response>: As someone whose relationship crumbed because of money and several other reasons wait it out. He bought my ring, and I guess he didnt think about other expenses. Because it was nothing but I wish I could help chip in for groceries, but I bought that ring. Ill be late with my half of the rent because I bought that ring. If you buy it never ever mention what you could buy if you hadnt bought the ring. I know that sounds common sense... But god is it a huge annoyance and turn off. 