<prompt> Human: Not sure if this is the appropriate sub for this, I couldnt think where else to post my question.. The ring is 6K, I have 3K in my savings.. Thinking about financing. I can finance the ring from the jeweler for around 240 a month first 12 months interest free. The problem I have with that is 240 a month is going to be tight to squeeze at the moment as I have other payments.Will a personal loan from a credit union be wiser? I understand there will be interest, but can I get smaller payments in the long runShould I use some of my savings towards the cost of the ring? What are other ways I can go about this, without going for a cheaper ring? EDITThis is some great advice and I thank you. I should have included that my GF and I both choose this ring together. Yes, she already knows what she is getting. I think about it now and I guess it was a horrible idea on my part. I lacked the confidence of picking a ring on my own for her. At this point I would feel HORRIBLE in telling her the ring is just too expensive...I know she would say I understand and to do whats best financially but, deep down I think she would feel let down. Im fucked..  <response>: Buy a ring for 1500 instead. Financing it because you want to spend too much is a terrible idea piled on top of a bad idea. 