<prompt> Human: Im looking at getting an engagement ring for my girlfriend, but Im still a bit short on money I have 1300 saved out of the 1850 the ring costs. The store Im buying from offers a financing plan through Wells Fargo but Im not sure how negatively that will affect my credit if at all.I know for a fact Ill be able to pay it off no problem; Im just working on a part-time student salary of like 100week and Id just rather buy it and propose sooner rather than waiting a few more months. edit: I feel like its worth noting that our plan was to use the engagement ring as the wedding ring, since neither of us really feel like its worth buying an engagement ring that shell really only wear consistently for 6-8 months  <response>: If you cant afford the ring you cant afford to get married 