Seriously, though, how much you spend on an engagement ring is a very personal decision. Many couples these days are buying the engagement ring together, and technically, you'll both be paying for it anyway once you sign the marriage certificate, unless the groom paid for the ring upfront (which many are not able to do).

What price an expensive engagement ring? This 18k yellow gold 3-stone engagement ring is valued at $25,000 and available at mondera.com

Do you need an expensive engagement ring? Maybe, or maybe not. Naturally, one's financial situation will have something to do with it, but it may be worth your while to remember that a bigger ring does not mean he loves you any more.

However, if you have your heart set on a particular ring that happens to be expensive, certainly talk about it and the long-term effects the purchase of said ring may have on your future plans, such as buying a house, having a retirement plan, or taking a vacation. All seriousness aside, do you want to still be paying for your ring after your twentieth wedding anniversary?

If so, what are some things to keep in mind? Well, financing may be the first issue. If the ring isn't in your immediate budgeting plans, carefully consider various financing options and shop around. The jewelry store is not likely to have the best financing terms available, so also check with your bank and other lenders to see what types of loans you can obtain, the various rates, terms, and how long you'll be paying.

No, it's not very romantic, but money usually isn't unless you happen to have a whole bunch of it (and sometimes not even then, according to some tabloids).

Weigh the benefits versus the cost. Is it worth the cost? Naturally, if you'll be springing for an expensive engagement ring, make sure it's the quality that the jeweler claims. Do your homework, find out about guarantees, etc., etc. Yes, even your engagement ring should come with a money-back guarantee.

Many companies also offer a free replacement rock if it should happen to fall out. Again, shop around to find the best deal.

An expensive engagement ring may mean that you don't buy your dream car as soon as you'd prefer, but it also typically means that you have a ring you're really (really!) happy with, and this is something worth considering. After all, you'll be looking at this piece of jewelry every day for the rest of your life.

It's also an investment - an investment in your relationship and an investment in a family heirloom. This is the type of ring that you'll want to pass along to your children. No matter what the cost, your engagement ring is a symbol of who you are and your relationship with that special someone that you want to spend the rest of your life with.

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