I'm thinkin' when you propose, just tell her you wanted Mom to be there so "I'm proposing with her ring". Afterwards, just tell her you want her to have one of her own and go shopping. If she was to bring up using Moms ring, then talk it out. As in, prenup just doesn't feel right, etc. All out in the open and agreed upon. Good luck and congrats!
You can't go wrong here. You get to surprise her and then let her pick out exactly what she wants.
Your opinion is the only one that matters but if there's a concern about the ring buy her a cheap band with a small stone (doesnt have to be real or expensive) $100. then later when finances allow buy her something else if thats what y'all decide to do. then you can also get her the exact style, cut, metal etc she wants. and tell her that in the beginning. My wifes ring wasnt cheap (cost more then the truck i had at the time we got together) but were at the point we can upgrade to something even better after being married 5 yrs and my wife doesnt want a bigger ring when i offered to do it. she said she got engaged/married with that ring and shes keeping that ring to wear every day....
point is. some girls dont wanna change after you give them somehtin you may not get your moms ring back if you give it to her
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