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Go under-size
If you're able to find an "under-size" diamond, which is a diamond that weighs just under a cut-off weight (for example, 0.95 carats instead of 1 carat; 0.45 carats instead of half a carat), you can save substantial sums of money for a diamond that looks, to the naked eye, essentially the same as a diamond that hits the larger cut-off weight.
Go for clarity and color that looks clean to the naked eye
When it comes to white (non-fancy) diamonds, most consumers can't tell the difference between diamonds on the very high end of the clarity scale (such as VVS1) and those lower on the scale, which contain very slight or slight inclusions (VS1 or SI1). In the case of many SI1 diamonds, for example, the flaws are only visible under 10X magnification, although the price difference between a VVS1 and an SI1 diamond is considerable.
The same advice applies to a diamond's Color Grade. A "D" or "F" diamond (colorless) can easily cost double the price of an "I" (near-colorless) diamond of the same cut, although most people can't tell the difference between colorless and near-colorless diamonds. Consider buying a near-colorless diamond to get the most from your budget.
Good polish is good enough
When it comes to a diamond's polish, a "good" grade is good enough in most cases. Most consumers can't tell the difference between a diamond with "good" and the more-expensive "excellent" polish
Choose white gold instead of platinum
Although platinum is a preferred ring metal, it is also the most expensive of the precious metals. White gold, on the other hand, is an excellent and affordable alternative to platinum and a great choice for the budget-conscious shopper. White gold has a stunning appearance and a white/gray patina that resembles platinum. White gold is also very durable, has a high scratch resistance factor, and does an excellent job of drawing attention to a diamond's brilliance.
Buy online
When purchasing an engagement ring, you can do so in a brick-and-mortar store, or you can purchase your ring online. Some people prefer to interact with a salesperson face-to-face, which you can do when shopping in a store. Making your purchase through an online retailer, though, has its own benefits, including saving what could be quite a bit of money and having a pressure-free purchase experience:
Online retailers, such as James Allen, can save you 30–50 percent off the prices of traditional retailers.
The tremendous selection at online retailers can help you find exactly what you want and stay within your budget.
Buying online allows you to be in the driver's seat — you can take your time and educate yourself about your diamond-buying options; you can avoid being persuaded by commissioned sales associates and instead can feel confident that your decision is the right one for you.
Buying online is extremely convenient — some online retailers offer customer service 24/7 so you can shop wherever you want, whenever you want.
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