To Spend £1345 on a Set of Earrings ?

[Moaning5]

My dad has just gifted me £2000 - how nice !

My parents have NEVER gifted me money in this way. He’s done something with his pension and given all of us (4) the same amount.

I have no real savings to speak of other than an emergency fund. I have no mortgage to put it towards. I have grown up children who are independent. I have no debt to clear.
AIBU to pay £1345 for a pair of gold hoop earrings with pear drops as worn by Princess Catherine which I have always loved ?
Or am I being ridiculous and it needs to be be spent more sensibly ? On what though ?

Those are good options.

Or go on Etsy. I doubt anyone can tell the difference.

Would you want them if you hadn’t of seen Kate Middleton wearing them?
personally I think that’s an insane amount to spend on a pair of earrings unless you have more money than you know what to do with.

Personally I am desperate for these earrings from Alex Monroe: https://www.alexmonroe.com/barley-two-way-crawler-earrings. If someone gave me £2000 to spend on one gift, I'd get them in a heartbeat.

£2000 is a new boiler so… I wouldn't personally
i would use £200 as a treat and save the rest

@EmpressOfTheThread , I got my expensive earrings home and because of the very secure back, when I took them off at night I had to really pull hard and the back jumped out of my hand. I was on my hands and knees in the bedroom looking for it, couldn’t find it but the jewellers have a life time butterfly replacement service and so I got a new one!

I have no real savings to speak of other than an emergency fund.

How much is the emergency fund?

If I had no real savings I'd not be pissing 1345 quid up the wall on a pair of earrings.
If I had a lot of savings, I still wouldn't buy them, but I could understand why someone else might want to.

Has he given it with the intention that you ‘treat yourself’? If he has, then I’d be tempted to buy them and put the remainder in a savings account. Otherwise, would building up some savings be more sensible given you have none to speak of?

Thank you for showing them. These are awful. No good jeweller would screw gold into a good pearl, so these pearls are not valuable at all. The clunky and ugly brackets are 'diamond-set', only you can't see the crumbs they try to pass for diamonds. And the amount of money is huge! For £1345 you can buy amazing well-made antique earrings made in the times when if a jeweller tried to screw gold into a pearl (they used glue or claws), he would have his arms ripped off by the Jewellers' Guild.

You deserve the earrings - you will be wearing them and thinking 'this is my dad's gift', it will be something special, but please please buy nice antique or vintage ones, something your dad would have bought when he was young, when they made quality jewellery.

P.S. My friend buys amazing jewellery (not cheap, antique or vintage) online, from Ebay USA. Yes, there is postage and insurance, and fees, but for that amount you can buy yourself amazing earrings, if you can't be bothered to go round antique shops or pawnshops.

With no real savings? Bonkers.

How old are you?
You do have savings.

I know once you start saving you become obsessed. I save loads now and have a few grands put away :D So happy!

My kids are small so I'd not spend this on earrings, but if they were grown up and I was mortgage-free I would. I'm buying myself something very nice for Christmas this year actually given I've got savings, which I'm very proud of, and so should you be.

If you're not going to put this into your savings then the earrings justified. They will bring you joy.

I had the chance to buy a specific item of clothing years ago and didn't :( and now I cannot get the item and I actually think about it often! Wish I had!

To me spending that on a phone or laptop when i can get either of those for around £200 is madness.

YABU on one count - those earrings are not £1300 earrings. Get some similar ones for <£300 or get really good ones for £1300.

idk if you are being unreasonable on the other count because no mortgage could mean own a large and expensive downsizeable home outright or it could mean sofa surfing. No real savings apart from emergency could mean anything from £100 with no assets or pension to £50k plus huge pension and £1000s in assets.

If you are near the £100 savings no pension mark then get yourself a nice piece of jewellery fir £250 and know that your dad has given you a big hug of security by topping up your emergency fund.

I have really expensive earrings (diamond studs) and I’ve worn them every day for the last 15 years so actually cost per use is pennies! If you love them buy them and wear them. I wouldn’t buy then put them aside for best.

I reckon if you took an image of the earrings to a jewelers in hatton garden or somewhere else they could make some identical ones up for a quarter of the price - don't waste your money because they may be marketed as the same as Kate's. reminds me of that Fast Show sketch 'I saw you coming'.

if they're insured, there's no problem.

ye - it is interesting. I dont know why on earth I denied myself thigns I really needed like academic books and a desktop computer for my PhD, never mind anyutihn that I might have wanted to celebrate the success in life I was having, like a nice handbag. even our house was not maintained and was depressing me. we had plenty of money.

I'd buy some inexpensive but nice quality "in the style of" earrings, and you'll find there's loads in the shops.
Save the £2k, open a new savings account, and add to it when you can. We all need a little cushion.

OP, I am looking at the Annoushka ones and the Tiffany South Sea Noble earrings. Save your £2000 and when you have enough, get
the Tiffany ones instead!

Might seem not much to you but £2000 is a lot of money if you have no savings. Is the difference between being able to cope with an emergency expenditure, such as needing new washing machine, instead of having to go into debt.

Get these lovely pearls instead and save some money.
Speakeasy Baroque Pearl Earrings

I thought it was more to do with a 25 yr old having a bit more time to top up her pension and 2k probably not making that much difference at that age. Whereas 2k in your 40s+ will have a bit more of an impact.

Happy to be corrected though, maybe it’s wrinkly earlobes?

I agree with a few other poster’s who are saying go for it. Personally I would buy myself something special that I wouldn't normally have bought for myself & put the rest into a savings account.

You need to be in a more financially secure situation in order to afford these earrings, you're not. Personally I would put that money on an ISA.

I bet if you looked around you could some nice antique ones for cheaper than that. They usually are nicer than modern ones as well.

I read a post on here recently about someone buying a ring with an inheritance from her nan, she wore the ring every day and thought of her nan every day which I thought really touching.

I think I'd buy the earrings if I really liked them and would wear regularly and save the other third.