I have the money now to pay for the ring right now, but I'd rather just pay the ring off monthly so I can hold onto the money in my account now so I don't drain a lot of my savings.

I also get a yearly bonus at the end of the year that can pay for the ring outright. I'm not relying on that to pay this, but it will certainly allow me to make the entire payment immediately when I receive it (with quite a bit of the bonus left over).

I'm trying to purchase the ring now because we're going on vacation where I'd like to propose and she's not expecting it to happen right now.

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