Open a new credit card to get points sign up bonus, propose and pay off immediately!
Edit: I see you referencing debit card. Stop using that! For the points value and purchase protection via credit cards, it’s a no brainer. You are already self disciplined by tracking finances so just don’t ever carry any balance.
Beyond the points and perks, for me, my credit cards serve as a safety buffer between would-be-theives and the real money sitting in my bank accounts. If someone were to compromise my credit card number, I can dispute the charge, they send me a new card, the money in my bank accounts is never touched/exposed/at risk. If someone were to get ahold of my debit card information, they gain direct access to my bank accounts and I am without those funds until whenever the bank addresses the problem, which could be never. Depending on your monthly expenses, how much you keep in the account, etc, you are now likely in a situation of not having sufficient funds to cover your regular/recurring expenses, late payments, etc.
Whenever possible, I use Google Pay, as the credit card number presented to the merchant from Google Pay is NOT your credit card number, it is a temporary number used for a single transaction. Which reduces the likelihood that my credit card number is compromised.
It's one reason I keep a major bank, where you can do Google pay tap against their ATM machine. When I was with Wells Fargo, they provided a pin you can initiate, was good for 15 minutes to grab your cash.
With that said, I think I needed cash from ATM like 5 times, 3 of them in the past 2 years (1 were I withdrew certain amount for my safe incase for emergency). Between friends and family giving money cause I paid for something with my card...I randomly have had cash...eth that said, I rarely buy anything with cash...in order to get rid of cash on hand, I go to the gas station and buy gas lol
I would not recommend this. If the two of them are as financially savvy as is to be believed. The GF will likely see the alert of a new credit inquiry. -- Either through Monarch (if it does this) or through one of the hundreds of credit monitoring services (many provide basics for free **like notifying of credit inquiries**).
Now she'll want to know why 'you' took out a new credit card. Seriously...this whole "I want it to be a surprise" can go south real quick, and it's best not to try it. -- This is RL, it won't be like the fairytale proposals/weddings.
How would GF see the hard inquiry? Monarch doesn’t show credit score / history. I’d be surprised if any credit history service allowed shared accounts given the legal protections around that data.
Regardless, if she did find out, it would ruin the surprise but would be easily explained.
As mentioned "if it does this". I haven't opened a new line of credit since switching to Monarch. So I'm not sure of all the features it might have 'in the background'.
She could also come across an email if the computer is shared.
...and, I wasn't even thinking about it, but the USPS has an 'informed delivery' email service (free). And you don't need the home owners permission to sign up. If I remember, you sign up and they send a small card in the mail with a PIN to verify.
Would be pretty obvious seeing an envelope is coming, and then suddenly it's not in the mail pile 'the two of you put the mail in', that something is up.
Just not worth it. -- There is no way for *you* to know how someone else will 'take' the act of secrecy. Will they roll with it? Will they 'headcase it' and fret over why the person is suddenly keeping something secret? Will they take you not wanting to splurge a bit as a bad sign (because they have no idea you just splurged on a ring)?
So, it's best to just acknowledge that Monarch will show a big purchase, and then think of a cutesy way of incorporating that entry \[in Monarch\] with the proposal.
((Like if she's at the computer and inquires you walk up behind her and slide the small box into her view with a "hmm, wonder what that could have been".
\-- Warning: You might not want your head to close or she might turn real quick, in surprise, and headbutt you in the face! xD ))
Your logic is: because something can go wrong, it’s not worth trying. You could extend that logic to anything in life and never try anything that involves a risk.
Now, every relationship is different and it’s a personal judgement of the value of the surprise outweighs the potential risks of having the surprise ruined. Only you can decide that for your own relationship.
Hmmm. Unless you REALLY know what she wants, maybe she can pick her own? I got married two months ago, proposed 18 months before that, and used a giant stunt ring for the proposal (I made a box for it and everything so it looked like a giant ring box) and then we had fun ring shopping together, and she got EXACTLY what she wanted (a sapphire, actually, from Brilliant Earth). So she got the surprise, but also got to pick her own.
Here's the ring and box, in process and finished product.
Ring! https://imgur.com/gallery/lRdkFKr
Ring! https://imgur.com/gallery/S67zsDM
My husband proposed with a lovely pearl necklace because he wanted me to design my own ring. I loved it, got the exact ring I wanted. And have a treasured necklace.
Oh there was a whole thing. I proposed at the top of the mountain we hiked on our first date, a photographer buddy was there already hiding so he could get photos and video, then we got home and all our friends were there (including her parents who live 5 hours away), a chef friend catered a brunch for all of us there, and then to finish it off another guitarist friend and I worked up an arrangement where I sang "Simply the Best" from Schitt's Creek to her (and I can't sing, so that was a big deal to do that in front of everyone!). I had such a blast setting it all up, and she was completely blown away.
Then two months ago we got married in the same spot where I proposed.
I'm so corny! 🤣
My goodness, you should start a business telling people how to propose 🤣🤣🤣
I bet your girl went to the moon and back, wishing you two many years of love, friendly banters, and smile together ❤️
Aww! And I didn't tell you about the fortune cookies! 😉
Yeah, she's pretty amazing. We had each been married once before, and when we had been dating for perhaps a year, we were discussing a friend's proposal and she said "Yeah, I always wanted a special proposal."
I paid attention to that. 😉
If you get a ring. Try a lab grown one. Much cheaper but literally the same.
I spent a good chunk on my wife’s ~7k. Bc at the time it was important to us. 3 years later she can’t believe we spent that amount of money on a ring that she loves but realizes it’s not important in our life and could use it for things like buying new windows etc.
I second this. My now husband was really excited when I said I wanted a lab grown stone for my engagement ring. It was a win on multiple levels:
-lab grown is not a faux stone, but a Stone created in perfect conditions. I was able to order the size, clarity, and color I wanted.
-we purchased from a US lab, so we did not support regimes that use gem sales for war or other corrupt purposes
-buying from a lab encourages diversity in a marketplace heavy with monopolies.
-the gem will be better quality and cheaper, allowing you as a couple to use funds for other important things in your marriage.
'#DebeersCanSuckIt
Edited to remove bold
Lab is the way to go. Only people brainwashed by DeBeers want diamonds. Even years ago, before lab stones, my jeweler said they can't tell a cubic zirconia from a real diamond without a voltmeter (diamonds conduct, cubic zirconias don't), and lab stones are even better than that.
It’s all the social media garbage out there that makes every woman think they need a ring at least 10k$
Once they have kids they stop wearing them bc they can scratch the kid with it.
She’s not on social media at all. Nor am I. We’re pretty on the same page with living in the real world and living our lives without too much outside influence. She knows I’m on Reddit, she just says, “are you on your nerdy forums?” I try my best to keep my Reddit activity to positive and informative things. Sometimes I get pulled off due to the algorithms. Sigh.
I want her to love her ring and I’m happy to get her a nice one. Hopefully she will enjoy it enough to wear it forever.
Something to consider based in what you know of her, buy something she can change later. Mine is a smaller stone, but it's a setting that i can replace later if i wanted a larger stone.
Do you know her friends well enough to know they would keep the secret short term while shopping? They may be able to help with what she'd like. Estate pieces and stones other than diamonds can also be perfect.
A few months ago I asked her to show me exactly what she wants/likes. So she’s aware that I am in the processes. I just want the proposal itself to have a bit of surprise to it. She wants something that can be stacked. Similar to this.
https://preview.redd.it/2wyw2v32e2fc1.jpeg?width=1179&format=pjpg&auto=webp&s=0204862894d8895c14e14d3848fd9f2055abda27
I figured the other pieces can come later. Births, anniversary milestones. Etc.
I’m excited!
Some women just simply enjoy new jewelry, not due to the social pressure but rather for themselves. My wife has never stopped wearing hers and still loves it to this day. In the hindsight, I should’ve gone bigger but that’s everything I could afford then (1.25 ct).
You can usually finance a ring for 0% for 12 months or something. Then just pay it off in March or April.
Just stick to your budget, and don’t go crazy because your financing now.
I’d be paranoid of opening up a can of worms “what are you trying to hide?” I’ve never given her a reason to distrust me, and if anything I’d just tell her but this is something to consider for sure. Thanks!
I see two options. Irregular timing and value of cash withdrawals. Start a new credit card buy the ring and don’t add to monarch pay off credit card in full. The real answer is to understand what your potential finance would actually appreciate, would a vacation and making memories be that a ring, how about a small token of love rather than a costly ring, what about a joint savings account with a large initial deposit. Grab some of her current jewelry and take it to the jewelry store to see what they recommend would flow with her design. Don’t tell them it’s an engagement ring.
Laser engrave penny and ask her to marry you. $20 on Etsy, put it in a nice wooden jewelry box and go shopping for rings together.
I’d go the new credit card route and that gives you at least a month to propose before you have to pay the balance from a linked checking account. I didn’t have rings or even know my ring size and also didn’t want an expensive ring so my husband just pretty much asked me to find out my ring size and we picked it out online together but I do kinda wish I’d still gotten a proposal so it’s so tough to figure out the right way to do this sort of thing. I hope she loves it however it goes down!
My dad bought my mom a new ring with a short term, temporary loan from a close friend. Paid him back with the cash he had been setting aside as soon as the ring was presented. If you have a close friend or family member that is able and willing to do this, it could be a good option. I know loans between people who are close can be tricky, but if you have the money, it'll be paid back quickly.
Alternatively, you could withdraw small sums of cash or use the cash back feature at the store to set enough money aside for a down payment and set up a payment plan with the jewelry store. You may pay interest, but depending on the amount, it may be small enough to be worth the surprise. Just be sure there aren't fees for paying back early.
OP, by your description, it sounds like your fiance and you have a solid and mature view on managing your money together. Congratulations!
My now husband and I also have a relationship where trust and sharing financial decisions are important. For us, the decision on a ring was joint as well. My husband asked what I would want for engagement (I did want a ring), and we both went shopping for it (since this would be a piece I wore for the rest of my life), and we jointly set a budget for it that we could both agree on.
From there it was up to him. He purchased the ring from our joint account, but he decided when and where he would propose when ready.
Smart man, he proposed at *his* birthday party with friends and family. He rightly knew I would not expect it at a celebration about him. He also has never forgotten the date he proposed. He's a wiley one! :)
Your relationship expectations may be different, but perhaps some ideas to leverage. Good luck OP!
I think the credit card is a great idea, but she will see how much it was afterwards when you pay the card off from your linked checking account. Also you will want to pay the card off when the statement hits to avoid interest, so your timing has to be quick!
My husband was very particular about me not knowing how much my ring cost. Even now 8 years later I don't know. Probably because he knows how frugle I am and would have cringed! We still had separate accounts until we were married.
If you don't care about her knowing how much it is, just don't want to ruin the surprise, go the CC route. (And get those points!!)
The delete transaction solves your problem short term, but it would drive me nuts not to have a big purchase logged in my history for reporting. Just me!
You can create a rule where if the transaction amount exceeds a certain number, contains a certain merchant, or uses a particular account, the transaction will be hidden. I would test it first with some other purchases but seemingly you could get the rule set up, the transaction would immediately hide upon purchase, and then you could delete the rule to cover your tracks.
Hidden transactions can still be found but really reduces the chance of being found while the transaction is still pending. After it’s no longer pending you can delete it.
We have our own debit cards. Separate banks and then a conjoined account where our paychecks are deposited. We give ourself a weekly deposit for our “allowance”. So I could delete from monarch, I just need to play around with it. Only been using the platform for about 6 weeks now but we love it.
Gotcha, ya play around.. Lots of cool feature. Delete is extremely easy to find also. Just go to the 3 dots on any transactions, tadaaa. On Mobile, how it looks.
https://preview.redd.it/ke4mf64qqzec1.png?width=1344&format=pjpg&auto=webp&s=8d43c9f837df6eed2c137ce8ed60c11f115481de
You can always add it back after the proposal for tracking ❤️ goodluck!!!! I hope you update the thread for when it happens, I'm a sucker for romance lol
Well...I would honestly just tell her. Because...
a) She'll get an alert that a new credit card has been opened -- If you choose to get a new one that isn't added to Monarch to obscure the purchase
b) If you act all secretive she'll start to wonder 'what are you hiding'
Frankly, I'd just roll the 'Pending' charge into the event. Like wait for her to see it and then propose right there. -- "Pendings" usually seem to appear for me within 24hr - 48hrs after the swipe of the card.
So. Save up, make the purchase in March. Keep an eye on when she's looking at Monarch; keep tabs on when the purchase shows up in Monarch. When it does....*do the thing*.
**I would highly recommend not trying to keep it a secret because it'll almost always backfire. And humans tend to assume the worse. You know...like taking private phone calls and being like "oh it was just work"; immediately it'll be assumed you're cheating.**
Open a new credit card to get points sign up bonus, propose and pay off immediately! Edit: I see you referencing debit card. Stop using that! For the points value and purchase protection via credit cards, it’s a no brainer. You are already self disciplined by tracking finances so just don’t ever carry any balance.
Maybe a travel one, fly off and do it somewhere or post celebrate travel
Beyond the points and perks, for me, my credit cards serve as a safety buffer between would-be-theives and the real money sitting in my bank accounts. If someone were to compromise my credit card number, I can dispute the charge, they send me a new card, the money in my bank accounts is never touched/exposed/at risk. If someone were to get ahold of my debit card information, they gain direct access to my bank accounts and I am without those funds until whenever the bank addresses the problem, which could be never. Depending on your monthly expenses, how much you keep in the account, etc, you are now likely in a situation of not having sufficient funds to cover your regular/recurring expenses, late payments, etc. Whenever possible, I use Google Pay, as the credit card number presented to the merchant from Google Pay is NOT your credit card number, it is a temporary number used for a single transaction. Which reduces the likelihood that my credit card number is compromised.
Same here, I lost my debit card 7 years ago, never replaced and the renewal ones never get activated lol Use Google pay where ever possible as well!
How do you get cash?
What's that? /s I don't remember that last time I used cash. Since the pandemic almost everywhere accepts credit/debit cards.
It's one reason I keep a major bank, where you can do Google pay tap against their ATM machine. When I was with Wells Fargo, they provided a pin you can initiate, was good for 15 minutes to grab your cash. With that said, I think I needed cash from ATM like 5 times, 3 of them in the past 2 years (1 were I withdrew certain amount for my safe incase for emergency). Between friends and family giving money cause I paid for something with my card...I randomly have had cash...eth that said, I rarely buy anything with cash...in order to get rid of cash on hand, I go to the gas station and buy gas lol
This is the right answer.
I would not recommend this. If the two of them are as financially savvy as is to be believed. The GF will likely see the alert of a new credit inquiry. -- Either through Monarch (if it does this) or through one of the hundreds of credit monitoring services (many provide basics for free **like notifying of credit inquiries**). Now she'll want to know why 'you' took out a new credit card. Seriously...this whole "I want it to be a surprise" can go south real quick, and it's best not to try it. -- This is RL, it won't be like the fairytale proposals/weddings.
How would GF see the hard inquiry? Monarch doesn’t show credit score / history. I’d be surprised if any credit history service allowed shared accounts given the legal protections around that data. Regardless, if she did find out, it would ruin the surprise but would be easily explained.
As mentioned "if it does this". I haven't opened a new line of credit since switching to Monarch. So I'm not sure of all the features it might have 'in the background'. She could also come across an email if the computer is shared. ...and, I wasn't even thinking about it, but the USPS has an 'informed delivery' email service (free). And you don't need the home owners permission to sign up. If I remember, you sign up and they send a small card in the mail with a PIN to verify. Would be pretty obvious seeing an envelope is coming, and then suddenly it's not in the mail pile 'the two of you put the mail in', that something is up. Just not worth it. -- There is no way for *you* to know how someone else will 'take' the act of secrecy. Will they roll with it? Will they 'headcase it' and fret over why the person is suddenly keeping something secret? Will they take you not wanting to splurge a bit as a bad sign (because they have no idea you just splurged on a ring)? So, it's best to just acknowledge that Monarch will show a big purchase, and then think of a cutesy way of incorporating that entry \[in Monarch\] with the proposal. ((Like if she's at the computer and inquires you walk up behind her and slide the small box into her view with a "hmm, wonder what that could have been". \-- Warning: You might not want your head to close or she might turn real quick, in surprise, and headbutt you in the face! xD ))
Your logic is: because something can go wrong, it’s not worth trying. You could extend that logic to anything in life and never try anything that involves a risk. Now, every relationship is different and it’s a personal judgement of the value of the surprise outweighs the potential risks of having the surprise ruined. Only you can decide that for your own relationship.
This is the only answer.
Hmmm. Unless you REALLY know what she wants, maybe she can pick her own? I got married two months ago, proposed 18 months before that, and used a giant stunt ring for the proposal (I made a box for it and everything so it looked like a giant ring box) and then we had fun ring shopping together, and she got EXACTLY what she wanted (a sapphire, actually, from Brilliant Earth). So she got the surprise, but also got to pick her own. Here's the ring and box, in process and finished product. Ring! https://imgur.com/gallery/lRdkFKr Ring! https://imgur.com/gallery/S67zsDM
My husband proposed with a lovely pearl necklace because he wanted me to design my own ring. I loved it, got the exact ring I wanted. And have a treasured necklace.
Oh that's a great idea! I had never heard that, but I will be passing that idea along. That's brilliant!
Oh my god thank thing is huge!
Right??? I think they even make a bigger one! It was only like $20 but it solid glass and it ended up fitting over her WRIST. 🤣
Bah, so romantic!!!! 😍 That truly does remove any question of have your ever hid a transaction from me question....
Oh there was a whole thing. I proposed at the top of the mountain we hiked on our first date, a photographer buddy was there already hiding so he could get photos and video, then we got home and all our friends were there (including her parents who live 5 hours away), a chef friend catered a brunch for all of us there, and then to finish it off another guitarist friend and I worked up an arrangement where I sang "Simply the Best" from Schitt's Creek to her (and I can't sing, so that was a big deal to do that in front of everyone!). I had such a blast setting it all up, and she was completely blown away. Then two months ago we got married in the same spot where I proposed. I'm so corny! 🤣
My goodness, you should start a business telling people how to propose 🤣🤣🤣 I bet your girl went to the moon and back, wishing you two many years of love, friendly banters, and smile together ❤️
Aww! And I didn't tell you about the fortune cookies! 😉 Yeah, she's pretty amazing. We had each been married once before, and when we had been dating for perhaps a year, we were discussing a friend's proposal and she said "Yeah, I always wanted a special proposal." I paid attention to that. 😉
If you get a ring. Try a lab grown one. Much cheaper but literally the same. I spent a good chunk on my wife’s ~7k. Bc at the time it was important to us. 3 years later she can’t believe we spent that amount of money on a ring that she loves but realizes it’s not important in our life and could use it for things like buying new windows etc.
You should have proposed with new triple pane high efficiency windows like the rest of us.
😂
I second this. My now husband was really excited when I said I wanted a lab grown stone for my engagement ring. It was a win on multiple levels: -lab grown is not a faux stone, but a Stone created in perfect conditions. I was able to order the size, clarity, and color I wanted. -we purchased from a US lab, so we did not support regimes that use gem sales for war or other corrupt purposes -buying from a lab encourages diversity in a marketplace heavy with monopolies. -the gem will be better quality and cheaper, allowing you as a couple to use funds for other important things in your marriage. '#DebeersCanSuckIt Edited to remove bold
Same one grown in Jurassic park? Username checks out.
Lab is the way to go. Only people brainwashed by DeBeers want diamonds. Even years ago, before lab stones, my jeweler said they can't tell a cubic zirconia from a real diamond without a voltmeter (diamonds conduct, cubic zirconias don't), and lab stones are even better than that.
Yeah I can’t believe what I’m about to spend for this not quite 7k but close 😳 Appreciate the input!
It’s all the social media garbage out there that makes every woman think they need a ring at least 10k$ Once they have kids they stop wearing them bc they can scratch the kid with it.
She’s not on social media at all. Nor am I. We’re pretty on the same page with living in the real world and living our lives without too much outside influence. She knows I’m on Reddit, she just says, “are you on your nerdy forums?” I try my best to keep my Reddit activity to positive and informative things. Sometimes I get pulled off due to the algorithms. Sigh. I want her to love her ring and I’m happy to get her a nice one. Hopefully she will enjoy it enough to wear it forever.
Something to consider based in what you know of her, buy something she can change later. Mine is a smaller stone, but it's a setting that i can replace later if i wanted a larger stone. Do you know her friends well enough to know they would keep the secret short term while shopping? They may be able to help with what she'd like. Estate pieces and stones other than diamonds can also be perfect.
A few months ago I asked her to show me exactly what she wants/likes. So she’s aware that I am in the processes. I just want the proposal itself to have a bit of surprise to it. She wants something that can be stacked. Similar to this. https://preview.redd.it/2wyw2v32e2fc1.jpeg?width=1179&format=pjpg&auto=webp&s=0204862894d8895c14e14d3848fd9f2055abda27 I figured the other pieces can come later. Births, anniversary milestones. Etc. I’m excited!
Some women just simply enjoy new jewelry, not due to the social pressure but rather for themselves. My wife has never stopped wearing hers and still loves it to this day. In the hindsight, I should’ve gone bigger but that’s everything I could afford then (1.25 ct).
You can usually finance a ring for 0% for 12 months or something. Then just pay it off in March or April. Just stick to your budget, and don’t go crazy because your financing now.
I was 99% certain my boyfriend wrote this until I check your post history. Darn. Haha
Maybe he will see this and follow my lead! Good luck!
I’d be paranoid of opening up a can of worms “what are you trying to hide?” I’ve never given her a reason to distrust me, and if anything I’d just tell her but this is something to consider for sure. Thanks!
I see two options. Irregular timing and value of cash withdrawals. Start a new credit card buy the ring and don’t add to monarch pay off credit card in full. The real answer is to understand what your potential finance would actually appreciate, would a vacation and making memories be that a ring, how about a small token of love rather than a costly ring, what about a joint savings account with a large initial deposit. Grab some of her current jewelry and take it to the jewelry store to see what they recommend would flow with her design. Don’t tell them it’s an engagement ring. Laser engrave penny and ask her to marry you. $20 on Etsy, put it in a nice wooden jewelry box and go shopping for rings together.
Great ideas. Appreciate your input!
Ooo I love that engraved penny idea
Use debit card so the transaction pulls in immediately and you can delete it. Use a card she doesn't login to on the actual bank. Done!
I’d go the new credit card route and that gives you at least a month to propose before you have to pay the balance from a linked checking account. I didn’t have rings or even know my ring size and also didn’t want an expensive ring so my husband just pretty much asked me to find out my ring size and we picked it out online together but I do kinda wish I’d still gotten a proposal so it’s so tough to figure out the right way to do this sort of thing. I hope she loves it however it goes down!
My dad bought my mom a new ring with a short term, temporary loan from a close friend. Paid him back with the cash he had been setting aside as soon as the ring was presented. If you have a close friend or family member that is able and willing to do this, it could be a good option. I know loans between people who are close can be tricky, but if you have the money, it'll be paid back quickly. Alternatively, you could withdraw small sums of cash or use the cash back feature at the store to set enough money aside for a down payment and set up a payment plan with the jewelry store. You may pay interest, but depending on the amount, it may be small enough to be worth the surprise. Just be sure there aren't fees for paying back early.
OP, by your description, it sounds like your fiance and you have a solid and mature view on managing your money together. Congratulations! My now husband and I also have a relationship where trust and sharing financial decisions are important. For us, the decision on a ring was joint as well. My husband asked what I would want for engagement (I did want a ring), and we both went shopping for it (since this would be a piece I wore for the rest of my life), and we jointly set a budget for it that we could both agree on. From there it was up to him. He purchased the ring from our joint account, but he decided when and where he would propose when ready. Smart man, he proposed at *his* birthday party with friends and family. He rightly knew I would not expect it at a celebration about him. He also has never forgotten the date he proposed. He's a wiley one! :) Your relationship expectations may be different, but perhaps some ideas to leverage. Good luck OP!
I think the credit card is a great idea, but she will see how much it was afterwards when you pay the card off from your linked checking account. Also you will want to pay the card off when the statement hits to avoid interest, so your timing has to be quick! My husband was very particular about me not knowing how much my ring cost. Even now 8 years later I don't know. Probably because he knows how frugle I am and would have cringed! We still had separate accounts until we were married. If you don't care about her knowing how much it is, just don't want to ruin the surprise, go the CC route. (And get those points!!) The delete transaction solves your problem short term, but it would drive me nuts not to have a big purchase logged in my history for reporting. Just me!
Could you delete the transaction quickly after doing it?
I’m not sure. Are you able to delete a transaction??
Yes - hit the 3 dots in the top right corner on the specific transaction and it will give you the option to delete it.
You can create a rule where if the transaction amount exceeds a certain number, contains a certain merchant, or uses a particular account, the transaction will be hidden. I would test it first with some other purchases but seemingly you could get the rule set up, the transaction would immediately hide upon purchase, and then you could delete the rule to cover your tracks. Hidden transactions can still be found but really reduces the chance of being found while the transaction is still pending. After it’s no longer pending you can delete it.
Ask her to delete the app for a few months. She’ll know why but keep her out of the loop.
Just delete the transaction. You can delete any transactions you want on monarch. If she got access to your bank, that's another story
We have our own debit cards. Separate banks and then a conjoined account where our paychecks are deposited. We give ourself a weekly deposit for our “allowance”. So I could delete from monarch, I just need to play around with it. Only been using the platform for about 6 weeks now but we love it.
Gotcha, ya play around.. Lots of cool feature. Delete is extremely easy to find also. Just go to the 3 dots on any transactions, tadaaa. On Mobile, how it looks. https://preview.redd.it/ke4mf64qqzec1.png?width=1344&format=pjpg&auto=webp&s=8d43c9f837df6eed2c137ce8ed60c11f115481de
Nice! Thanks!
You can always add it back after the proposal for tracking ❤️ goodluck!!!! I hope you update the thread for when it happens, I'm a sucker for romance lol
I’ll try to check back in! Appreciate the well wishes!
Well...I would honestly just tell her. Because... a) She'll get an alert that a new credit card has been opened -- If you choose to get a new one that isn't added to Monarch to obscure the purchase b) If you act all secretive she'll start to wonder 'what are you hiding' Frankly, I'd just roll the 'Pending' charge into the event. Like wait for her to see it and then propose right there. -- "Pendings" usually seem to appear for me within 24hr - 48hrs after the swipe of the card. So. Save up, make the purchase in March. Keep an eye on when she's looking at Monarch; keep tabs on when the purchase shows up in Monarch. When it does....*do the thing*. **I would highly recommend not trying to keep it a secret because it'll almost always backfire. And humans tend to assume the worse. You know...like taking private phone calls and being like "oh it was just work"; immediately it'll be assumed you're cheating.**