Shopping for an engagement sparkler? Ready to invest in a wedding or anniversary band? There's a surprising array of choices out there. And not all of them require refinancing your house — or forgoing an actual wedding — in order to pay the bill.

Start with BlueNile.com, the largest online retailer of certified diamonds. Start by downloading and printing the Ring Sizer PDF. Simply place a ring that fits your wedding finger on one of the circles to find your size. You can also read tips about selecting an engagement ring. Even Build Your Own Ring by simply choosing a diamond, selecting a setting and letting Blue Nile put it all together for you and ship it your way. Your 3% rebate from ConsumerClub.com will add up fast with diamonds in the shopping cart.

The selections at Dallas-based Ylang23.com mix diamonds and other precious stones in completely unexpected designs. Though most rings on this site aren't intended as engagement or wedding bands, they're all incredible, unique choices. From the Cathy Waterman Laurel Leaf Band in 22 Karat Gold to the delicate Tiny Floral Band made of platinum and diamonds, you'll find all sorts of unexpected rings that break the mold.

Find more unique ideas in the Colored Diamond Collection and the Belle of the Ball Collection on Ice.com. The 1/2 Carat Red and White Diamond 14K White Gold Ring is divine — and it's less than $500. The 1 3/4 Carat 3-Stone Tanzanite and 1/8 Carat Diamond 14K White Gold Ring is breathtaking — and less than $1,000. And these are just two tiny examples of the luxurious jewelry to be found on Ice.com, in addition to a hefty 5% rebate from ConsumerClub.com. The gift boxes are free too. Lucky you.