How do you cope?!

CAFCGirl

Hi All

As a fairly long term member I feel a bit stupid for getting worked up over this!?

But how on earth does anyone ram it into their DH's/OH's head that you cant afford things in one offs, you need to save and not just opt for payment plans left right and centre!?:mad:

I had thought i had worked pretty well on my dear sweet husband but he's got this idea in his head and wont shut up about it and I dont see it as a necessary expense at all yet he's gone and got himself appointments to discuss it and everything!:eek:

Feel like I'm fighting a losing battle!

Sorry rant over, hope everyone is having a nice weekend xx:rotfl:

urg123

What a 'mare! While you are trying to manage things and not get further into debt!

Maybe he should go for the appointments as long as he doesn't sign. Then get him to come back and show him how entering such an agreement would affect your SOA and your debt-free journey.

Just an idea - I'm not sure it helps you but I do empathise with the frustration.

let us know what happens.

URG

Soubrette

Ask him how much it costs including interest? Sometimes it can be as much as 40% more over the course of the loan (even more with yes car credit :eek: ).

The trouble with the 0% deals is that a significant number of people on those deals do not repay them and go onto pay a lot of interest - everyone intends to repay them but then life happens. Unfortunately I don't know how you would persuade him that he might be on of these people as obviously everyone thinks they will repay at the beginning.

Good luck

Sou

CAFCGirl

Hi All

Thanks for your advice.
Unfortunately he's convinced he'll get a 0% deal. Basically he wants to do get laser eye surgery in order to apply for his dream job.
Now I dont wanna stand in the way of that at all, but i'd rather we save the cash, rather than increase the debt, or at least do it half and half!

Plus he has a habit of being overloaded with information and is likely to sign up to the deal they offer him, thinking theyre giving him the world.
Unfortunately I cant go with him as I have a work meeting which I cant get out of!

Eveen telling him how much it affects what money we've got each month etc he seems to think its do-able and then argues that once he's had it done and he gets the new job, earning quite a bit more then we can overpay then!

ARGGGHHH!
Its just doing my head in that he's so gung ho with these things and we havent even sat down and talked about it properly, he mentionned it as an idea and I said yeah maybe after christmas when we've got more paid off etc...
god i could cry right now!

Burlesque_Babe

get him to read up on what could go wrong

http://www.medic8.com/laser-eye-surgery/complications.htm

particularly

Undercorrection/Overcorrection: It is not possible to predict perfectly how your eye will respond to laser surgery. As a result, you may still need corrective lenses after the procedure to obtain good vision. In some cases, a second procedure can be done to improve the result

so he might STILL need lenses or glasses.

probably nothing would go wrong but it might make him stop and think for a little while longer and give you that little 'edge' into making him listen to you about the cost rather than rushing in.

I've been looking into laser eye surgery for years. I can only have the implanted lenses as my sight is so poor and that is around £1000 per eye. I was only looking at Optimax this week (again!) and they offer 0% for a couple of years if I remember and they also guarantee to offer credit to anyone with a current account - but I bet that isn't at 0%

What keeps putting me off doing it (other than the cost) is the fact that although I'll have perfect eyesight for dayto day, implanting lenses fixes it and makes the person slightly long sighted - so glasses are needed for driving, computer work etc and I think - what's the point - might as well stick to contacts and bumping into stuff!

Jenna

Oh poor you, it is rubbish when they get some crazy idea into their heads and then all of a sudden that's all they can focus on isn't it?! My OH wants to go to Octoberfest and I do think it would be fun to go to Munich, of course I do, but I can't justify it against all the other bills right now.

And also he has resigned (with my full support I will add) and is now looking for some contract work ... which admittedly does pay well, but only if/when he can get it. Surely we need to tighten our belts now more than ever?!

I dunno I mean I really love him but sometimes he just drives me crazy...! And I'm looking now at nice (but inexpensive) things I can do for people for Xmas e.g. making them a pair of earrings or something like that, yet I can't talk to him about Xmas, because "only his Mum saves for Xmas" and "only his Mum starts planning for Xmas this early" etc etc. Grrrr!!

And yet, over the time I've known him, he's gone from never paying all of his bills in any given month (to be fair, mostly due to runaway bank charges snowballing every month) to always paying all his bills each month - though he is still in "min payment only" land. I can but hope, because aside from money we really don't argue about things and he's a lovely bloke!

I presume as you're married you have completely joint finances? And how involved / motivated is he with the budget, paying off debt etc? Let me know and I will try and give some ideas based on that xx

pepe2008

Whats the job? Modelling!!??!!

Since when has not wearing glasses made a *%$" of difference in getting a good job! Get real.

Well thats what I would say to him, but to you I say good luck on sorting it. I used to be just as bloody-minded about stuff 'I could afford' thats why I'm paying £400 per month to CCCS toclear £60,000 of debt! What does this 'dream job pay?....

POSSETTE

When you next serve him his dinner.....do a really cheap option with basic cheap ingredients that doesnt look attractive....when he moans, tell him, this is how that eye op will affect our budget so get used to it if you want it doing!!!;) short sharp shock treatment!!!:rotfl:

CAFCGirl

His dream job is to join the fire service which will pay 25k as a trainee, and increase with service. Which you cant do if you wear glasses or contacts
I'm all for him doing it, just wish he would stop and think and talk before getting all gung ho about it and booking appointments.

Maybe its a control thing but I just dont want him to come home with an appointment for the procedure and a bill for £1k!

CAFCGirl

And yes we are married but the debts are ones we accrued before we got together, so to get them paid off quicker we were pooling our spare money to make overpayments to cut down on interest etc, which was all going really well.

I mean admittedly we wont be on the bread line if he does this but I'd rather him be all gung ho about paying off a credit card and then we talk about it again......
But his spontaneous nature is one of the things that attracted me to him in the first place... so I cant complain too much!

elsien

I looked into laser eye surgery a while back. They do really press you to have treatment on the same day as the consultation, so I would advise that you are both ready for that and don't sign on the dotted line there and then!
Is he sure the fire service will still accept him after laser eye surgery, as I'm sure I've read somewhere that some jobs won't accept you if you've had it done. Can't remember what they are though, which isn't much help to you.

If he does go to the appt, I think he should tell the consultant what job he wants to do - I was advised against the quicker more painfree option because of the risk of being hit in the eye, and permanent damage being caused. (Not much help to your original question, but might make OH think a bit first.)

Edit - have a look at this for him - says you might need to wait 2 years after laser eye surgery to apply to the fire service.
http://www.advancevisioncare.co.uk/emergency-services.asp