Disagreement over orthodontic treatment

Jinx

I discussed this thread with my hubby as is a bit tight on occasions! He could see the OPs other halfs point of view if they are saving for a deposit but he said 4k is neither here nor there when it comes to buying a house and that a partners happiness is ultimately more important - especially when the OP has wanted this for years. My own perspective is she works for the cash, saves each month and is an adult in her own right and has wanted this for years. If it was me I would want hubby onside but would do it regardless....

Lance

I totally agree with your partners saving ideals, perhaps a bit tight myself, but he is going too far with the teeth issue. Get your teeth done and tell him in no uncertain terms you want to 'live' your life and still be sensible about saving. You actually need to have a serious word with him about your future and if you want to save / invest totally like it sounds he does.

piglet74

Your not... He is

Its your savings.. Spend it how you wish!

Most folk your age dream of being MF, with having some money left over at the end of the month for treats, never mind the ability to save £700 a month! You can replace the money for your dental treatment in 5months or so! Go for it.

arbroath_lass

I don't think people who love us can ever actually understand how our teeth and smile can affect us. Simply because they don't see it.

I was lucky, I got my teeth fixed at the local dental hospital. I remember being absolutely delighted with my new smile and showing it off a bit. I lost count of the people who said they had never noticed my wonky teeth.

In the end, though, it has made a huge difference to my confidence.

Get your teeth sorted. You'll feel fabulous! And your partner will benefit from that too.

SuziQ

I could never live with a mean partner- and that is how I am seeing your partner from your posts .

My ex had many faults, but when it came to me and the kids, if something would make us happy and he had the money- we had it. He would have been particularly supportive of something like this. The only 'cosmetic' procedure he would have been wary about would have been a breast enlargement as he thinks they are horrible- but even then, he would have supported me if I really wanted to go ahead ( luckily I have never wanted one!)

This is a reasonably priced proceedure which will make you feel more confident. The knock on from that might be greater future financial success- who knows?

My oldest boy has recently finished his orthodontic treatment and it has made a huge difference to him, especially his confidence ( even though I tried to dissuade him from it as I thought his teeth not too bad, and I didn't want him going through the removal of 4 teeth.) Both my oldest have beautiful smiles due to orthodontic treatment and my third will be starting in about 6 months- I say GO FOR IT!

ETA- I would go for the interest free payments and save alongside. Ow could he possibly complain,then?

Padstow

There is huge inequality in your finances. You have similar savings, but he has a house with no mortgage. Forget the Will as life turns on a sixpence!

My ex stood in front of my family at the gathering after my Dad's funeral, dispensing drinks, and said that I would be a wealthy woman if he died, due to insurance, he even said that if I died, he wouldn't gain a penny that was the way the insurance worked. Having divorced him, I've found out it was yet another of his narcissistic lies, as no insurance ever existed, so please do not rely on the promise of a Will.

Having inherited a sum from my darling dad's Will, I went straight to my solicitor to ensure he wouldn't get a penny if I died. He had no clue what I'd done, so you see how precarious money can be in partnerships, and I was married.
You have no protection whatsoever. He may have left his money to the donkey sanctuary for all you know, and God bless them, they deserve it.

You are well on your way to a deposit for your your own BTL, he is too, so why not have one each?

Your original question was re braces. After four years of financial misery, I'm seeking braces and other denistry too. I had perfect teeth, when beautiful teeth were not the norm. Age and lifestyle have taken its toll. :eek:

I say go for your braces, but also look after your own finances. You sound a bit too dependent on him re money advice, he started you on the right track, but now comes across as being your Guru.
You can build your own portfolio, youv'e started with the ISA now add a BTL if that's what you want or pension as others here have suggested or all. There is so much info on this site to make you an independent person of means. That of course alters in no way your emotional relationship, just your financials.

Any marriage coming up? Your finances intertwined with his. Please be very careful.