…I’m already hearing the haters in the comment section for this post…
I have a hard time spending money on myself. Debt or not I just have a hard time spending money I earn, on myself. I rarely buy myself clothes outside of required work stuff. I buy most of my makeup at a drugstores and usually ask for very practical gifts (I’ve been known to ask for a mop as a gift). Needless to say my personal expenses are very low. Though it’s not something I monitor as close as some PF bloggers, if I had to guess I would say I might have spent a total of $200 on myself in all of 2015.
Things are changing though. Come March I will be spending more, a lot more. I’ve started with an orthodontist and will begin Invisalign orthodontic treatment in the coming weeks. I’ve already been scanned and now await the aligners to come in. Invisalign isn’t cheap. No orthodontic treatment is, especially with no insurance. There’s good reason why I’ve decided to start now and not when all our debt is paid off as I originally planned though.
Ortho treatment is something I’ve always wanted but not something my mom could afford when I was a child. I knew if I wanted it I would have to wait until I was working full-time and pay my own way. I do work now and also happens to be in the dental industry, another huge reason why I want it. I’m a teeth person and while straight teeth does not necessarily mean healthier teeth, it is something I want even more given I work in an industry of near perfect-teeth individuals. Truthfully this is something I would really want regardless of where I work but trust me there is some unsaid scrutiny felt in my line of employment.
So why now? I met with a local orthodontist who we send a lot of referrals to. In a city with a lot of competition we send almost all of our cases to his office. He’s a good, genuine, guy who our regular patients praise, so I met with him. Long story short, given that we do so much business with his office, and if I’m being honest, given that I’m a walking advertisement for his professional work, he’s giving me a discount. A very steep discount. A discount I will never get again, especially with Invisalign.
I’m in Canada, my scans are done here and the retainers are made in a lab in California. The current exchange rate is not helping things for Invisalign patients so not only is he giving me a discount, he’s discounting the fee before current exchange rate. I can’t risk him taking early(ish) retirement and me missing out on this opportunity because it won’t happen again.
He’s allowing me to make monthly payments at 0% interest for two years (if I need that long). The payment is totally manageable and won’t affect our current goals which is important to me, because even with it being an amazing deal, if we couldn’t make it work while working on our bigger, more important goals, I wouldn’t be doing it.