To think this is what the Credit Card is for?

[BitterSweetSound]

I have a really painful tooth, suspect I may need it removing as I've had problems with this one before.

We don't have £70-100 (band 2 treatment) lying around for me to have the treatment but do have a credit card with £300 limit spend on it for "emergencies". We can pay the minimum off on it each month if we cut back a bit and we'd be debt free again by Christmas.

DH thinks that this isn't what the credit card is for and I should wait what could be months until I can afford it - last time we needed to pay it off he had to stop smoking so we could afford it (we spend £10 a week on cigarettes for him!) so that would be the first thing I'd expect him to give up in order to do it. He's usually a great man and a good dad to our DD but he is very addicted to his cigarettes (and before anyone asks he never smokes in the house or garden, never in the car, and never when we're out with DD - if he needs one he has to make arrangements to have one away from DD without leaving us to do a family activity without him - basically I make it as difficult as possible for him to smoke but he still does)

So AIBU to think this is what the credit card is for? Or do I have to wait until I can afford it

He's a selfish dick. Not only is he willing to sit by while you are in pain so he can have his cigarettes but he has already stopped smoking in the past so you were able to pay off a previous debt, why the hell didn't he just stop then?

This isn't a treat. This is healthcare and is therefore the priority. He's going to have to suck it up and deal with it. Go and get the treatment done!

Up until the moan about your DH smoking, both my husband and I thought yes you should have the treatment.
However, most of your post seems to be ranting about him smoking. So which one is it? You want the treatment, you want him to quit smoking, or both?
I say get the treatment, husband thinks you should wait.

He pays for cigarettes when it would take the household 10 months to save up £100? His priorities are way way out of wack.

YANBU. If you don't have 70 quid to spare for an emergency then he is very selfish to continue smoking.

littlechina the op can moan about the smoking and the dental treatment in the same thread, there’s no limit. What a strange thing to say.

Presumably you've been saving the amount you'd be using to pay off the card since you paid it off last? So just dip into that and save all the interest costs

Just do it- it’s your health and important. I know it’s a lot of money but that’s why you have the card - for emergencies.

Of course it's a bloody emergency!

The smoking is a separate issue though. I do see how it's related in terms of cost but think you should treat it separately.

Littlechinagirl - they can't afford a £70 medical treatment she needs, they have no savings, yet he spends £520 a year on smoking. His smoking is a problem because they clearly can't afford it.

He's proved he can stop for months at a time, so it's an option.

I just can't imagine putting up with a partner who was that selfish.

Definitely try and pay off more than the minimum tho. Also, are you claiming childcare vouchers?

Yanbu

This is exactly what a credit card is for, an unexpected, unavoidable expense that can’t wait

Smoking when you as a household can’t afford necessary dental treatment is fucking selfish

If he can't smoke in house,garden or car, then where does he smoke?

He does not sound like a very nice man at all, has he never had tooth pain?

Tell him he can smoke or eat, his choice.

1. Your partner is a prick. End of.

2. Agree with PP - the cost of treatment is paid only at the end of the course of treatment, and all work done under the cost of a band is included in that band in a single course of treatment. I had five old fillings replaced on top of my crown treatment, as well as the initial consultation, but it all cost the same as if I had just had the crown done.

I went to the dentist for 9 weeks straight to get it all done, but it all cost the same under the top band.

Just get it sorted, OP. Toothache is hell and leaving it could lead to an abscess and loads more expense in the long run.

Your DH is a selfish fuckwit to suggest that you leave it. My DP would rather sell all his motorbikes than see me in pain. And to try and say you can't afford it when he wastes over £500 on cigarettes is beyond the pale.

I'm bordering on suggesting you LTB!

And when you've had it done, you can economise by giving him cheap baked beans on cheap toast for dinner for the next month. The savings would go a long way towards covering the cost of the treatment.

Exactly what it's for! You should definitely go for it- also dental health is connected with heart health and can lead to nasty systemic infections too.

Has your DP considered vaping?

There is nothing worse than tooth ache so go to dentist and take care of your health. Is the credit card on 0 percent interest ? I agree you don't need his permission to go to the dentist or doctor

Bitter Have you booked the appointment yet?

Your H is. Selfish cunt.

He expects you to be in pain for months so he can spend £40 a month on himself.

It would take you 3 months to pay that back with his money not until Christmas with minimum payments.

Of course you should have the dental work done and if the credit card is the only option that's what will have to happen.

However, if you can afford to make the minimum payment, you really need to be saving this regularly for other emergencies. Credit card borrowing is very expensive.