For background: I'm a single parent. XH is very supportive with money and flexible custody. I work full time in a secure (as possible) civil service job. I have about £850pcm to spend after rent (a secure HA contract), after school club and bills (not including car/food which comes to around £300 depending on the month).
I have always yo-yoed with my weight (between 10 and 19 stone)and I had a huge baby and un-elastic skin. I have a huge 'apron' of loose skin. It flaps and is obvious under clothes. I hate it and I think about it all the time. This is not just a tiny pouch: I can literally lift and bunch it to the side and see how I could look.
I had a free consultation and was quoted £10k for removal with lipo and 3 years aftercare (I know you can do it cheaper abroad but no).
I have excellent credit and a regular income so can borrow. Some offers I've looked at are £4k at 0% for 30 months, £10k for 4 years at £250pcm, £10k over 12 months 0%.
Basically I mean I can affordably loan this money over a short ish term and it would improve my physical ability and confidence 100 fold.
However, I could die or be disfigured with this surgery ruining my son's life. Or, more likely I'll just be funneling all my spare money for the next few years into a "vanity project" when I should be spending it on my son: holidays, significant presents, school funds etc.
AIBU to get the surgery?