Should I pay for this from my savings?

[Mumtofour1]

Posting here for traffic really. Situation is I need to have 1.5k worth of dental treatment. Those who have had dental treatment recently know it doesn't cover a lot. It's for restorative work so necessary but not impacting.my health as such.

Question is due to cost my DH suggested I should use my savings but I disagree, it should come from joint savings. We are financially stable with good savings etc so no problem here.

What do others think?

As it’s pregnancy related tooth damage, family money.

They are indeed medical. But are you seriously suggesting the personal savings comes ahead of things you’re saving for jointly?

It completely depends on what else you dip into the joint savings for. If he is paying for his personal items (new bike, hobby equipment, stag dos with mates etc) from joint savings, then go for joint. If everything is separate then it is your personal expense so should come from your personal savings.

How presumptuous of you! I’m not financially dependent on my partner. I have my own investments and income streams, but I feel comfortable enough to put this into our joint account!

Different things work for different people, and if people and if a couple don’t value money the same way they should absolutely not pool it together.

And if they aren’t going to pool their resources they need to agree firmly what comes out of which account.

I had £2500 worth of dental treatment, cosmetic, a few years ago. I paid for it myself, just as my husband pays for his golf equipment from his money. It was worth every penny.

I apologise for assuming you were financially dependent. Glad your situation works for you

Agreed! I wonder how there can be total transparency if you can’t access everything.

We pay for opticians and glasses out of our joint money, as we both need them and it's not a choice - at one point I chose to wear contact lenses, which I paid for as it was more expensive and not a necessity.
We basically pay for anything we "need" from the joint account and anything we "want" from our own money. So for us it would depend on whether the dental treatment came under a want or a need.

@Otherstories2002
The Ops DH thinks dentistry costs should come from personal savings. I think it should come from family money because it is an essential, medical cost.

I have more personal savings than my DH. Actually, I contribute 95% to the joint savings too. We have separate finances and I earn more. We look out for one another and have never argued about money. Other than the glasses thing, neither of us spends much on luxury goods like handbags, watches or even cars.

How did you go from not being able to afford dental work I'm pregnancy to having ample savings? And still need the same dental work?

I think it depends what your savings usually cover

As you have this segregated savings setup, I guess it comes out of yours.

I would say joint if my husband needed dental work I would expect it to come from joint as it’s health.

I'm sorry I don't agree with most of these posters. Having bad dental health can impact your overall health and in the case of heart disease can kill you. Its not a personal issue but a family issue.

Use your own savings for the dental work in accordance with DH’s wishes and let DH pay for his future medical treatment, care costs, whatever that may be. Get a separate bank account. I haven’t had a joint bank account since 2001.

Isn't dental treatment free during pregnancy and first year.

Horrified at so many people saying this should come out of personal savings, I couldn’t live like that. How miserable and mean.

So, if cosmetic elective surgery for YOUR teeth to benefit only YOU is not something for YOUR personal savings.

Pray tell what is?

Household savings my foot. Kids braces yes. Mums veneers no.

But it's treatment to remedy something caused by them jointly (her pregnancy). So it's not just that she's decided she wants veneers or whatever, it's putting her back in the position she would have been in if she hadn't carried their children for them both.

I wouldn’t even consider taking this out of joint funds

I couldn't agree more. I'm afraid done with posting on this thread. Thanks for all the input everyone.

Obviously you should pay for this. I go to a private dentist, my partner is NHS.

I pay for my own treatment as it's a personal choice and I wouldn't expect her to pay half.