Saving for Cosmetic Surgery

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The best way to pay for cosmetic surgery is to pay up-front using savings. This will prevent you from paying high interest repayments and gives you time to reflect upon you decision. In order to save up for cosmetic surgery it is essential that you have a realistic figure in mind. The best way to get an accurate figure is to visit a cosmetic surgeon for a consultation. This will allow you to discuss what you expect from surgery at which point the practitioner will be able to recommend procedures and give you an accurate figure.

Where to put your savings

Once you have an accurate figure in mind you can set you savings goal. It may be helpful to discuss savings with a bank advisor, as they will be able to help you work out how much money you can afford to set aside. This is significant as knowing how long it will take you to save will help you to decide how to save. If you are planning on saving up over a year or more it is advisable that you open a high interest account such as a tax free ISA. This would mean that you could not access your savings for a fixed amount of time (usually between 1 and 4 years) but the interest over that period is generally higher than normal savings accounts. If you are able to save over a shorter period of time or want more flexibility with your money normal high interest savings accounts would be more appropriate.

How to save

It is vital that you are realistic about what you can afford to save. The best way to do this is to look at an average month’s bank statement and highlight your outgoings. This will help you to decide what you can cut back on. Saving can be a challenge and finding the equilibrium is important. You will have to make sacrifices to achieve your goal; luxury commodities such as holidays are easy to cut back on. You should also try to cut back on monthly expenditure such as cable television and food costs. As soon as you have worked out your monthly budget, saving for your surgery will be much easier.

When you have enough money to pay for your surgery, you may be able to negotiate the price down with the practitioner. However, you should not rely on this when setting your goal as some clinics will be unable to negotiate on price.

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