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In an ideal world, if you’re considering cosmetic surgery you’d be best placed to squirrel away some savings to cover the cost, that way you’re not worrying about interest on loans building up or making sure you’ve got enough money this month to make the repayment.
Also, the very act of saving up, over say a year or two, gives you time to REALLY work out if your decision to have surgery is the right thing for you to be doing. It takes away the impulsive streak in all of us as we build up towards a goal that by the time we reach it, we know we truly want it and possibly need it.