Finally at the $10K mark. (rate, transfer, creditors, accounts)
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I just finished paying off two credit cards and a personal loan in April, after 5 years of skimping and throwing extra money at the credit card balances. It's a great feeling of security when those debts are gone and that money is piling up in the bank!
Unfortunately, I just had to have $10k worth of oral surgery last week. Every time you think you're getting ahead, ya know? But hey - at least I had the money to pay for it. It'd be much worse if I had no available credit and no savings and needed the surgery.
Very few people have dental insurance. The cost is crippling for middle-class people. The person who needs $10K worth of dental work has the much cheaper option of taking a "dental vacation" to a country where the same work can be done for $1,000. Add another thousand for plane fare and hotel, and the net savings is $8K. Much cheaper then dental insurance.
you have to hope there are no other issues doing that...i had 25k in dental implants done here.. but there were constant issues coming up including rejection of a few...
glad i didnt leave the country to do them.there are just to many things that crop up alot of times to have prodcedures done out of the country unless its life or death and you must.
the woman at the nail place my wife goes to had no health insurance and her husband had a heart attack... they shipped him off to korea for the surgery.. its going on 2 years now and he is still in re-hab there.. they never imagined a stay like that but thats what it is when you do things abroad.
Very few people have dental insurance. The cost is crippling for middle-class people. The person who needs $10K worth of dental work has the much cheaper option of taking a "dental vacation" to a country where the same work can be done for $1,000. Add another thousand for plane fare and hotel, and the net savings is $8K. Much cheaper then dental insurance.
That's news to me, as I've always had dental. Right now, it's bundled with the rest of our healthcare insurance. We pay a little over $200/month for medical/dental/vision for a family of four. It might be less expensive for us to go to Mexico for certain things, but generally, our treatment is covered, and there are risks to pursuing care outside the U.S. as mathjak points out.
That's news to me, as I've always had dental. Right now, it's bundled with the rest of our healthcare insurance. We pay a little over $200/month for medical/dental/vision for a family of four. It might be less expensive for us to go to Mexico for certain things, but generally, our treatment is covered, and there are risks to pursuing care outside the U.S. as mathjak points out.
That means you have somebody else (like your employer) paying about $1,000 a month for your group insurance premium. Not everyone is that lucky. America's health care costs are $1.2-trillion, which comes out to about $4,000 per person. Somebody is paying that. I bet it's you, one way or another.
glad i didnt leave the country to do them.there are just to many things that crop up alot of times to have prodcedures done out of the country unless its life or death and you must.
the woman at the nail place my wife goes to had no health insurance and her husband had a heart attack... they shipped him off to korea for the surgery.. its going on 2 years now and he is still in re-hab there.. they never imagined a stay like that but thats what it is when you do things abroad.
If you have to go back a second time, it's still a lot cheaper than paying a US dentist.
Your nail woman's husband is alive, though, right? Do you know how much an implantable defribulator costs in the USA, in the box off the shelf? It's about the size of a yo-yo, and they cost more than a new Mercedes (E-class, not the cheap one). Doctors in Pakistan buy them on E-Bay, for $500 (not the Merc), salvaged from patients who died.
Maybe not a milestone to some people...but was almost $16k in credit card debt...Finally got it down to an even $10K........That's the only debt I am carrying right now aside from house note and car payment in which the car will be paid off(knock on wood) in Oct 2011. Iknow it's not much...but feeliing a little better about things... I am 39yrs old..and this little last economic fiasco has opened my eyes......gotta be more fiscally responsible with the finances.
congratulations. don't make lite of it, that's YOUR accomplishment. keep working at it and keep getting those positive feelings. it often feels like a mountain to climb, but once you focus on it, it's easier than you think. but don't lose that focus.
also - call your credit company every 2-3 months and ask them if you can have a better interest rate. and those 0% offers are starting to flow again.
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