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Established Contributor
Posts: 536
Registered: ‎04-01-2013
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Hold my beer... Watch This!! (Help needed)

Okay so,

 

Me and my fiance recently moved in.. (okay not my fiance but my GF) we have a sweet little 10month old daughter together. Her medicaid coverage ended and I have our daughter under my insurance. I am 18 my GF is 19..

 

She does not work. My employer's dental and medical cannot cover her under common law spouse because our state in which we reside does not recognize Domestic Partnerships nor Common Law Spouse (Mississippi).

 

She needs dental work done bad (ASAP) cannot afford any waiting periods with individual policies plus w/ Cigna it would cover 90% of the procedure. 

 

I do not want to get married eventually yes but I am very young right now and it would not be the right choice as much as I love and care for her. So... 

 

I currently have 0% offers on all my credit cards except American Eagle and Cap1... look in siggy.

 

The job costs 3.4k for Root Canal and In-lay blah blah. It is bad.

 

Would it be terrible if I financed the job with these new CCs??????????????

 

I do not want to apply for their finance credit installment because I cannot take anymore Inqs and afraid I won't be given the full amount for the procedure.

 

Any suggestions? 

Contributor
Posts: 88
Registered: ‎03-16-2012
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Re: Hold my beer... Watch This!! (Help needed)

If you are close to Memphis, check the dental school.  One of my employee's used them quite a bit in the past.



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Established Contributor
Posts: 515
Registered: ‎07-31-2012
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Re: Hold my beer... Watch This!! (Help needed)

It will certainly lower your scores since your util is going to go up. And I agree, check with dental schools. My Aunt had the AC go out in her car (I know, not the same thing) and I advised her to check the local tech college. Saved her a lot of money.


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Established Contributor
Posts: 536
Registered: ‎04-01-2013
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Re: Hold my beer... Watch This!! (Help needed)

Thanks for the suggestions! Hmm have not thought about that are their prices significantly lower than offices?
 
I got quotes from 4-5 different specialty office and they were about 100-200 difference. 

 

Contributor
Posts: 88
Registered: ‎03-16-2012
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Re: Hold my beer... Watch This!! (Help needed)

Free or very little charge.  Gotta practice Smiley Tongue



CHASE FREEDOM 30K; CITI PREMIER 12.9K; CITIAA 6.2K; DUCK 20K; AMEX BCP 1K; DISCOVER 13K; BOFA 20K; USAIR 10K; CABELA 10K; ARRIVAL 12.5K; USAA 12K; CSP 20K; PenFed 5K
Established Contributor
Posts: 955
Registered: ‎02-02-2013
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Re: Hold my beer... Watch This!! (Help needed)


cottontop wrote:

If you are close to Memphis, check the dental school.  One of my employee's used them quite a bit in the past.


+1

 

I have no direct experience with this but....here in L.A. the USC dental school provides a LOT of free or close to free work for people.  The professors all oversee everything (cause they don't want to get sued) and people say the work is every bit if not better than their regular dentists.  It can save you thousands.

 

Its worth a phone call and a hotel room if need be imo.


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Frequent Contributor
Posts: 290
Registered: ‎08-29-2011
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Re: Hold my beer... Watch This!! (Help needed)

some part of me wants to ask why kids are having kids but I wont go there. That said, I would absolutely see if there are dental schools. The debt is under your name and while love is forever, even life surprises you...........

Moderator Emerita
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Registered: ‎09-13-2012
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Re: Hold my beer... Watch This!! (Help needed)

Frequent Contributor
Posts: 332
Registered: ‎04-09-2013
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Re: Hold my beer... Watch This!! (Help needed)

[ Edited ]

I think your credit is going to take a major hit, no matter what. 

 

It's regretable, because you are so young and have obviously worked hard to establish those credit lines. 

 

On the other hand: You have an emergency - and that is what credit is for !!

 

If it is at all possible, try shopping around for a dentist who will work with you on the price and a payment plan.  Even if it means temporarily sinking one of your cards, to finance the down payment, it's better than waiting for the dental problem to become a full-blown medical issue.

 

You seem to have a very mature sense of responsibility - I'm sure you will successfully negotiate this predicament and emerge the stronger for it.

 

Best wishes for your future success !!

Established Contributor
Posts: 536
Registered: ‎04-01-2013
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Re: Hold my beer... Watch This!! (Help needed)


 wrote:

I think your credit is going to take a major hit, no matter what. 

 

It's regretable, because you are so young and have obviously worked hard to establish those credit lines. 

 

On the other hand: You have an emergency - and that is what credit is for !!

 

If it is at all possible, try shopping around for a dentist who will work with you on the price and a payment plan.  Even if it means temporarily sinking one of your cards, to finance the down payment, it's better than waiting for the dental problem to become a full-blown medical issue.

 

You seem to have a very mature sense of responsibility - I'm sure you will successfully negotiate this predicament and emerge the stronger for it.

 

Best wishes for your future success !!


Thank you for your kind words NonSufficientFunds, you definitely have put things in perspective for me. I do have an emergency and I think the best route is to find the best rate at a lower end dental center like previous posters have suggested and paying in full perhaps even it means taking some out of my emergency savings... it is just one of those things that require to break the bank a bit. I definitely do not want to ruin my score so early. I still want to get an AMEX preferably next year or so..

 

I will PIF out of my high yielding savings and save my credit and penny pinch and live frugal in the meantime until my next raise in September Smiley Very Happy

 

Thank you all for your insightful responses!

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