@Anonymous wrote:I have basically a zero balance on 33k of available credit, and a measly 24k in annual income.
But my rotten, hideous teeth need about 30k worth of work (unless I just get dentures at 35 years old!)
So, in reality, I feel like I'm worse off than anyone in this thread.
I did just get a $5k CareCredit card. I'll probably max that sucker out in one sitting.
Sigh...
Are you near a dental school? Most major universities have a dental school who can do a compassionate care program for free or MASSIVELY reduced cost. With your income, you'll definitely qualify. Might be worth investigating. Best of luck to you. My husband had really bad teeth issues when we met too, and we were lucky enough to have dental coverage, but it was still painful and time consuming. The good news is his teeth weren't quite as bad as they originally thought, and now they're nice and healthy.
@Galaim wrote:
@Anonymous wrote:I have basically a zero balance on 33k of available credit, and a measly 24k in annual income.
But my rotten, hideous teeth need about 30k worth of work (unless I just get dentures at 35 years old!)
So, in reality, I feel like I'm worse off than anyone in this thread.
I did just get a $5k CareCredit card. I'll probably max that sucker out in one sitting.
Sigh...
Are you near a dental school? Most major universities have a dental school who can do a compassionate care program for free or MASSIVELY reduced cost. With your income, you'll definitely qualify. Might be worth investigating. Best of luck to you. My husband had really bad teeth issues when we met too, and we were lucky enough to have dental coverage, but it was still painful and time consuming. The good news is his teeth weren't quite as bad as they originally thought, and now they're nice and healthy.
Baylor is the closest, maybe 125 miles away. I looked into that over a decade ago and from what I recall there was a really long wait time; so I just sort of gave up. And now, I think I'm past the point of no return on this. I let it go for too long and they're just too far gone. But I don't want to hijack this thread with my pity party.
Thanks for your help and concern. 
@Pupeitmeister wrote:For those of you in the GC, You may have noticed I challenged another member to pay off 11k in CC debt before February of 2015.
The Stakes are changing.
I challenge EVERYONE that wishes to accept the challenge to Use this thread as a motivation to reduce your CC debt or Utilization.
Please do not include Mortgage or Auto Loans in this thread, as this is just for revolving accounts.
Please do include, creditor, current interest rate, total CL, amount owed, etc etc. Any information you feel like sharing in regards to your credit card uti/balances.
For those that are more experienced, feel free to offer suggestions on easier ways or faster methods of paying down this debt. Our ultimate goal is to see who can pay off the highest percentage of their personal CC debt before the end of the year.
I challenge you all to join in, and lets have some FUN motivating each other to reduce our UTI and Payoff our debt!!
I guess I would have an unfair advantage. I went from 9K cc debt last June to now only 900 remaining. 1 more month and I am paid out.
Best wishes and God speed to everyone else!
Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
@Anonymous wrote:this is one challenge that I hope every one wins!
You got that right!
@Anonymous wrote:
@Galaim wrote:
@Anonymous wrote:I have basically a zero balance on 33k of available credit, and a measly 24k in annual income.
But my rotten, hideous teeth need about 30k worth of work (unless I just get dentures at 35 years old!)
So, in reality, I feel like I'm worse off than anyone in this thread.
I did just get a $5k CareCredit card. I'll probably max that sucker out in one sitting.
Sigh...
Are you near a dental school? Most major universities have a dental school who can do a compassionate care program for free or MASSIVELY reduced cost. With your income, you'll definitely qualify. Might be worth investigating. Best of luck to you. My husband had really bad teeth issues when we met too, and we were lucky enough to have dental coverage, but it was still painful and time consuming. The good news is his teeth weren't quite as bad as they originally thought, and now they're nice and healthy.
Baylor is the closest, maybe 125 miles away. I looked into that over a decade ago and from what I recall there was a really long wait time; so I just sort of gave up. And now, I think I'm past the point of no return on this. I let it go for too long and they're just too far gone. But I don't want to hijack this thread with my pity party.
Thanks for your help and concern.
Well, teeth are really important. Forget every other saying you've heard: Healty teeth, healthy life. Really important!
Call Baylor again and see how the wait is now. There may be a new dental school closer to you. The dentist might even be willing to cut you a deal, or know of a fund program that could help out. The dentist might even let you make payments. If s/he won't, the s/he is a jerk and you should find a dentist who will.
We got some help with our dog through some charities years ago when she had some major health issue. It got expensive fast, and it snuck up on us.
@Roarmeister wrote:
@Pupeitmeister wrote:For those of you in the GC, You may have noticed I challenged another member to pay off 11k in CC debt before February of 2015.
The Stakes are changing.
I challenge EVERYONE that wishes to accept the challenge to Use this thread as a motivation to reduce your CC debt or Utilization.
Please do not include Mortgage or Auto Loans in this thread, as this is just for revolving accounts.
Please do include, creditor, current interest rate, total CL, amount owed, etc etc. Any information you feel like sharing in regards to your credit card uti/balances.
For those that are more experienced, feel free to offer suggestions on easier ways or faster methods of paying down this debt. Our ultimate goal is to see who can pay off the highest percentage of their personal CC debt before the end of the year.
I challenge you all to join in, and lets have some FUN motivating each other to reduce our UTI and Payoff our debt!!
I guess I would have an unfair advantage. I went from 9K cc debt last June to now only 900 remaining. 1 more month and I am paid out.
Best wishes and God speed to everyone else!
Great progress, cheater!
Great thread Pupe!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@Anonymous wrote:
@Galaim wrote:
@Anonymous wrote:I have basically a zero balance on 33k of available credit, and a measly 24k in annual income.
But my rotten, hideous teeth need about 30k worth of work (unless I just get dentures at 35 years old!)
So, in reality, I feel like I'm worse off than anyone in this thread.
I did just get a $5k CareCredit card. I'll probably max that sucker out in one sitting.
Sigh...
Are you near a dental school? Most major universities have a dental school who can do a compassionate care program for free or MASSIVELY reduced cost. With your income, you'll definitely qualify. Might be worth investigating. Best of luck to you. My husband had really bad teeth issues when we met too, and we were lucky enough to have dental coverage, but it was still painful and time consuming. The good news is his teeth weren't quite as bad as they originally thought, and now they're nice and healthy.
Baylor is the closest, maybe 125 miles away. I looked into that over a decade ago and from what I recall there was a really long wait time; so I just sort of gave up. And now, I think I'm past the point of no return on this. I let it go for too long and they're just too far gone. But I don't want to hijack this thread with my pity party.
Thanks for your help and concern.
I used to work at the UT Houston dental school and they are reasonable and the clinics are first come first serve in the morning. They open at 7:00a. I am not sure how far away this is from you, but it might be an option.