You have it all figured out: the procedure you need, the best clinic to have the procedure done, even when to take time off work for recovery. All is in place, save for one thing: the money to pay for the cosmetic surgery.
While the results can make you look and feel your best, cosmetic surgery does not come cheap. Usually, it will run into thousands of dollars, if not more.
But you don’t have to sell your kidney. Here are some excellent ideas to help you afford that coveted procedure.
1. Medical Credit Card
These are gaining popularity for cosmetic surgery patients.
Medical credit cards work much the same way as regular credit cards; only their use is limited to cosmetic procedures. This is a plus for overspenders as it controls what they can use the card for.
Before signing onto one, do your research to find the most affordable cards. Take your time to read the fine print as well. The last thing you want is to end up with overwhelming debt after your procedure.
You can also use your regular credit card if you do not want a card that limits your spending.
2. Save Up
You can pay for a surgery with your existing savings, or you can start saving up for the surgery.
If possible, open a separate account where you stash some cash every month or week.
Another way to save is by opening a checkoff account where you issue instructions on an amount of money to be deposited on the account at stipulated periods.
The beauty of using your savings is that you get time to figure out just how badly you want the procedure done. Similarly, you can enjoy the results without worrying about the accompanying debt.
3. Doctor’s Payment Plan
Some doctors are willing to sit down and formulate a repayment plan with their clients.
Depending on several factors, a doctor can require you to make small payments and clear the amount before the surgery. Others will perform the surgery, and you can pay afterward.
One benefit of this plan is that it rarely comes with interest.
Nonetheless, go into a consultation with as much clarity on what you want as possible. For example, figure out how many cup sizes you want for breast augmentation or the shape you want from a Brazilian butt lift.
4. Make a Gift Out of It
If you have a birthday, wedding, or a special occasion, you can ask your loved ones to give you a monetary gift.
If you are lucky, you can make up a considerable percentage of the total cost and find other avenues to top up the rest. If you are super lucky, the cash gifts you get can cover your entire cosmetic surgery bill. It’s worth a try.
5. Have a Yard Sale
This is one way to convert items you do not use into cash for your procedure. Aside from neat freaks, most people tend to accumulate things they don’t use nor need over the years.
Look at what you have in storage spaces, your garage, attic, and so on and sort out the items in good condition for sale.
With this done, publicize the yard sale using your social media and through word of mouth. Once this is done, all that is left is to price the items and plan a good layout for shoppers.
Do not be too rigid on the prices. Whatever little you get will go a long way towards helping you afford your surgical costs.
Word of Caution
While you might be excited to have the procedure done, you should not take any option that might mess up your finances in the long run. Instead, review these options and see which one you can comfortably afford.