I had a Wisdom tooth taken out in December and according to what I was told by the billing specialist I put the balance on the credit card that I used when I got LASIK a couple of years ago.
I was lucky to get 0% financing on that card and planned to pay it off well before the deal expired. I went ahead and tweaked my Zero Based Budget to fit the payments in and I was on a roll….until I received a bill from the dental office for an extra $260.50. This is the balance that the dental insurance has decided it will not cover off the $450 that was charged for my anesthesia.
Wow.
So I now have to come up with the money to pay that portion of the bill which means MORE expenses for me. I know that the amount looks small but when I don’t have ANY money at all, just knowing that I am paying that much more in bills is very distressing. When you add that to the enormous electricity bill this month AND the classes that I am paying for it just seems a bit much.
This means that I have to raid the Splurge Fund and other mini funds that I had in order to cover those bills. The Emergency Fund already suffered and is not even being rebuilt now because of these expected outflows.
Sigh.
It really seems that every time I seem to have things starting to go right I get a big slap in the financial face and cannot seem to put anything in savings at all.
***Update**** I was able to get the amount billed as 0% interest for 12 months so that will be a BIG help to me.
Yay! The only thing better than no debt at all is 0% interest! Good job convincing them!
A few years ago I had a cracked wisdom tooth. I was in pain! The dentist told me he could yank it now or make an appointment and have someone drive me home two weeks later. I pondered it a bit and when he told me it would cost about me about 300 more it tipped the scale and I told him yank it. Wise choice. I was numbed up anyhow.
I told my wife 300 bucks for a few seconds of pain was well worth it.
I’m always getting screwy bils by the dentist I have dental insurance they even have trouble figuring it out.
A least you have them out. Mine is crooked and I still have them! Plus, it will probably be a one time expense and save you money down the road.
Just be thankful you had partial coverage. I was forced to get my wisdom teeth removed due to some pain and teeth movement. The problem was that I had no medical/dental coverage at all. So I had to pay the entire $1000+ bill myself. That sure was a financial kick in the junk.
ouch! I think the bill hurts more than the procedure that you undergo.
well that’s life, atleast you get the 0% interest…just charge it to experience! (sigh!)
Money is tight nowadays and you can consider yourself lucky if you can put some aside for savings. Good thing you got that 0% interest for 12 months scheme.