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Dental Care – Teaching Style

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I think almost every blogger here on BAD has had some sort of dental emergency and got caught without insurance or some help to cover it.  So I thought I’d weigh in on what we do.  Full disclosure, the twins do have full dental coverage and I have utilized that quite a bit, especially when they first moved in since they had never been to a dentist and had to learn more about personal hygiene.  But we are caught up now, and are mostly in maintenance mode.

For several years, I carried a stand alone dental policy for me and the littles.  It was $75 per month, covered 100% of basic maintenance except fluoride and gave us about a 20% discount on other services.  We have been blessed with good dental health and as I weighed the cost of the insurance against what I was spending, well, it just didn’t make sense.  So the next year, I signed up for my dentists own in office plan which for about $600 for the 3 of us, all the basic maintenance including sealants and fluoride were covered.

Then last year, I know, bad mommy, I decided to forego dental anything.  We didn’t go to the dentist at all.  Again, bad mommy moment but forking over that money is the midst of debt pay off, well, I just couldn’t stomach it for what we needed.

Now we are here, and I think a year without at least a check up is long enough SO we’ve decided to visit the local community college dental hygiene school.  For all of us to go, get thorough exams by the students (under faculty observation,) get fluoride treatments, sealants as needed, xrays, etc….it’s going to cost me a whopping $65!  I am so excited about this.  And they are just 15 minutes from my house.

I set it up several months in advance so we can all go at once.  It will be several hours for the appointment as it is a teaching facility, but compare to the $1000+ , then $600+ and now to $65 for what we’ve been getting the last four years, I am super excited.  Obviously, if issues are found, I will have to revisit our previous dentist, but since we just recently had ortho appts and they found no cavities, I’m feeling pretty confident that it’s just the $65 this time around.

Anyways, just wanted to share my dental win!  Appointment is still several weeks away, but I just received their brochure and confirmation card in the mail this week so thought it was a good time to share.

For those who chimed in on my braces post, we’ve decided to hold off on braces.  All the kids know the end game of this debt pay off journey and know that adding the braces payment to that could really set us back a bit.  I did let each of the twins choose independently on how important it was for them, with weigh in from me, and I think we’ve reached a good compromise on all sides.  We’ll revisit my daughter’s in the next year, hopefully with some help from her dad, and let her decide with some parental input.


Bad Things Come in 3’s

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That’s the saying, right? Bad things come in 3’s. So apparently the God of the “bad things” has trouble counting because I’m pretty sure we’re on bad thing #130903480 in the past couple months. Sure, it’s a bit of an exaggeration, but some more crap has gone down.

First, on Monday while I was driving my front left tire blew out. I’ve been a passenger in a car when a tire has blown out before but this was my first time driving when one occurred and it was scary! Luckily nothing too crazy (I was going about 45 on a regular street, not on the highway), but it swung me into the center median pretty hard before I regained control of the car and was able to safely navigate to the side of the road. I’m so, so, so glad I just hit the median and not another car! Yikes!

Four new tires + an alignment later (oh yeah, plus it needed new brakes too), I was coughing up $1100 for car maintenance. All relatively necessary. The car (5 years old) has never had new tires so we knew we’d be needing some in the coming months but didn’t realize the day would come so suddenly. The tires weren’t completely bald or anything, so the blow out was a huge surprise. I guess the thing to be grateful for there is that the blowout occurred while only I was in the car (no kids in the car), in our own town (not on the road somewhere between Tucson and Austin), and no one was hurt. The alignment was necessary because its good to do when you get new tires plus I had really whacked the sh*t out of the front blown tire when I rammed the curb. Not sure if that can mess up the alignment, but I’m sure its not good. Alignments are relatively inexpensive anyway. The only thing I think we could have gotten cheaper were the brakes. Husband knows how to do brakes and I would have liked to have had him do them, but they were all rusted and corroded (so weird because the car is well maintained and we rarely have rain in Tucson?? but we bought it used so the rust could have been from before we owned it), and hubs said to just have them replaced since he’s been so busy with work and wasn’t sure when he’d have a chance to do them before our Texas trip.

Oh yeah, and remember how we used up our full vehicle maintenance savings fund last month when husband’s car needed maintenance? Yeah, so we’ve got nothing saved for it.

Then the second thing occurred this morning. Husband always wakes up before me (he’s usually out the door by 7am, and I only wake up at 6:30-6:45ish). Today, though, when he woke up he went to the bathroom and came back out, gently shaking me awake. I open my eyes and see…..a swollen cheek.

I’ve seen this before. This is the same mother-freaking swollen cheek I saw last time husband had a bad tooth that required a root canal. Correction. This is the same swollen cheek he had the time before last time. Last time was just this past July (remember??), and his mouth never swelled up that time.

Seriously, world? SERIOUSLY?!!?!?!!?!

He says it came out of nowhere; that it hadn’t been hurting or anything. But he’s now in serious pain and the situation is going to require immediate attention (side note for long-term readers: yes, it’s not really “out of nowhere” because we knew he had a few teeth that really needed root canals and we’ve just basically been putting them off, trying to save up money and pay down some debt first).

So this morning he had his helper meet at our house so the helper could take the truck and get started working. Husband went to the dentist and had some preliminary stuff done (he did get a prescription for some antibiotics, too, but apparently the infection wasn’t bad enough to preclude some of the initial root canal stuff – like taking a mold of the tooth or whatever happens? I’ve never had a root canal so I don’t know). But here’s where I get really pissed. I’ve had a couple people (real life friends & readers) comment on how awesome these dental discount plans are. I’m familiar with these plans and, back in July when husband had his last root canal, I had suggested he buy one of these plans.  Husband said that the office showed him their rates with the plan, but they were able to match the plan’s price without having to actually purchase the plan. If you’ll recall, back in July we paid $1600 for the root canal + crown.

Welllllll…. I was b*tching about this to a friend today on the phone and, again, she brings up the dental discount plan. She urges me to check it out myself, practically insisting on it, even though I tell her that husband already saw all the rates while at the dentist’s office. I get off the phone and do a little internet research and – lo and behold – guess what guys! The dental discount plan could have saved us nearly $600! Yes. Root canal + crown for just under $1,000. We paid $1600 (and that’s the same quote we got for the current root canal, too). WTF!?

So now I’m conflicted. We already owe the dental office from their work today (to the tune of $800), but now what? Try to find an in-network dentist to do the crown at the discount rate (of about $500), or just finish up with the dentist we’ve started with? Husband is in immediate pain and has already had the process started at this current place so he just wants to finish there. But I feel like they’re basically swindling us out of money! It’s our fault because we should have researched and learned that different offices have different rates (husband & I both assumed the rates he was shown for the “dental discount plan” would be comparable at all Tucson dentists), but it just makes me angry! We’re basically hemorrhaging money around here!

I feel like Murphy  (of Murphy’s law) is testing us. How dedicated are we to this whole get-out-of-debt thing?

Guess what, Mr. Murphy! Pretty f-ing dedicated. Why don’t you just pack up your bags and take a hike?!

In the meantime, we’ve spent $1900 and counting (that’s $1100 on the car + $800 on the tooth, and between another $500-800 to go). Thankfully, we do have some savings in our dental insurance savings fund, but not nearly enough to cover the full procedure (we have about $500). So, I’m breaking my living-on-last-month’s income rule. I’m raiding our bank account to cover these costs so I don’t have to dip into additional Emergency Funds to cover the deficit.

December looks like it’s turning out to be quite profitable for husband’s business so I think we’ll be okay. Meaning, I think that even after paying these expenses we’ll still have enough to “live on last month’s income” for January (so we won’t have to start over on that). Essentially, January would have seen a great debt payment. Instead, it will get an average-sized debt payment and a lot of what would have been surplus will be going to pay car maintenance and dental procedures. Big bummer. But at least no new debt is incurred and we’re still making progress on our existing debt.

This also impacts how I’ll be budgeting in 2015. I still need to find the time to go over everything and really analyze our spending, but now I’ll be able to know a precise number to save for dental expenses or car maintenance, etc., instead of just randomly selecting a number out of thin air to save (which, as it turns out, has not been enough). So, live and learn.

And…no more bad things. We’re capped out on bad things right now.


Keeping my (cheap) health insurance!!!

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So excited with some information I learned!!!

It was several months ago when I mentioned that I realized I was probably going to have to get a new insurance in 2015. This sucks (bad) because we currently pay $350/month to insure our family of 4. It’s not the best insurance in the world (very limited vision coverage and no dental), but when I was pricing comparable coverages for our family the quotes on other insurances were closer to the $1,000+ range! Whoa! That’s a huge difference!!!

Why the increase??

Our current plan was an older plan that existed pre-Affordable Care Act and is not compliant with today’s mandated standards (specifically, it does not provide any prenatal coverage). I’m not planning a pregnancy so this makes our insurance cheap and its a win-win since we’re not paying for coverage we won’t need. Although we were allowed to keep our plan through the end of 2014, we knew it would expire on December 31, 2014 and force us to find a new plan for 2015. Womp, womp!

But(!) some of you had mentioned that our plan may have been grandfathered in for another year. I (finally) looked into it further and discovered that our current plan will be good for one more year (until end of 2015….though some plans have been grandfathered in until 2017)! What a blessing that we won’t have to budget an additional $650/month toward insurance starting in January! It’s such a relief! Whew! (Side note:  with any luck, I’ll have landed a full time job complete with benefits like health insurance and 401k matching before the end of 2015 when our current insurance is set to expire)

If you haven’t yet, I definitely recommend anyone whose wondering or curious to look into whether they can renew their old insurance for another year, too. I know there are several specific rules and they vary from state to state so its best to call your own insurance company to figure out what works best for you.

How much does health care cost you per month? We pay the $350/month insurance premium, but we were still paying hospitals/doctors $150 monthly for bills incurred from my husband’s health scare back at the end of 2013, so together we were paying $500/month for health care. BUT, we just paid off a $75/month bill last month so now we’re down to $425/month. More than I like, but not too shabby compared to what it could have been!


“Crappy” Day

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Warning:  Pretty graphic details to follow so if you have a weak stomach….you’ve now been warned.

Friday started out pretty normal. I took the girls to preschool, hit up the gym, and settled into working at the JCC. About noon I had to come home because I was expecting a package that required a signature. I got home, ate lunch, and jumped in the shower. I took an indulgently long shower. This is one of the areas that I’ve tried to cut-back since I’ve been blogging away my debt but a long, steaming-hot shower is one of my favorite weaknesses and on this day I decided to be indulgent. My shower lasted probably close to 20 minutes. As soon as I turned the water off and stepped out, I heard the unmistakable sound of water running.

“Hmm, that’s weird,” I thought. “I didn’t accidentally leave a sink running in the kitchen, did I?”

I grabbed a towel, wrapped it around me, and walked out of the master bedroom into the living room. At that point I see it. Water is streaming from the second bathroom. Still nekkid (save the towel), I run down the hall way, splashing through water to get to the second bathroom. At this point I see water just pouring from none other than the toilet. Sewage water, to be exact. I grab the plunger and furiously start plunging (totally naked at this point, as I’d had to abandon my towel to plunge with both hands), but the river flowing forth from the toilet is undeterred.

I’ve never dealt with plumbing issues this severe. I’ve learned a lot since this point (ummm…turn off the water to the toilet!!!), but at the time I had no idea what to do. I’m running around the house screaming and trying to stop the tide of water from entering the bedrooms by throwing towels down on the floor to act as little barricades. Finally the water stops.

I call Chris frantic. I tell him we have an emergency and explain the situation. I don’t think he realizes the full extent of the situation. He tells me to simply mop up the water and he’ll handle a deep cleaning when he gets home. I do what I can to try to mop up a bit and I had successfully kept the water confined mostly to bathroom, hallway, and laundry room (all tiled areas of the house).

Next I do what any person who has just splashed in sh*tty water would do. I take another shower.

This time it’s a quickie. I basically just soap up my hands, arms, feet, and legs to get the sewage water cleaned off of me. I turn off the shower and I hear it again. The toilet in the second bath is freely flowing like a raging river of crap water. Again.

I throw on a robe and race from my room in horror. This time I call my Mom in tears and explain what’s happening. She guides me through turning off the water to the toilet. I call Chris, explain the full extent of the situation, and he heads home. At the end of the ordeal we have literally two inches of water in the bathroom, and it has now expanded into at least 2/3 of the house, including the baby’s room, the guest room, living room, and into the kitchen.

I am absolutely frantic. There are actual human turds floating down the Ganges River that is my hallway. I have never seen or dealt with anything so uniquely disgusting and horrifying and it is about this point that I have a breakdown, sobbing as I watch the water soak into our beautiful living room rug, overtake the baby toys scattered about, and ruin everything in its path.

I’m sure you can imagine how the next several hours went.

We called our landlord who came out to assess the situation (we rent from a private individual, not a company). He called his home owner’s insurance, who came out and sucked up the water and set up huge fans to dry. A plumber came out and discovered that there is something wrong with the line out by the street. What I didn’t know earlier (while taking my long shower) was that all of the water that was going down the drain from my showers was meeting a blockade and somehow in the pipes it forced the closest thing (the sewage water) to come back up in our home. We were also told the problem would not be able to be fixed until at least Monday (at the earliest).

We gathered up some essentials and moved into a hotel.

I never did finish my job applications. It’s now 3:00pm (Tucson time) and not looking likely that I’ll finish them in time. I’m also hopelessly behind on grading first due to the girls’ being home sick and now due to this situation. I want to go to sleep and just wake up middle of next week and have everything be done. If only it were that easy.

But let’s look at the bright side of things. This situation, although disgusting, isn’t all doom and gloom.

  • I’m so glad we rent! It’s no secret that we’d like to be home owners but when situations like this arise, I’m so, so, so glad that we aren’t the ones footing the bill.
  • I’m so thankful we just renewed our renter’s insurance. The home owner’s insurance only covers damages to the house (e.g., if drywall or flooring needs to be replaced). Our renter’s insurance will have to step in to cover any damages to our personal property.
  • I’m so thankful we have a healthy emergency fund and that we live on last month’s income so we have a big buffer in our checking account!
  • I’m glad I’ve had a chance to calm down and gain some perspective. When this first happened I was literally like, “WORST DAY OF MY LIFE!!!!” That’s just silly. Yes, its a huge inconvenience. Yes, it’s freaking disgusting. Yes, it has screwed me with work. But it’s not the worst thing ever. We are all safe, healthy, and happy-ish (the girls get a lot of anxiety over the new situation so they’re not exactly happy campers). But we’re all in one piece, and that’s something to be thankful for.

I’ve already spoken with a claims person from our renter’s insurance and will need to work with them on reimbursement of various things. We will for sure end up paying our deductible ($500), but I believe they should replace damaged items and cover our costs for a hotel.

There are plenty of other financial implications from this situation. Unable to access our home (and the main water has now been turned off…not just water to the toilet), we have had to eat out for dinner last night and all day today (and will continue having to eat out throughout the weekend). We haven’t talked to our landlord about what our tenant’s rights are (will he cover any of these costs??) because right now we’re just in survival mode – hanging out a hotel and trying to keep things as “normal” as possible for the girls’ sake. That’s the most important thing to me. Next week, while the girls are at preschool on Monday, we’ll have to deal with all the financials further.

I’m going to be 100% honest and say I don’t know how much I’ll be able to check in for the next few days. I will try to keep you all abreast of what’s going on but this is still very much at “minor emergency” status in our lives as we are displaced from our home and trying to make things work. My order of priorities in the coming days is as follows:

1 = family

2 = work

3 = house drama

4 = everything else (which includes blogging)

Sorry to be so brutally honest but I’ve got to keep it real with you AND with me and not make promises I can’t keep. I hope to be back on Monday with some sort of update but if I’m not then you know what’s going on. We’re all safe and healthy, but just dealing with some major life drama right now.

Thanks so much for the support!


More Health Care Costs

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This past week I had my annual well woman check-up/exam. Since this is routine preventative care the appointment is covered 100% from my insurance. BUT, something came up during my appointment that probably WILL end up costing me a pretty penny or two.

I just got a new doctor so I don’t know how this has never come up before with any of my other physicians, but when I was filling out my family medical history, my doctor commented on the incidence of cancers in my family. Specifically, my maternal grandmother and maternal grandfather had cancer at relatively young ages (prior to age 50). My grandmother had breast cancer and grandfather had colon cancer – both are known to be heritable. Because of my grandparent’s young ages and the heritability of these diseases, it raised a red flag and my doctor said she’d like run some blood to test for the genetic markers related to these diseases (side note: colon cancer, more common in men, is also related to uterine cancer in women.)

Maybe its just because genetic testing has been improving across recent years but I was kind of surprised no other doctor has ever brought up this possibility before. I decided I would, indeed, like to know whether I carry the genetic marker(s) that make either of these cancers more likely (and, along with these two cancers, several other cancer markers are checked as well). If I test positive for any of these markers then you can take necessary steps (along with more frequent/earlier examinations) to stay healthy. But, obviously, I’m hoping for negatives all around and a big sigh of relief that I don’t have any genetic loading for the most common heritable cancers.

My doctor explained that many insurance companies now cover this testing, at least in part. She said the way the process works is that they get my blood and send to the lab while processing with my insurance. If the out-of-pocket costs of the lab work will end up being $350 or less, they go through and automatically process it. If it will be over $350, they call and inform me of the cost and I can make a decision from there. I was a little shocked that $350 is the “magic number” they choose for informing patients. It still seems rather high and I wish I could provide my own figure (e.g., Give me a call if it will be over $200), but I didn’t get that option. My only option was blood work or no blood work, and given my family history I decided to opt for the blood work.

So right now it’s just a waiting game and I’m crossing my fingers that (1) my insurance will cover the blood work, and (2) the costs are minimal. I have no idea how that will turn out.

If I get the call that it will be over $350, I’m leaning toward declining the tests at this time. I could always have it done again in the future when I’m planning accordingly for this type of expense and can save up. $350 is no chump change!

What would you do? If you had red flags for a genetic predisposition toward certain types of cancer, would you do the genetic testing to find out for sure? How much would you be willing to pay out of pocket for the tests?

PS: Hopefully it comes back negative but – just in case – it’s a good thing I’ve already got my life insurance all wrapped up since genetic loading toward certain cancers would almost certainly pose a problem for getting life insurance for a reasonable rate!!


Necessary Expenses

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Our month of lower income has unfortunately coincided with lots of extra necessary expenses.

Sigh.

First, I had to pay for my annual life insurance premium. Remember, the full amount was $207. I was able to use some money from my “annual expenses” savings account, but I still had to spend $94 from my “other” budget (out of a total $150 budgeted for monthly “other” expenses). Note – my husband finally received his paperwork saying all his stuff has been approved, but he is STILL waiting on the final contract. I don’t know why there are so many steps involved in life insurance coverage, but we will owe another few hundred for his premium when the contract arrives. Even if we wait to pay it next month, its a big expense.

Second, my daughters decided to have a little developmental-milestone growth spurt this weekend. They already knew how to open some doors (depending on the door knob), but within a 12-hour span they have learned how to open ALL the doors in our house AND have learned to climb out of their cribs. Why does everything happen at once??? Gulp! We knew this would happen eventually, but we’ve just been putting it on the back burner. This weekend we went to Walmart and stocked up on the door knob handle things (like these) that make it difficult for toddlers to open doors. Those were cheap. Know what’s NOT cheap? The conversion kit that is used to convert a crib into a toddler bed. For those without toddlers who have no idea what I’m talking about….when kids start climbing out of their cribs, the conventional wisdom is that it’s time to convert to toddler beds. To do so, you take off the front part of the crib, and replace it with a small safety rail thing to keep the kid from accidentally rolling out of bed in his/her sleep. Here’s an example (image from this site)

bed

That little dinky piece of wood on the front costs in the range of 80-125 bucks! Times 2, since we have twins.

And our final extra expense = clothes. It was my goal to get through this full blogging year (March 2013-March 2014) without purchasing any clothing. I did get a skirt from Nordstrom Rack using a gift card, but I haven’t paid for an article of clothing during this whole time. Unfortunately, I don’t know how much longer that can last. I don’t know if any other women can relate, but I have a closet and dresser FULL of clothes that I don’t wear. A lot of these clothes are from my pre-pregnancy body (which I have mentioned was smaller than my current body, lol). Anyway, I only have a couple of things in my current size and, now that I’ve been my current size for 2 years, these things are getting worn out! It’s not as noticeable with shirts, but my pants/capris have seen better days. The pair of capri pants I am currently wearing have already been mended to fix a hole that had developed along the seam in the crotch. Wellllll, I have just noticed that the hole is back….right next to the area where I had mended them. I guess this means the fabric is just worn out. I could mend again, but I think it’s just a matter of time until I officially retire these pants. I have been making an honest, concerted effort to try to loose some weight (my hope is to get back to pre-pregnancy weight, which is why I haven’t sold my old stuff – I really want to get back to that place, and then I’ll have a full wardrobe I can pick from!). I’ve had some success in losing a little weight, but I still have a ways to go and I’m going to need pants in the meantime.

What to do, what to do….

Basically, the budget is blown. I’m really trying to avoid any extra spending this month because we’re living on last month’s income and only have a set amount of money to work with. But then all of these expenses get pushed to next month and the budget is going to be crazy-blown for October! Just the life insurance, alone, blows the budget. Add on the baby purchases and a pair of pants and we’re donezo!

I see the pants as the least immediate need, but the toddler crib conversion needs to happen asap. One of my girls has already gotten hurt by falling when she was trying to climb out of the crib after naps (one of my girls has it down, and her sister tries to copy but isn’t quite as adept at it yet). The life insurance thing is pretty important, too! Basically, I think all of these things need to happen. Maybe not today, but soon.

Fortunately, this month should be much better financially than last month (knock on wood), so I’m hoping that we’ll have a larger budget to work with when I’m allocating all of these expenses next month. But each dollar spent on these items is, necessarily, one less dollar spent on debt payments. And I look ahead toward the holiday season with worry. Ideally, we’d start buying a few gifts here and there so as to alleviate the financial burden of Christmas in the month of December, but it already looks like October is going to be a bust, so we can’t even think about Christmas gifts until November/December. Or perhaps Christmas gifts just get slashed from the budget this year entirely? One thing’s for sure – it’s gonna be a tough couple of months ahead.

What would you do? Put off all purchases until October? Try to hold out on the pants? Maybe ghetto-rig the crib conversion somehow for the time being? Maybe I can go donate plasma to make some extra money (I half-joke, but I have totally donated plasma in my younger days as a way to supplement my income. If you didn’t know, it’s a real thing you get paid real money to do…)


A Second Opinion Can Change Everything!

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For any new readers out there (hi!!!) this is now my third or fourth post about dentistry/dental health in just a couple months. Our family has been plagued with dental issues as of late (see dental-related posts here, here, and here).

To be fair, husband’s issues were not new nor were they surprises. But mine were definitively unexpected….

Remember when I went to the dentist a couple months ago?

Well the x-rays turned up a “fun” little surprise. My front tooth is dead. Yep. Apparently at some point (could have been years ago as a child) I must have been hit in the mouth hard enough to kill the root in my front tooth.

When I went to the dentist he said the gums look good (no disease or abscess), but the tooth would continue to darken over time (eventually turning black if nothing was done) and would need to be replaced. His suggestion? A porcelain veneer. But, of course, I don’t want to do my one front tooth by itself – that would just look silly and out of place. I would need to do at least the front two, though it would be better if I just did the front four or six.

No worries!, said the dentist.

We’ll get you a quote printed right up! We’ll even give you a discount! *smiles*

Well that sounded downright ridiculous. Everything I googled said that a dead tooth required a root canal (since there’s often infection) and a crown. NOTHING even so much as MENTIONED a porcelain veneer.

I got on a little facebook Moms group in my neighborhood and asked for dentist suggestions. Someone recommended a little family-owned and operated dentists’ office within walking distance of my home (I’ve walked by it to go to the park many times and never even noticed it!)

WOW – what a difference a second opinion makes!

This dentist said it was perfectly fine to simply take the “wait and see” approach. Since there’s no sign of infection an immediate root canal is not necessary. Of course, should infection occur in the future I would know it by a number of signs (pain, sensitivity), and would need to have a root canal at that point. But infection is not imminent. It could never happen! So I just need to be mindful of potential signs of infection and we will have a front tooth x-ray done every couple years to make sure everything still looks good. Easy-breezy!

Also recall that since my last dental appointment I also chipped my back tooth. The dentist said it’s a relatively small chip but does need to be filled in to prevent decay from setting in (I’d googled this in advance and this is precisely what Dr. Google had recommended, too).

I scheduled an appointment to have a filling done next week. The cost is $190, but they will give me a 10% discount (= $171). The quote from Nogales, Mexcio my husband had received had put fillings at $100 each, so I think $171 is a fair quote. What’s more? They gave me the day’s appointment for free! Even though they’d had to re-do some of the x-rays (the old office had only sent over the Panoramic photo), and the dentist gave me a full examination, they said today would be considered a “consult” and would be no cost!!! I was anticipating spending at least $100!

So I think I’ve found our new family dentist!!!

On my last dental post I’d asked if we should consider getting actual dental insurance. I hate it because its very expensive and there’s a long “wait period” for many of the services (basically everything my husband needs, for instance, would have to be a 9 month-1 year wait). I understand why they do this, but it’s still annoying!

Booo! Buy dental insurance or no?

I’m leaning toward putting it off until after the car is paid in full. I just really, really want that car debt gone and want to avoid taking on additional monthly payments until after it’s been eliminated. What do you all think?