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A Car or Braces

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Ok, I’m not looking at getting a car, but I have started shopping around for braces for kiddos.  Two of them are definitely going to need them, one sooner, rather than later.

A little back story, when the twins were placed with me, it was immediately obvious that one would need braces and having heard horror stories on getting them paid for, I jumped right on it.  We had no problems getting approval through his state issued health insurance at 100% BUT we were extremely limited in the service provider…only 2 within an hour of us.  We chose the easiest to get too, and got to it.

Fast forward a year and a half of almost monthly road trips to the orthodontist, pretty much a 2-3 hour chunk out of those days, and the ortho says “well, now I can break his jaw and do surgery or pull some teeth out to fix this.”  I was fed up and just said “take them off, we’re done.”  I was not happy, but was pretty much backed into a corner at this point.  That was 1 year ago now.

Present Day…my daughter is going to need braces and having lost all her baby teeth, I knew we were approaching the time and that I needed to get some hard and fast numbers to get her dad on board with assistance when he can (not to mention prepare myself.)  So this week, we did a free consult with the top rated ortho here locally, taking both kiddos.

Drum roll please….$12,000 for the two of them.  2 years in treatment for the twin and 18 months for the Princess. OMG, I could totally buy a car for that!

Now as a parent, I want to prepare my kids for their best and healthiest future and for these two, braces are necessary, this is not just cosmetic, BUT…

So I’ve put out a plea on FB to my local friends asking for any input, tricks, referrals, etc.  But frankly, I’m not sure what to do.  While there is 0% financing, it would almost be a $500 payment.

And right now, I’m super adverse to any more financial commitments.  Would love to hear from some of you if you’ve found any more affordable ways to get quality ortho treatment for your kiddos?

Preparing for Winter Weather

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I know this may not be debt related, but we are anticipating our first snowy/icey weather here in the Hampton Roads, Virginia area tonight (last night when you read this, I suppose.)  Originally it was predicted to get here today.  I stocked up last week on food/water just in case since I had a crazy busy weekend with Little Gymnast out of town meet and Sea Cadet’s drill weekend.  Feeling pretty comfortable with where we are at, but thought I’d throw this question out there: What are your must have items for winter weather?

Since I don’t drive AT ALL if the roads are hazardous, I make sure that we are well stocked on all food essentials, plus batteries, flashlights and charge all our electronics fully.  Do you have any must dos to prepare where you are?

We are blessed that we don’t get too much snow here although every year that seems to increase.  As a result of the last couple of years, we are fully stocked on snow pants, gloves, sleds, hats and other warming stuff.  I HATE the snowy stuff, I don’t mind the cold, but the snow and ice is not my thing at all.  This year I’m dreading the dog chores with snowy weather since last year we could just let them out the door…now we have to walk them which normally is no issue, but in snowy, icy, not so much.

Any tips, tricks or ideas for getting through winter?  What to keep in stock, what to ignore? I’m definitely all ears.