With the spiralling cost of health care in this country, a majority of people have a tough time paying for basic care like a trip to the dentist or basic medications. The idea of plastic surgery to most Americans seems outrageous, even though a good number of folks would love to have work done if they could afford it. This has left thousands of women scrambling for any way possible to pay for the surgery they want. While only one of the following ideas is recommended, here is a list of various breast augmentation financing options that are easily available today.
Credit Cards
The first, and most obvious, breast augmentation financing option is to use a credit card. Granted, you would have to be pretty desperate to run up one of your credit cards for breast augmentation surgery, but every year, thousands of women do this very thing. Since credit card companies from coast to coast have begun getting even more aggressive than normal when it comes to jacking up interest rates and changing terms at the drop of a hat, you are putting yourself into position to be in debt for the rest of your life for breast augmentation surgery. This is one breast augmentation financing option you should avoid at all costs.
Bank Loans
Although getting financing for your operation through a bank may seem silly, more and more professionals are doing just that. If you can convince the bank that the breast augmentation cost associated with your surgery directly impacts how much money you make, you may be able to get a small business loan from your local lender. If you work in an industry where your breasts help you to make money, this idea is far more logical than most people think, and the interest rate is sure to be better than any credit card.
Hospital Financing
One funding option you want to avoid no matter what is hospital or direct doctor funding. You think the terms of your store credit card are bad? Check out the terms laid out by most hospitals. These types of financing loans aren’t bound by the same controls that stop credit card companies from charging you 30 percent interest. Unless you are able to pay major chunks of your bill each pay period, you should look for other ways to fund your breast enhancement surgery. It is simply too easy to fall into a hold of debt you may never crawl out of.
IRS
If you check with your accountant first, you may be able to use your surgery as a tax write off. You will have to prove to the Internal Revenue Service that your surgery was an investment in your earning potential, which may be easier said than done. Add to that the fact that you will have to have the cash up front to pay for the surgery since you won’t be seeing your rebate until the next year. Whatever you do, don’t assume that you will be able to use your surgery as a write off unless you have some kind of guarantee from a tax professional first.
Online Financing
One avenue that many women are exploring is online financing. The Internet has opened up a whole new way to finance anything at all as online only banks sprout up overnight. However, in your rush to fill out your instantly approved online application, you may want to check to see what the terms are that you are agreeing to and that the online bank you are using is, in fact, legitimate. A simple search engine query will easily clear up any questions you may have since, chances are, you wouldn’t be the first person to fall for their sales pitch. An ounce of prevention is worth a pound of cure.
Family Loans
If you happen to have a family member that is doing well or you have someone that makes family loans, you may want to borrow the money from someone in your family. Make sure the terms of your agreement are written up and that an actual contract is signed. Borrowing money from family members can be dangerous when you consider that money has broken up many a family before. If you feel that breast enhancement surgery is absolutely vital for your continued success in life, there are worse options on the board than this one.
Saving Money
The only option here that is actually recommended is to save the money yourself and get the surgery you need when you have the cold, hard cash in your account. Try setting a certain amount apart with each cheque so that, in a year’s time, you have a nice little nest egg. Even if you do have the cash on hand to have surgery tomorrow, make sure you do your research on which doctor to choose, otherwise, you may be pouring your hard earned cash down a bottomless pit.
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