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Should I finance my liposuction surgery?...
Don't you just hate it when people answer your questions with, "Maybe..." Personally I don't appreciate that particular answer to my questions.
But sometimes unfortunately the truth hurts (at least it isn't always comfortable)...
And the truth is that financing just isn't for everyone even if you really, really want your plastic surgery procedure.
Now, if you are able to finance your liposuction surgery without a huge negative impact on your credit, bottom-line, or cash-flow then financing may be an option for you.
But depending on the financial burden extra debit will put on your monetary circumstances you may not want to finance your liposuction surgery. In that case you may want to try alternate methods for raising the capital to fund your surgery.
For many people the drive to get any sort of plastic surgery procedure isn't financial it's emotional. So, many of you may be willing to live with significantly more debt and less cash in your pocket to feel new and improved.
There just isn't a "Yes" or "No" answer to liposuction financing. What I can say is that when it comes to credit cards, you should proceed with a great deal of caution.
Liposuction Financing: Answer #1
If I decide to finance my surgery what should I be looking out for in terms of getting the best credit deal/getting ripped off?
Here are just some of the reasons why you may want to think twice about liposuction financing. The list below gives you just some of the negative practices that today's banks, and lending institutions are practicing:
I would like to say that these practices are not common. I would like to tell you that most credit card companies try their best to look out for the interests of their customers.
I would also like it if money grew on trees... We can't always have what we want.
The harsh reality is that most credit card companies are set up to rake you over the coals. You would be hard-pressed to find even a single one that doesn't subscribe to some of these tricky, deceitful practices listed above.
Liposuction Financing: Answer #2
Much better than credit cards is paying in cash.
But I don't have the cash... that is why I was considering credit in the first place!
My goal here is get you to delay gratification just long enough to perhaps consider some alternatives to liposuction financing or credit cards:
These are just of few of the many great ways in which you may be able to afford a plastic surgery procedure. Get creative. Come up with more ways in which you can take control of your finances and reward yourself for doing it with a plastic surgery procedure a few years down the road.
Liposuction Financing: Answer #3
I want to say you should come up with the entire amount in cash. It is much better not to finance your surgery. But how many of us have thousands of dollars sitting around awaiting a purpose.
That just isn't realistic for the majority of us.
So, the next best answer is to come up with as much cash as you possibly can. The more in cash you come up with the less you have to finance. A good rule of thumb is to save as much as you can for your surgery for at least one year prior to your surgery date.
What you want to do is to determine what the monthly payment will be for your cost of surgery and try to save that amount each month for one year before you actually have the surgery.
After the Wall Street and Bank debacle in the United States there are fewer companies willing to finance loans and issue credit cards with favorable terms for the borrower. To put it another way the credit market really sucks right now.
Truly good deals are pretty scarce...
So, you are more than likely going to be agreeing to something that is not favorable to you financially. Most of these credit cards also reserve the right to change your agreement with them at any time with little warning to you.
Make sure you're going forward with financing for the right reasons.
Simply put, liposuction financing is definitely not for everyone. I would even go further out on the limb and say that financing your plastic surgery should be a last resort - at best - for most everyone.
Triggs, Charlotte, and Thailan Pham. "Plastic Surgery for Real People." People Weekly 16 June 2008: 109. General OneFile. Web. 30 Nov. 2009.
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