Money - Dentist

So Curtis is not getting as much money back from his loans as I originally thought.

I asked him the other day if he would mind for us not to get married just yet and pay for his teeth out of pocket. I told him I understand that if getting married is the only way we can fix his teeth that I would understand but I really would like a wedding. So right now we are still not getting married and we are trying to come up with around $6,500 to pay for his teeth. Now I think we are well withing our means to be able to do this its just a matter of how much of it do we want to try and finance and through what company.

I think he should go to our bank at Suntrust and see if he can get a decent sized credit card there that has free interest for like the next 12 months so we can pay the whole thing off before interest hits. Right now he has one card but the limit is a whopping $500 (it actually might be less). My big concern is that he won't be able to get a bigger card because of how little he makes every year. I'm worried the credit card company will not consider his loans as a part of his income. I guess we'll just have to wait and see on that one.


The Dentist also gave us the option of having everything with his teeth fixed in one big swoop and wanted to know if we wanted sedation dentistry. I think its a good idea but then we have to pay up front two weeks in advance, and fill out paper work. Another option is that we just give him nitrous but I am sooo worried about all the pain he is going to be in.


We are going to talk about how all to pay for this, one way or another his is going to get it done even if it means paying out more from my own pocket. What I am really hoping is that they give him a good credit card so he can start building credit, pay it off month by month till is next line of student loans come in, pay of the remainder with the student loans and poof we will not have to worry about the card. The only thing at that point we will have to worry about is how we are going to pay for the rest of his school if he does run out of loans over the next year.

Debt and Anxiety

This seems to keep happening to me at least once a week...

I sit down and start counting my nickles and dimes (okay mainly pennies) and it just doesn't add up. I have to pay off my two credit cards before Curtis no longer gets loans from school in which case he will have no way to pay for rent, I have to try and save $4,000-$5,000 for a wedding I would like to have sometime this year, and I need another $10,000 to fix curtis' teeth.

Now the credit cards aren't be cause I am some irresponsible slob, I owe about $9,500 total, one card was used to pay for things during my time in college and the other help pay for my gastric bypass. I have been paying slightly over the minimum on each since I have gotten the cards but stupid me keeps buying things here and there like gas for the car or a pizza. I think I am going to have to take the plunge and cut up both of the cards. Now if I continue making the same payments as I am now I will have both cards paid off in about 5 or so years... that is not in time before Curtis runs out of money. I am currently paying $160 a month on one card and $130 on another if I can reduce my monthly bill by 300 bucks I think I would be able to carry a small apartment for the both of us if Curtis can't find a full time job right away.

We are moving out of the apartments we are in at the beginning of October so yes we are WAYS off from that but I also know that Curtis has the rent paid up until that time.

So the goal is to find an apartment that can fit all of Curtis's stuff and my clothes and is in a somewhat decent neighborhood not too far away from his school or work (I work in Tampa so it doesn't much matter) all for around $650 bucks... Now I know I can get an apartment for that amount. I know I can get an apartment for that amount and have it be a good size, I am NOT sure if I can find an apartment (or house but that is pushing it) for that amount that size and in a good neighborhood. I know no matter what the apartments will not be as nice as the ones we are in now but I do NOT want to live in the ghetto. I don't want to live there because 1) its the ghetto and 2) I know I will just want to move again in a year which I really want to stop doing. (I moved almost every year since I've come down to Florida and I have been here since the 3rd grade).

Now the wedding is partially paid for, we have about $2,000 saved up, or we will by the end of this month. I applied to a telemarketing part-time position (YUCK) but I haven't heard back from them as of yet. So we will see if that pans out at all.

As far as Curtis' teeth go I think he will have to end up going to a dental school and have it done little by little because I just don't think I can handle getting into even more debt at this point.

If I could just get rid of my car too that would help. I have a 2010 Toyota Yaris that I am paying $280 a month on and another $172 for insurance.

There has got to be a way to do this I just need to figure it out. Until then my anxiety levels have been sky rocketing. I am not as sweet to  Curtis who doesn't deserve me being like that and I just overall feel depressed. Now this mood comes and goes but I am tired of it popping up almost once a week to two weeks. I just need to figure out how to make more money and make it VERY quickly. Or at least within the next few month.