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Braces on a budget: monthly payments or upfront savings?

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sarahwolf462
Posts: 12
(@sarahwolf462)
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Totally get what you're saying about monthly payments feeling like a constant reminder. I went the monthly route for my braces a couple years ago, thinking smaller chunks would be less painful. But honestly, every month when that payment hit, it felt like reliving the orthodontist chair all over again, lol. Plus, life always throws curveballsβ€”my fridge decided to die halfway through treatment (

"like my car last month...ugh"
), and suddenly those monthly payments felt way heavier.

Now I'm more on your wavelength. I set aside a little each paycheck into a "dental fund," and when something comes up, I just pay it off in one go. Hurts at first, but then it's done and forgotten. Feels way better mentally, at least for me.

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data613
Posts: 11
(@data613)
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I hear you, but honestly, monthly payments saved my sanity. Yeah, the constant reminders weren't fun, but dropping a huge chunk upfront would've killed my budget entirely. I just treated it like another Netflix subscription (a pricey one, lol). Plus, knowing myself, I'd probably dip into that dental fund for tacos or something... discipline isn't my strong suit. Guess it depends on your spending habits and self-control.

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julie_adams
Posts: 18
(@julie_adams)
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Did you find the monthly payments stressful at all? I'm leaning toward that option too, but honestly, having another bill pop up each month makes me anxious... Like, what if I suddenly need emergency taco funds too? 😂

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Posts: 17
(@breezecampbell13)
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Totally get that anxiety... monthly payments can feel like a constant reminder of another responsibility. But honestly, most of my patients find it manageable once they settle into a routine. Maybe set aside a small emergency taco fund each month too, just in case? 😂 It helps ease the stress knowing you've got a little cushion for unexpected cravings or expenses.

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jamesbeekeeper
Posts: 17
(@jamesbeekeeper)
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"Maybe set aside a small emergency taco fund each month too, just in case? 😂"

Haha, love the taco fund idea... wish I'd thought of that when I had braces. Honestly, monthly payments worked better for meβ€”felt less overwhelming. Did anyone else find unexpected costs popping up mid-treatment though?

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