Plastic Surgery - How to Afford an Elective Procedure

Plastic surgery is more popular today than ever before. Doctor's offices and surgical suites seem to be popping up everywhere, and the advertisements are abundant. You may see ads on your TV, hear them on the radio or see them on billboards or handbills. What you may wonder is how people of average means afford these types of procedures? Are elective procedures only for the rich and famous?

Actually, you may be surprised to find out that many middle class Americans find ways to afford the things they desire. Plastic surgery is one of those things that people find a way to afford. While certainly not inexpensive, there are ways to budget for this type of expense.

First of all, take a hard look at your finances. Does your family budget contain little luxuries that you might be willing to give up for a while? For example, if you typically hit the drive thru of your favorite coffee shop for a cup of coffee and a muffin, that can cost around $5.00 a day. If you were willing to skip this, you could pocket $100 a month (that's $1200 in a year). Make a few other small changes and you will be well on your way to having enough money to consider an elective procedure.

You might want to consider saving the money in a separate account. Think of it like a "Christmas fund" but for plastic surgery instead. Deposit money on a regular basis, and don't touch it. You will be surprised how quickly your savings will grow. If you invest the money in a high-yield account (if you are willing to wait a bit before you have your procedure done) you can earn interest and get a better return than in a simple savings account. If you start saving early, it will not seem like you have to wait a long time for the plastic surgery you want. For instance, if you think you may want or need a tummy tuck after you are done having kids, start saving during your first pregnancy. Then the money will be ready and waiting once you decide to proceed.

Keep in mind that many surgeons offer payment plans and various discounts at different times throughout the year. Typically they are willing to work with you, especially if you have a down payment and are willing to pay monthly. If you are considering plastic surgery on more than one area of your body, your surgeon may offer a discount on the second procedure.

Take the initiative and ask around to see if any of these types of programs are available to you.
Most financial gurus will agree that you should not shoulder an enormous amount of debt for an elective procedure. You do not want something like this to set you back financially. Planning ahead and preparing yourself financially will reduce the strain of the expense and allow you to truly enjoy your new look without worry.