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organizing your personal finances to find extra money

Sometimes financial problems can be solved relatively easily. I was struggling to make it from week to week until I learned that some financial organization could change my spending habits. If you can organize your personal finances, you will see exactly where all of your hard earned money goes. You will be shocked to see how much the morning coffee and donuts cost you each month. This blog will provide you with information that can help you get your personal finances organized so that you don't have to continue struggling from paycheck to paycheck throughout each and every month this year.

organizing your personal finances to find extra money

Requirements To Obtain A Loan For Dental Work

by Clémence Moulin

Cosmetic dental work may seem like a luxury to many patients, especially those who are on a tight budget. Cosmetic dental procedures are those procedures that are not medically necessary but provide a healthy and beautiful smile to patients. There are loans and finance programs available that help patients fund their cosmetic dental work. However, many patients are not aware of these programs or do not fully understand the requirements to obtain a loan for their cosmetic dental needs.   

What Counts as a Cosmetic Dental Procedure?

Procedures are considered to be simply cosmetic when they are not medically necessary. For example, a filling or root canal is a medically necessary procedure. Porcelain veneers, whitening and closing up gaps between the teeth are not necessary to keep a patient's mouth in good health, but these procedures make a world of difference in the patient's self-esteem.

What Are the Requirements to Obtain Cosmetic Dentistry Loans?

Cosmetic surgery loans have similar requirements to other types of unsecured loans. The borrower must have a good credit score; a general rule of thumb is a score of 650 or above. Borrowers can obtain their credit score through several free and secure online providers. If the borrower has a lower credit score, they may be able to obtain a loan with the help of a co-signer. 

In addition, a borrower should have a debt to income ratio of less than 30% in order to secure the best interest rates and repayment options. The borrower should also be able to show proof of income that supports the loan and repayment requirements. 

Where Can I Obtain a Loan to Pay for Cosmetic Procedures?

There are many lenders that offer loans for cosmetic surgery and cosmetic dentistry. The best (and cheapest) bet is a local credit union or bank. There are also many online providers that finance these procedures for patients - it is important to research these companies first. Dentists and cosmetic surgeons also keep a list of loan companies that deal in this type of financing for patients, so it is helpful for a patient to speak with the surgeon if there are any questions regarding financing. In most cases, it is not a good idea to fund cosmetic surgery with a credit card, as these products have high-interest rates and can be difficult to pay off quickly because of the way payments and interest are structured.