8 Brilliant Tips for Balancing Work and Family for Working Moms

work family balanceDo you feel like you’re always stressed out? Unable to perform at the level you’d like at work? Guilty about being away from your kids at home?

You’re not alone! It’s a difficult time for being a parent. The tricky art between balancing work and family can be challenging for mothers with the best intentions.

However, there are a few strategies that can make restoring the balance simpler. Let’s get into what all mothers need to know.

Stay Organized With A Schedule

Whether it’s digitalized or on paper, keeping a schedule is one of the easiest ways to stay sane in managing your work-life balance. Relying on memory alone is a surefire way to forget something important.

Today, there is no excuse not to stay organized. In fact, many tools and apps allow parents to seamlessly and quickly add, delete, and modify daily schedules.

Each week, take a moment to gloss over your to-do list. When you get up in the morning, take another moment to scan over the responsibilities for the day. Highlight the ones that are most important.

Remember this: your schedule is only beneficial if you actually follow it! Make sure it’s in a visible place for everyone who needs to see it.

Hone Down Your Priorities

Even if you’re the world’s most flexible mother, you’re not going to get everything done in one day. That’s okay! You’re only human, right?

It’s essential to master the art of identifying and implementing your priorities. Fortunately, this is an easy practice to learn.

Commit to starting each day by looking over your schedule. Identify the things that must get done (as in, there will be consequences if you don’t do them), the things you’d like to get done (these are secondary to the musts), and the things that can wait for another day.

Aim to tackle the hardest tasks first. That’s when you have the most energy and motivation. After charging through those, you’ll have a sense of accomplishment and the rest will feel like a breeze.

Delegate Tasks Whenever Possible

Even if you feel like you can do it all, there’s no reason you should. That’s not healthy for you or anyone in your family.

Sit down with your partner and delegate an appropriate division of tasks and chores. It doesn’t have to be completely split down the middle (as that may not be realistic), but having a clear understanding for what each of you is responsible for makes it easier on everyone.

And don’t forget to get your kids involved! Most children want to help around the house, and you’ll be teaching them responsibility later in life by giving them assignments and tasks now.

Streamline Your Chores and Errands

Most mothers are masters at multitasking, and for a good reason. As a mom, you need to be able to juggle several tasks at one time- without getting flustered.

Think of how you can take advantage of multitasking while doing your ordinary chores or errands. For example, can you cluster all your errands into one shopping trip? Can you do the dishes while running a load of laundry?

Stay consistent with your chores and errands. Assign them with a specific date and time. The more consistently you can follow this structure, the faster you’ll get at executing them.

Streamline Night-Before Tasks

Before you get into bed every night, get as much done as you possibly can to prepare for the next day.

That means making lunches and breakfasts, running that load of laundry, picking out a clean outfit for the next day, signing permission slips, etc. Starting your day on a frantic note is a recipe for anxiety.

If you can transition into starting your day more peacefully, you’ll feel more calm and collected.

Outsource if Possible

Some would argue that parenting takes a village, and those who outsource their tasks would agree with this sentiment.

Whether it’s hiring a babysitter for a date night out or using a maid once or twice a month, it can be worth every penny to outsource extra labor. Even a meal-ordering service can go a long way for your peace of mind.

Think of it this way: how much do you value your free time? How much are you willing to spend financially for your emotional health?

Set Boundaries With Technology

Did you know that the average person spends a staggering 10 hours in front of a screen each day? Even if you don’t feel like you have extra time, chances are, you can probably cut back on some of your technology use.

Next time you’re trying to squeeze in a Netflix show or scroll through Instagram for the third time, consider what you could be doing instead.

What about taking the kids to the park? Using that time to catch up on some late work? Squeezing in quality time with your spouse?

Many parents find that setting limits and boundaries around their technology use makes it easier to stay present and enjoy the people and things that really matter.

Practice Flexibility

At the end of the day, you don’t need to be a supermom. That’s unrealistic and unhelpful. Instead, it’s important to practice kindness and compassion towards yourself- no matter what you do or don’t accomplish in a given moment.

Practicing flexibility and learning how to roll with the punches is one of the best ways to manage work-life stress. Taking on this mentality is also a great way to model healthy coping with your young ones.

Final Thoughts on Balancing Work and Family

Balancing work and family will never be a perfect science, but it doesn’t need to be! With the right tips for balancing work and family, you can feel like you have it all- without needing to give it your all.

Are you interested in learning more helpful parenting and family tips? Be sure to check out our blog!

7 Ways to Buy Cute Clothes for Girls Without Breaking the Bank

cute clothes for girlsMoms spend more time and money buying clothes for their children than they do for themselves. The average back to school clothing expenditure per child per year is $131. That adds up!

Part of the problem is that there are so many cute clothes for girls. Gone are the oversized t-shirts and culottes of yesteryear. Girls go to school in moto jackets and tunic sweaters, chambray shirts and leather boots, and jeans in every cut and rinse available.

It’s easy to go overboard.

There are better ways to shop for your kids than succumbing to every impulse buy. Here are seven tricks for filling your daughter’s closet without going broke.

1. Borrow the Big Stuff

Some of the biggest ticket items are the pieces that only get worn once. A flower girl dress and shoes for a wedding, Christmas clothes, and snow pants. Borrowing these low-use items from another family saves you money and gives the clothes another life.

There are also places you can rent dress clothes, whether brick and mortar or online. Not only will you outfit your daughter more economically, but you also won’t have to face a wasted investment every time you open the closet.

2. Swap It Out

Reusing other people’s stuff is a great way to acquire affordable kids clothes. In the era of fast fashion, it also helps the planet by keeping clothes out of landfills.

Organize a swap among your friends or moms from sports and school. Spend a couple of weeks collecting items. Have moms drop clothes off at your house so you can sort them by size and style.

On swap day, it’s a free-for-all, and everyone takes what they need.

Keep an eye out for swaps or clothing bazaars at churches. It’s a similar concept on a much larger scale. They often have tons of gently used baby gear, too.

3. Buy Second Hand

Kid clothes can either get worn to pieces or not used much at all. Kids are picky and choose their favorites based on criteria parents don’t even consider. Shirts might get overlooked for itchy tags, pants get rejected for being too stiff.

Meanwhile, your daughter wants to wear the pilled pony dress every. single. day.

But what’s frustrating for one parent is gold for another. Those unused clothes end up at consignment shops like Once Upon A Child, where you scoop them up for a great deal. You’ll find like-new shoes, girls plus size clothing, and every Halloween costume imaginable.

You might even find a fresh replacement for your daughter’s favorite dress.

4. Shop Next Season

If you can think beyond the daily mom grind and prepare for the future, you’ll save a lot of money buying clothes offseason. Stores have to clear out seasonal stock regularly, which means you’ll save big.

Anticipate your daughter’s growth and buy jackets as they go on sale in Spring. Buy up shorts once there’s snow on the ground. Get in the habit of buying for next year at the end of every season.

Store your haul in clear plastic bins so you don’t forget what you’ve got. Make sure to label them by size and age, and switching out your kids’ closets is easier than ever.

5. Wait for Sales

Stop buying clothes at retail prices. Chances are there are similar cute children’s clothes on sale or even on clearance. You can save up to 70% sometimes.

Target has a regular schedule of sales, especially on holiday branded items. A Valentine’s sale could earn you a peplum top decorated with hearts, which can be worn long after February 14th. Sweaters with snowflakes might go on sale after Christmas but will stay in fashion all throughout winter.

Old Navy is always having store-wide sales. Stock up on essentials when they’re half-price. Always check the clearance racks. Some items get moved to clearance because they’re unworn online returns.

6. Get Less

If you buy less, you’ll spend less. It’s as easy as it sounds.

Instead of buying a pair of leggings in every pattern, get a handful of more basic styles that go with anything. Limit yourself to items that mix and match. If everything goes well together, it reduces the chance of garish, clashing kid-picked outfits.

When your daughter dresses herself, you won’t feel the need to make that disclaimer on your Instagram posts.

Get the most out of what you spend money on. You’ll get every penny out of a pair of shoes your daughter wears until they’re worn out. Invest in three good pairs: a boot, a gym shoe, and a dress shoe.

Size up on items like pajamas and jackets. They’ll last for years, and it doesn’t matter if they’re loose-fitting. Those bedtime bellies will stay covered longer, and you won’t have a stack of coats to sift through at the beginning of winter.

Spend more on neutrals that can be passed between sons and daughters. There are plenty of options all of your children will be happy to wear.

7. Go Online

Your favorite store probably has an Internet presence. You can shop for sales online to access more sizes. Sometimes stores even run exclusive discounts online.

Have the items shipped to your local store to avoid shipping fees. Many websites offer free shipping with $50 purchase.

Amazon rolled out their Prime Wardrobe service with free returns or exchanges. The selection is vast, and prices are low. You’ll have to pay attention to reviews and size charts to make sure you know what you’re getting.

The best online deals happen midweek. You can save around 40% by finding Wednesday sales. Consider setting up an Ebates account for added savings or buying coupon codes.

Websites like ThredUP sell gently used clothes at significant discounts. A search on eBay for clothes NWT (new with tags) will get you a deal on brand name clothes.

There are also wardrobe curating sites for kids, similar to Stitch Fix. You’ll get a monthly box of girls clothes put together by stylists. If you decide to keep the clothes, you’ll save 30% off list price, or you can return the items at no cost.

Get Shopping for Cute Clothes for Girls

Now that you know the tricks, shop smart for cute clothes for girls. Borrow what you can, think ahead, and don’t overbuy.

Affordable kids clothes are just the start. You can save money everywhere. Find more tips for saving money in our Frugal Living section.

Small Wedding Bands: What to Consider to Find the Right One

small wedding bandsYou’re getting married! That’s exciting news! But now you’ve got a wedding to plan. And that means that there are a million details to plan and take care of. You have to book the wedding venue, the caterer, order the invitations, and the list goes on and on.

Don’t forget the wedding band! Not the kind for your finger, silly, the one that will keep the party rocking while everyone dances the night away.

Believe it or not, there’s plenty to consider when looking at small wedding bands. After all, not all bands are the same, just as not all wedding are the same. Let’s take a look at some things to consider before booking a musical act for your big day.

Small Wedding Bands: What to Consider to Find the Right One

Are you getting married? Congratulations! Before looking for small wedding bands for hire, be sure to consider the factors here.

What’s Your Budget?

Before you starting shopping around for a band to play at your wedding, you’d better know how much money you have to spend on music. The bigger your wedding budget, the more options you’ll have. And make no mistake, good bands generally aren’t cheap. So take a look at the numbers and decide how much you have to work with.

Do Some Research

Do some research online, and then start making some calls. Talk to your wedding planner and get some references. Talk to local bars and clubs that host a lot of live music. These are great sources for finding out the names of some good local bands. You’ll be surprised how much you can learn just by calling up and asking.

Decide What Kind of Band You Want

Keep in mind that the type of music you want will have a huge impact on the energy of the party. Hiring someone to sing Frank Sinatra tunes will be much different from a party band that plays 80s hits.

Knowing the kind of music you want will make searching for the right band much quicker and easier. Some bands play a wide range of covers from a variety of styles and eras, which always makes for a great party.

Ask Lots of Questions

Once you’ve narrowed your list, it’s time to make contact. You’ve gathered a few names and numbers, so now you need to reach out and talk to them.

Before making those calls, sit down and make a list of questions. You need to find out if they have a general playlist they like to work from. Do they take guest song requests? How much do they charge and how many hours will they play for that price? How many performers are there and what do to they typically wear?

This is an important conversation and should give you a good idea of what you can expect on the day of the event. And once you’ve narrowed it down to your top two or three bands, call around to other venues where they’ve performed and ask about those experiences.

To see a great source for booking live entertainment acts check out Alive Network.

Try to See Them Perform Live Before Hiring Them

Most small wedding bands also play other events as well as regular local gigs. This is a great opportunity to hear them live before booking them for the wedding. See how they perform live, the quality of the music, how they interact with the crowd, the kind of energy they bring.

And if you can’t manage to make it to a live gig, see if you can find any live performances on Youtube, or if they have a website with video samples from live performances.

How Far in Advance Should You Book Them?

The short answer to this question is, book the band as soon as possible. A good wedding band is likely going to be in high demand and will get snapped up quickly by another event.

Once you’ve set the date for your wedding, you’ll need to book everything needed for that day ASAP. Keep in mind that venues, caterers, and entertainment options go fast, so don’t risk losing your first choice by hesitating.

The best thing to do is call the band at the top of your list and have a conversation. Let them know your intended date. This way, even if they are booked for that date, they might be able to move some things around on their schedule in order to accommodate your wedding.

Things to Consider Before You Sign the Contract

Before officially booking the band, give some serious consideration to the fact that your wedding is one of the most important days of your life. It’s a momentous event that takes lots of planning, and where many of your closest friends and family will be gathered to celebrate.

Thus it’s important to know the band you hire is going to show up as scheduled. Can you trust them? Here are some red flags to watch out for:

  • Do they offer a contract and require a deposit?
  • Are they easy to reach by phone or email or return calls promptly?
  • Do they have a high turnover among band members?
  • Do they ask any questions about the event or what you expect from them?
  • Will they bring all of their equipment or is there something you’ll be required to furnish?

Final Details to Consider

The size of the venue also impacts the band size of the musical act you book. You’ll also need to consider the layout of the room, as well as power sources the band will need to plug in their equipment.

Get The Party Started

There’s nothing better than a party with a great band, with everybody dancing and having a great time. Small wedding bands can take a memorable experience to the next level.

Wedding band costs might seem expensive, but ultimately it’s money well spent when you consider the priceless memories that will endure for a lifetime.

Click here to learn 10 essential tips for buying an engagement ring.

Smarter on a Budget: How to Educate Yourself Without Expensive Classes

how to educate yourselfWould you like to know how to educate yourself without spending thousands on a college degree?

We are fortunate enough to live in an era where we have access to any type of information we want at our fingertips.

You can take a class from Harvard in your living room. You can learn Spanish from the University of Valencia. There are few limits as to what you can learn. You just have to know where to look.

Read on to learn how you can get a world-class education on your own.

Is a College Degree Worth It?

That’s a question many students are asking themselves as the student loan burden increases and college graduates are leaving college with an average of more than $37,000 in student loan debt.

The heavy burden of these loans make it difficult for graduates to buy a home, have kids, or have disposable income.

It’s the same if you’re considering an advanced degree. The costs of attaining a master’s degree or above will put your financial goals on hold for years to come.

Fortunately, there are plenty of options to expand your knowledge if you don’t want to go back to school.

Ask Yourself These Three Questions

When you’re starting to figure out how to educate yourself, you want to ask yourself three basic questions.

  • What do you want to learn?
  • How much time can you realistically devote to learning each week?
  • Why do you want to learn it?

Knowing what you want to learn and how much time you can devote will help you find the right education program that fits your needs

Why you want to learn more about a particular topic might be the most important question.

Do you have a hobby that you’re interested in, like gardening? Would learning a certain skill get you a raise? Maybe you’re looking at a career change.

There are many reasons why you want to educate yourself. There will be days when you want to put studying off but knowing why will help you stay motivated and disciplined.

How to Educate Yourself

Do you know how fortunate you are to live in this age of information? Some days, it might not seem that way, but you really are lucky. Just 15 years ago, your only option for self-learning was either going to the library or sitting in a classroom.

Today, there are more options than ever before. Let’s take a look at the top resources you can check out for yourself.

EdX

Did you know that you can take classes from major universities around the world for free? EdX offers classes in business, technology, AP level language classes, and so much more. Classes from the top universities around the world participate in EdX.

YouTube

YouTube is great to educate yourself on home improvement topics like how to unclog a drain or how to change the oil in your car.

You do have to be wary about other topics, like learning how to workout or nutrition. There are a lot of ‘experts’ out there who are peddling bad advice. It’s up to you to sift through the good and the bad and find out what information is the most accurate.

Lynda.com

Do you need to learn a skill to give your career a boost? Lynda.com from LinkedIn is a great place to start. Courses in software development, programming languages, photography, graphic design, and business are all found here.

When you go through these online courses, it’s important to remember that you’re doing this to learn something.

Old Fashioned Books

Yes, it’s funny to call books old fashioned, but in a sense, they are forgotten tools for learning. If you want to learn more about entrepreneurship, read biographies of greats like Steve Jobs or Walt Disney. You’ll learn more about business than you will in B-School.

History books are another valuable resource to give you insight into how our world works. They’re also interesting to learn how wars started and how our culture has evolved into what it is today. Find out more for the top history books that need to be on your list.

Have Self-Discipline

Do you want to know the key factor in how to educate yourself?

It starts with you. It doesn’t matter what methods you use to educate yourself, you have to have the discipline to learn and master your topic.

For example, if you want to learn a language, you have to set up a daily schedule. You also have to set up a structure to learn.

It’s more challenging than it appears because you have to stick with it. There’s not a professor that’s going to hold you accountable. You have to find a way to do that.

If you’re going to teach yourself a language, or how to play piano, or whatever your topic is, you have to carve out time in your busy schedule.

When will you study? Will you create a time for class to watch videos online? What about in between video lessons? How often will you practice what you’re learning?

There are a couple of ways to break this up. For example, if you’re learning a language, you might want to break your learning up in two 15-minute blocks of learning a day. For other topics, you may devote an hour of study a day.

You can set up your structure in a way that works best for you. You just have to do it.

You Can Teach Yourself Anything You Want

With the exception of getting a medical degree, you can teach yourself just about anything you want.

When you know how to educate yourself, your word becomes much bigger. You are exposed to a wealth of knowledge that can create opportunities in your career and personal life.

The best part is that with a lot of these programs, you just need a device with an internet connection. You get all of the benefits without the weight of student loans

For more great thrifty tips, check out these frugal living articles.

Engagement Rings 101: 10 Essential Tips for Buying an Engagement Ring

tips for buying an engagement ringThe average couple spends almost $6,000 on an engagement ring, making it one of the most expensive purchases you will make in your lifetime.

But too many people end up overspending on rings that aren’t worth what they paid. Don’t let a crooked jeweler take you to the cleaners.

Check out these tips for buying an engagement ring and learn to make the best selection for your budget and bride.

1. Think Classic, Not Trendy

When you are selecting a wedding ring, you have to remember that this is something that you will be wearing for the rest of your life. Don’t go for the latest trend unless it’s exactly what you want.

Choose a ring that has meaning for you won’t go in and out with trends.

2. Spend for the Right C’s

Most people know that when you are shopping for a diamond, you should pay attention to the cut, color, carat, and clarity. The nicer those are, the more expensive your ring will be.

For the average person, buying a stone with no imperfections, perfectly cut, clear, and of any carat will be out of the budget. So focus your attention on spending your money in the right areas.

The thing you should consider the most is the cut of the stone. That’s what is going to make it catch the light and give off a great shine.

Next up, you should consider the clarity. While you don’t need a perfectly clear stone, if you want a good sparkle, you need the light to reflect through it well.

Next should come the carat, you need to choose something that makes sense with your chosen setting.

Finally, you should consider the color last. To the naked eye, with a high-quality cut, most diamond color differences will be hardly noticeable.

3. Source Your Stone Properly

Jewelry can be a shady business. Between warlords with blood diamonds and shifty store owners who mark up poor products, there is a lot of opportunities for you to do business with the wrong person.

Make sure you go to a jeweler that has accreditations and good recommendations from previous couples. Also, make sure your stone has been certified and ask to see the paperwork as well as the matching inscription on the diamond.

4. Consider Your Setting First If Possible

While it’s nice to have a very high-quality stone, in actuality your setting will have a bigger effect on the overall look of your ring. Make sure you choose a setting that allows light to get in behind your diamond so that it can shine its brightest.

By choosing the stone secondarily, you can pay for one that fits perfectly into your chosen setting and use the remainder of your budget on it. The last thing you want is to buy a gorgeous diamond, only to find it won’t work for the setting style you fell in love with.

5. Don’t Be Afraid to Take Your Own Path

It used to seem that every woman wanted a diamond for her engagement ring, but this day and age women feel more empowered than ever to make their ring match their personal style.

Instead of spending thousands on what you think your ring should look like, take a look around at some of the more unique options on the market. Many couples like getting wooden rings, morganite stones, rose gold, and more.

6. Don’t Get Overcharged

In a jewelry store, rings can be marked up as much as 5x the price they are worth. And unfortunately, if you get taken advantage of, there is little you can do to remedy the damage. Make sure that you take your time when you buy a ring.

Go to multiple stores and then take time at home to do your research and find out what the rings you saw that day are really worth. That way, even if you still want to buy the in-store ring, you will be on a firmer foundation to negotiate.

7. Make Sure There Is a Good Return Policy

While you hope that the ring you choose is a hit, sometimes you miss the mark and need to take it back. Be sure that the store you choose to shop at has a good return/exchange policy. While you may not want to think about that now, it’s important.

8. Choose Your Metal with Care

Most women choose to buy engagement rings in gold (white or yellow), silver, or platinum. While it’s nice to choose your metal based purely on appearance, you also need to consider your lifestyle and how durable your ring needs to be.

If you really like the look of a platinum band and are considering spending more for that metal, you may want to rethink it if you have an active lifestyle. Silver is a lot more durable of a metal and will stand up to scratches, while your platinum ring would need more upkeep.

9. Don’t Break Your Budget

Marketers have told the American public that men should spend three months of their salary on an engagement ring. But in actuality, that’s all a racket.

Spend what you can afford right now on your engagement ring and save some money for your honeymoon. The last thing you need is to go into a new marriage with a lot of debt over your head. Stay within your budget, you can always upgrade on a later anniversary.

10. Order Way in Advance

When you order a wedding ring, even if it isn’t customized, it can take a while to come in. Make sure you place your order way before you plan to have the proposal. Two months should ensure your ring arrives on time.

Summarizing Tips for Buying an Engagement Ring

When you buy an engagement ring you should order in advance, do your research, and stay on budget. Choose a quality, durable metal and don’t overthink the 4 C’s of diamond buying.

Now that you have read these tips for buying an engagement ring, you’re ready to make a purchase that rocks! (Pun intended.)

For more helpful articles, check out our blog today.

Chuck the Church: 5 Ideas for Inexpensive Wedding Venues

inexpensive wedding venuesYou can’t wait to walk down the aisle and marry the love of your life in a few months.

But that doesn’t mean you necessarily want it to be a church aisle. And that’s okay.

In fact, research shows that just 26% of people had their weddings in religious institutions in 2016.

If you’re not fussed about a church wedding, there are plenty of other options. Here’s a rundown on five great inexpensive wedding venues that you could go for.

Let’s get started!

1. Inexpensive Wedding Venues Include Your City Courthouse

If you’re serious about saving on wedding costs, you can’t go wrong with meeting your bride or groom at the courthouse.

A civil ceremony held at a county clerk’s office or a city hall costs a relatively small fee — typically under $100. In fact, in some areas, they are even free.

Keep in mind that courthouses usually limit attendance to between five and 10 guests, though.

2. A City Block

Have you ever thought about hosting a block party as a way to celebrate your big day?

This isn’t exactly a conventional approach to getting married. But if you and your spouse are known for being outside-of-the-box thinkers, your guests will absolutely love it.

With a special event permit costing a few hundred dollars, you could close off one of a city’s streets and then get married. At your marriage ceremony, you could throw a barbecue or even hire some food trucks.

Note that you might need some extra licenses or permits if you plan to serve alcohol and food.

3. At Your Own Home

If you want your wedding to be as close to free as possible, throwing a low-cost ceremony at your house is a smart idea.

In this situation, the only things you’d have to worry about paying for are decorations — such as floral arrangements — as well as dinnerware, chairs, tables and other items you might not have and can’t borrow from family and friends.

4. At the Beach

One of the most romantic yet inexpensive places to have a wedding is on the beach.

An example of this type of low-cost, scenic venue is the secluded Fisherman’s Cove available through the Long Reef Golf Club in Australia. This is one of the most talked-about wedding venues Sydney residents can enjoy due to its wonderful photo opportunities along beaches, at a lush golf course and in front of rock outcrops.

5. Museums and Libraries

Let’s say that you and your significant other are both book lovers. Or maybe you had your first date at a museum.

Why not have your wedding in a library or a museum? This would allow you to enter your marriage surrounded by artifacts, books, and art.

Both museums and libraries — especially ones that are tinier or are not sought after as much — tend to have relatively smaller price tags.

How We Can Help

In addition to highlighting inexpensive wedding venues, we offer tips and advice about how to be more frugal in a number of other ways.

Take a peek here to find out more about how you can save money and thus enjoy a better quality of life for the long-term.

How to Pay for Plastic Surgery: Tips and Tricks

how to pay for plastic surgeryDeciding to get plastic surgery means you have to be both mentally and financially prepared. Maybe you’ve got the right mindset, but you don’t exactly have the cash. After all, if Americans spent $8 billion on plastic surgery in 2016, there have to be alternative ways to pay for it, right?

That’s exactly right. If you’re wondering how to pay for plastic surgery while still being thrifty, you’re in the right place. Here are some tips and tricks that’ll help you save money on your procedure:

Take Out a Loan

You might dread the idea of taking out a personal loan due to potentially expensive interest rates and payments, but you should still consider financing your plastic surgery with it. If this is your first loan, it can actually improve your credit score–you just have to make sure that you make each payment on time.

For a lower interest rate, think about getting a secured loan instead. The bank will give you money in exchange for a piece of your property, like a car or house. However, if you fail to pay the bank back you’ll lose your collateral.

Use Plastic Surgery Financing

Many clinics offer plastic surgery financing. This allows you to pay for the surgery in a series of monthly payments. For instance, if you’re getting breast implants, your clinic might offer you a reasonable breast implants payment plan.

Cosmetic surgery financing is a lot easier than taking out a loan from a bank. Better yet, if you’re credit score is good enough, you won’t be stuck paying a high interest rate. You may even be able to get a period of no interest, which will help you save big on extra costs.

Check For Specials

Some surgeons will even allow you to take advantage of specials. For example, a clinic for cosmetic surgery in Perth, Australia gives you a voucher for referring a friend. Other clinics offer specials on certain treatments if you’re signed up to their newsletter.

Always check your practice’s website before your procedure to find out about any special offers.

Pay With Cash

If you’re able to afford to pay in cash, you should. There are clinics that will give you a small discount if you pay in cash.

As different cosmetic procedures have varying costs, there might be some that are reasonable to pay for in cash. Consult your clinic’s patient coordinator to learn more.

Consider a Medical Credit Card

Using a medical credit card is a popular way to fund cosmetic elective procedures. It’s used solely for medical costs, and can also finance cosmetic surgery. Medical credit cards can actually control your spending habits–you won’t have to worry about overspending on other non-medical expenses.

If you’re concerned about the additional costs, you’ll be happy to know that some medical credit cards come with low interest rates and payment plans.

Choosing How To Pay For Plastic Surgery

Learning the different ways how to pay for plastic surgery can save you tons of cash. Any of these methods can take the weight of a huge medical bill off of your shoulders. Still, you should never risk the quality of your procedure just for a cheaper cost.

To learn more thrifty money-saving tips, check out our blog.