Hello all...I just need somewhere to put my worries and fears. I do not want to burden my dh with how worried I am because he really does have enough on his plate already.
My dd is almost 4. She needs extensive dental work done and if it does not get done her speech will not improve as she ages and she will be unable to chew her food. She has really bad baby bottle mouth which is starnge because she has not been on a bottle since she was 18 months. The dentist said she has very weak enamel which is why her teeth are so bad.
It is going to cost about $2000 to have them fixed. She has her initial consult on September 6. We do not have dental coverage that will cover this because it was preexisting when my husband started at his new job. He works full time and goes to school full time. I take care of my dd and my 10 month old ds. I also do college education online. I now have too return too work full time.
I have not worked in more then four years. I want to work but I am scared to go back. I am scared of how to find the money to cover the cost of the dental work. I am scared of my daughter having to get "put under" to have her dental work done.
We are moving to another apartment that is cheaper in a month. I have so much to do and I have to find a job. We do not have a vehicle (we had to sell it in the spring). My husband has had to use his cousins motorcycle all summer to get to work. Now winter is almost here and in two weeks we have to insure his cousins truck. But we only get to use it until January. Then we have no vehicle. Our insurance is $235 a month and to initially insure it we have to come up with $700. And my husbands school is waiting for the remaiing $5000 we owe them in tuition by december.
It just seems like everything is piling up. I know there our children and I know their our bills but why does everything have to be so expensive? Why can't we ever get any help?
If anyone is still reading all this then Thank You. Sorry to be so down.
Julie,
Gosh, it sounds like you have a lot to deal with. I'm sorry you're having such a rough time. Would the dentist and your DH's school accept payments? Getting a new job can be stressful, too. Just keep thinking of the benefits. Maybe a new car of your own, DD's dental etc. Try to hang in there a bit longer. Maybe the light will start shining at the end of the tunnel, soon. My good wishes and prayers are with your and your family. Hugs, Lendi
I just wanted to say I am sorry you are having to deal with so much... I know it can be hard and overwhelming. I wish I had some advice to help you through this, but all I can tell you is to try and take one day at a time and one thing at a time. See if there is anyway you can make payment arragements on anything... sometimes if you explain your situation some people will work with you,, I know its hard to have to tell people you don't know about your situation,, but sometimes you have to... I have been in those situations before and thankfully I have found some creditors to be helpful.... I do know what you are going through with the dentist... I am having to have extensive dental work myself... I have dental insuance but it only covers 1000 a year and that will still leave me owing out of pocket 5000... so I am kinda freaking out about that right now as well... I will say dentists are outragoues....
Well, I wish I could help you in some way,, just wanted to let you k now that I am thinking of you and your family and I will keep you in my prayers... I wish you the best of luck.
TERRA
__________________ me 30 hubby 34
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I wish I had some advice about the rest of your bills. But, as far as the denist, everyone I agree with. They should be able to work out a payment plan. Around here, as long as you pay monthly, dr.'s will accept whatever you send them. (Even as low as $5 or $10 a month.) I have about 5 dr.s bills and I send them $20 a month each. They have not done me anything yet.
( Just a thought, can your husband's job help with his schooling? I know many employers that help out when their employees are furthuring their education.)
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Sarah (24) DH Mike (25)
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It sounds like you have a pretty full plate right now. I am hoping that you are able to rebound from this soon and I am saying a prayer for you and your family.
Peace,
Karen
__________________ Keep fighting the good fight!!!
Thank you for all your kind words and thoughts! My thoughts are with all of you who are struggling along with us.
I am feeling much more optimistic. We are filling out the forms too see if work can pay for half of the cost and we are sending a letter of appeal to student finance to see if they can help with the unexpected cost. I have also decided to find a fulltime night job after we move so I can still be with my kids all day. It seems like nobody ever wants to help us so we have decided to just do it on our own. and thats okay...it only makes us stronger!
My husbands job does have a tuition program but....because he started school before he was working with the company they will not help. If he ever wants to do some upgrading later they will help with that. Thank you for all of your wonderful suggestions!
I have also decieded to return to school next year and take interior design! It has really given me something to look forward too.
My only concern is my daughter having too be put under for the surgery. I love her so much and I don't think I could go on if anything happened to her. Does any one have experience with a 3 year old having dental surgery? Here they usually will not do it on a child under 5 years but they can't wait for her.
Sounds like you DO have a lot on your plate right now. I can empathize with the financial struggle and the worries and stress it brings along with it. I wish there was something I could do to help- but I agree with the other cysters, at least as far as the dental work is concerned, you should be able to work out some kind of a payment plan with the dentist's office.
And to put your mind at ease about your DD going through the experience, I too had dental surgery when I was little and I can remember waking up to see my mom and dad- everything went fine. I have no traumatic memories of the experience.
I hope brighter days are ahead for you and your family
Aimee
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me: 30
DH: 31
DD: *Eleanor Alexandra* 13 months (born 13 weeks early on January 31, 2004@ 2lbs 2.6oz)
Nobody can make you feel inferior
without your permission - Eleanor Roosevelt
Just feeling down... 
It's going to work out..... 
