I am planning on using our tax return to get my surgery. But im starting to feel guilty, like maybe I should not get it and use the money towards bills. But then im worried I will regret not getting the surgery and have to wait another year before I will have the money to do it again. Help!

Do you truly need the money for bills? Are you super behind?

^{Bills will always be there but your have to take care of yourself!!! Now I dont mean it if your going to lose your house or be homeless or something!! But if you mean like the veryday bills that never go away get the surgery!!}

^{Bills will always be there but your have to take care of yourself!!! Now I dont mean it if your going to lose your house or be homeless or something!! But if you mean like the veryday bills that never go away get the surgery!!}

I agree and that's also what I was getting at.

Someone once said on this forum something that has stuck with me. She said she didn't make alot of money (only about 15K/year) and she paid for her surgery with a credit card. She said we always need more money but money is just money. The health benefits and changes to your life is what counts.

Someone once said on this forum something that has stuck with me. She said she didn't make alot of money (only about 15K/year) and she paid for her surgery with a credit card. She said we always need more money but money is just money. The health benefits and changes to your life is what counts.

i disagree strongly with this statement. the stress and health impact of high amounts of credit card debt is intense. sure, money is just money, but if you have a family that relies on you then you have to be smart. taking care of your weight is a fantastic move, but saddling your family with debt to do so can have serious consequences.

if you are up to date on your bills and can handle the minimum payments and a small "debt snowball" then go for it. otherwise get your finances in order before you do it.

for what it's worth, i have 2 kids in an expensive private school which precludes my ability to self pay. i was interested in surgery a few years ago but it wasn't covered by my insurer. i changed employers and, again, it wasn't covered. after another change in employers it's covered 100% and i'm currently waiting on approval. if i had paid out of pocket or run up my credit card then it would impact my ability to care for the kids.

i'm not saying don't do it - i'm saying you should evaluate your options, run the numbers, and see if it makes sense right now.

15k per year, and charging 5k+ to a credit card... that's going to take forever to pay off. I don't see how you *could* pay that off without a second job. I took the debt on because there's a lot I can cut from my budget to pay it off, I can cut cable tv, restaurants, cell phones and other luxuries, but what can you cut when you're already at the bare minimum? That would stress me out so much.

If you are not in danger of being homeless ( ior jailed) think you should go for it. I know how you feel, I've been going through the same feelings and have myself already put it off for over a year now.... Even if you use your tax return for bills and wait.... Chances are next year there will be something else, some other opportunity that needs your money or seems like a priority. Do this first.

If you are not in danger of being homeless (or jailed) by your financial situation... Do it now... I have put mine off for over a year now (also due to guilt) and I can tell you with absolute certainty.... There will always be something else buying for that paycheck. Don't put it off anymore.... Your never going to get your time back...

I am planning on using our tax return to get my surgery. But im starting to feel guilty' date=' like maybe I should not get it and use the money towards bills. But then im worried I will regret not getting the surgery and have to wait another year before I will have the money to do it again. Help![/quote']

Wow you and I are thinking the same way but I just decided yes I'm going to use the money for the surgery and I will work on pay my bills just like I've been

I was self pay and also felt guilty about spending so much money on myself. I have to tell you that it was the best decision for me. Some days I would like to have those student loans paid off (not that the 6k woud have done that!!) but I feel great and am so much happier. Go for it if , like others have said, your bills will be manageable after the surgery.

Yes you should feel very guilty for making your life longer and healthier!! Terrible!!! Lol silly goose you'll be so much happier! What are bills?! They can't hurt you!! But the weight can!