If you’ve decided you’re ready to go ahead and have that cosmetic surgery you’ve been considering, you might be thinking about the next important consideration: how you’ll finance it.
Realistically, most of us will need some preparation and forethought to fund a dream procedure. But like any other large expense, a little planning and smart budgeting can go a long way. Fortunately, small adjustments to your lifestyle will not only get your closer to affording the surgery you want, but they’ll help in your recovery post-surgery, too.
Tip 1: Mentally commit to your goal
Finding out the total cost of a procedure can be overwhelming. It can help to set yourself a realistic goal and then break it down into smaller, more manageable steps. The most important first step is to psychologically dedicate yourself to achieving that goal.
You might find that your plan becomes more concrete when you share it with friends and family who can support you and hold you accountable to the changes you need to make. Be honest about exactly how much you need to save, and then keep aware of your daily spending by using a diary or a budgeting app. Once you’ve mentally committed yourself to your goal, remind yourself of it daily to keep motivated.
Tip 2: Save with meal-prepping
A very practical way to start saving money daily is to make modifications to your diet. Meal-prepping is a smart way to consciously decide ahead of time how much you want to spend on food. By planning meals a week in advance, you also cut down on impulse spending or expensive dinners out. Plus, if an entire week of meal-prepping seems ludicrous to you, start with two or three homemade meals every week. After all, every meal you make yourself helps bring down your monthly food spending.
The great thing about giving your diet a makeover is that it not only saves money but gives you the opportunity to eat healthfully and change some potentially bad habits. Budget-friendly foods are often the healthiest: opt for home-cooked meals low in salt and sugar, lean protein and plenty of fresh fruits and veggies. Switch soda and juice for water. Your body will thank you, your wallet will thank you, and best of all, you’ll be setting yourself up for faster healing post-surgery.
Tip 3: Get in shape
Have you ever noticed how expensive guilty pleasures can be? Cut them out and you instantly save money you can put towards something you really care about: your procedure. Lifestyle changes save you money, but they also ensure you’ll be going into your surgery in good condition, ready to recover with minimal swelling and downtime.
Reduce alcohol consumption or avoid it completely. Eliminating takeout and ready meals will also help you reach your savings goal sooner, and cut excess salt, sugar and fat from your life in the process.
Finally, quit smoking: many surgeons won’t even consider operating on a smoker. If you’re looking for a reason to quit, budget restrictions can motivate you in the short term while the reduced risk to your health pre- and post-surgery can keep you going in the long-run.
Tip 4: Trim your clothing and grooming budget
Are you struggling to imagine how you can find extra money every month to put towards your savings goal? Many people unwittingly spend too much on life’s little luxuries: clothing and shoes, makeup, beauty products, treatments and toiletries.
A good idea is to set a fixed limit each month and consciously decide to spend less. You might discover that you can cut back without noticing, perhaps even learning to better appreciate what you already have. Remind yourself that you’ll have money for a new look after your procedure.
Tip 5: Ask about financing
That daunting surgery fee might not look so intimidating when broken down into smaller chunks over the long term. If you haven’t yet considered financing your procedure, speak to your surgeon or Medbelle PCA about your options.
Monthly payments may make financial sense for you and give you a realistic plan to work with. It’s so much easier to make a few lifestyle sacrifices every month if you know that every effort is going towards paying off your procedure.
Like any major life purchase, cosmetic procedures require a few budgetary changes to build your savings. But you don’t have to ruin your social life or feel stressed or deprived to reach your savings goal. In fact, just a few small changes will not only save you money but put you in the best position to recover well once you’ve reached your goal.