I like to think that I am prepared for just about any financial catastrophe life could throw my way. Yet, when it rains, it pours. Financial setbacks happen despite my best preparations and they often happen at the worst possible time. Dealing with those setbacks sometimes means tapping into my creativity.
The Year of the Dentist
December 31 ended what I aptly dubbed the "year of the dentist". My children had run up a $3,000 bill, through no fault of their own. My youngest had to have 11 baby teeth pulled and spacers put in their place, due to a strange genetic condition. My oldest daughter had shoddy dental work done on a three-year-old crown (and needed oral surgery) and my twins needed all four of their impacted wisdom teeth taken out. And, of course, all of this needed to be done as quickly as possible. How did I pull a $3,000 rabbit out of my hat right around Christmas time?