Breast augmentation: Is this a thing? (Layaway ?)

[an0npr0xi01]

So earlier today I realized I had a problem saving for my surgery.Its mostly because I have little self control. I was wondering if there was a layaway program for implants or just a way for me to give my money to a surgeon and let it accumulate over time by paying it off. ( My credit is awful and I can't find a co signer so I can't get a loan.)But if any one knows of a surgeon who does this let me know.

[Cindy]

There use to be savings accounts that you can't withdraw from until you reach your saving goal. maybe talk to a bank?

[Lilian J]

Some of the online savings account banks like ING allow you to set up multiple accounts as subaccounts of your primary account and you can set scheduled payments. So if set an automatic saving each pay period it can then direct into your Holiday Account, Tax Account, New car Account and New Boobs account . That way you can't remove the money without at least stopping to think about what it is supposed to be for. 

Also I have seen places like GE offer medical loans (full teeth crowns and veneers, Laser eye surgery and  cosmetic surgery) as a variation on a personal loan but sometimes they restrict type of procedure and where it can be done. Some clinics actively promote the loans as it means they get paid quicker than dealing with insurance agencies.

Best of luck.

[an0npr0xi01]

There use to be savings accounts that you can't withdraw from until you reach your saving goal. maybe talk to a bank?

Does anyone know of any online banking that does this?I have a account but they won't let me do something like that.

[an0npr0xi01]

Some of the online savings account banks like ING allow you to set up multiple accounts as subaccounts of your primary account and you can set scheduled payments. So if set an automatic saving each pay period it can then direct into your Holiday Account, Tax Account, New car Account and New Boobs account . That way you can't remove the money without at least stopping to think about what it is supposed to be for. 

Also I have seen places like GE offer medical loans (full teeth crowns and veneers, Laser eye surgery and  cosmetic surgery) as a variation on a personal loan but sometimes they restrict type of procedure and where it can be done. Some clinics actively promote the loans as it means they get paid quicker than dealing with insurance agencies.

Best of luck.

Thank you this is a good idea. I doubt I can get a loan. But if you know of any other online banking I can do please let me know .I'll try Ing I'd just like a variety of chocies.

[Laura_7]

Thank you this is a good idea. I doubt I can get a loan. But if you know of any other online banking I can do please let me know .I'll try Ing I'd just like a variety of chocies.

What about the old fashioned method withdrawing cash and putting it in a savings box, assuming you live in a safe place and don't tell anyone. Just doing this at the same day each month.

Another option is to simply call your bank and talk to them.
There might be a variety of solutions, from savings booklets filled automatically to subaccounts.
Just tell them and ask what fees would be each solution.


hugs

[XKimX]

When banks began fee-ing me to death, I found a solution that worked for me.

I opened up a brokerage account/cash management account.  No fees.  And then transfer digital money from checking into that account.  I can leave it in cash, or put it into something really safe like T-Bills.  And when you need the money, just transfer it back to checking (if in cash), or put in a sell order and then transfer the cash.

In these days, unless you have a minimum balance of $5K or more, bank fees, especially for multiple accounts, will kill you.

An alternative is to open an new account at a credit union.  No fees.  Transferring digital money is harder, but if you are working with cash and the CU is near at hand, then no problem.  The advantage of as credit union is that when looking at your credit for a loan, they look at your relationship with the CU, not your credit report, to evaluate you for a modest loan.  Which can help you reach your goal faster.  And the interest rates are way below carrying a credit card balance.

[an0npr0xi01]

What about the old fashioned method withdrawing cash and putting it in a savings box, assuming you live in a safe place and don't tell anyone. Just doing this at the same day each month.

Another option is to simply call your bank and talk to them.
There might be a variety of solutions, from savings booklets filled automatically to subaccounts.
Just tell them and ask what fees would be each solution.


hugs

I tried both of those. It didn't work out very well. If I could I'd like to put it somewhere that I can't touch it. I tried with my bank to set something up . But they wouldn't go for it either.

[Lilian J]

Thats who I use in Australia but ING is a true multinational. In the US they are now "capital one" I believe.
This article has some info on setting multiple accounts.
http://www.iwillteachyoutoberich.com/blog/best-savings-account/

[Dena]

Depending on the degree of self control you have, there is another option at my bank. You can open a savings account for your special needs and set up an automatic transfer from checking to savings. Each month the desired amount of money will be transferred to the savings account. The catch is you must not touch the savings account until you have the required amount of money in it.

Until the banks stopped paying interest, I would put money I didn't need into the saving account and work only with my checking account keeping a relatively small amount of money in my checking account. Now I only lose about 6 cents of interest a year by keeping my money in the checking account, I don't worry much about where the money is as long as I don't spend it.

[an0npr0xi01]

Depending on the degree of self control you have, there is another option at my bank. You can open a savings account for your special needs and set up an automatic transfer from checking to savings. Each month the desired amount of money will be transferred to the savings account. The catch is you must not touch the savings account until you have the required amount of money in it.

Until the banks stopped paying interest, I would put money I didn't need into the saving account and work only with my checking account keeping a relatively small amount of money in my checking account. Now I only lose about 6 cents of interest a year by keeping my money in the checking account, I don't worry much about where the money is as long as I don't spend it.

That is a good idea but the biggest problem is I can't find a bank that'll do that near me. So I'm trying to find  a online equivalent or one that offers this feature that's close enough.

[Dena]

I have online access to my account so I can see if checks clear and watch credit card transactions. I also used it for paying off my credit card if I am away when the bill comes due. Automatic transfer is buried in the features and you have to go looking for it. If you have online access at your current bank, it might already exist.