Are you thinking about making an improvement to your physical appearance, but are wary of the costs typically associated with cosmetic procedures? You’re not alone. 48% of consumers begin their research on their mobile phones using a search engine, and many of them are looking for information on how to finance cosmetic procedures. With all the information out there, however, it can be daunting to really find the information you need. This is why this handy guide has been created to show you a few tips for finding the best deals on cosmetic procedures.

Safety is Most Important

When scrolling the internet, it can be easy to be enticed by “super-great” deals, but the number one thing when looking into cosmetic surgery is your safety. Whoever you choose for whatever procedure, make sure they are a qualified, experienced, and board-certified surgeon who will operate in an accredited surgical facility that is equipped for emergency situations. While how you will finance your procedure and the deal you can score is important, it comes second to ensuring your safety.

The Type of Cosmetic Procedure Matters

Different cosmetic procedures require different equipment, expertise, time in the surgical room or procedure room. For example, a typical abdominoplasty (tummy tuck) takes four hours in the operating room, whereas a FUE (follicular hair extraction) procedure takes approximately eight hours. It should come as no surprise that, as all those factors vary, so does the cost. Many people automatically assume that cosmetic procedures are out of reach when many are quite affordable or are commonly financed.

Speaking of Financed Surgeries

While paying for cosmetic surgery in cash can be beneficial (no interest rates, it’s all paid for up-front, and some surgical centers offer a discount for cash-paying customers), often finance companies offer great incentives. Check out credit card finance options that offer low monthly payments with interest-free periods to keep your costs low. According to the American Association of Orthodontists, almost four million Americans are wearing braces, and a good many of them have opted to finance their straight teeth, rather than paying for it all upfront.

Bundle Your Procedures

Many people don’t know this, but the option to bundle your procedures, even if they’re not done on the same day, is something many cosmetic practices offer. For example, for people considering liposuction and abdominoplasty, these procedures can safely be done at the same time, saving the customer the cost of reserving the surgical room again. When it comes to noninvasive procedures, like lip injections or chemical peels, these are often bundled together because they require no postoperative visits and are generally low-risk.

Look for Discounts

Be sure to be on the lookout for discounts, whether it’s a holiday discount (many cosmetic facilities offer discounts right before the summer so people can be swimsuit ready), or a student or veteran discount. Many cosmetic centers offer discounts to drive up business and make enviable procedures more accessible.

Clinical Trials or Teaching Schools

Another option to score a great deal on cosmetic procedures is to either sign up for an upcoming clinical trial for a treatment you’ve been wanting or get the procedure you’re interested in at a teaching hospital. The cosmetic procedures done at teaching hospitals are often much lower because they are performed by surgical residents under the supervision and guidance of an attending physician.

These are just a few ways you can score great deals on the cosmetic procedure or procedures you’ve been eyeing for a while. Hopefully, these tips can help you find the best bargain and become your best self!

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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