- Feb 22, 2012
I know this is another orthodontist thread but I am seriously at a loss about what to do. We have 4 kids, all 4 need some treatment but one can wait a few years. I am now starting the process with the other three. She is offering a payment plan without interest, but if I pay up front I save 5%. To me 5% isn't a lot of a savings, but with this much money going out, it comes to a little over $400, which is real money. Also the hassle of not paying every month is nice too. She was going to get back to me on if she will give me a cash discount on top of that or if she will give me another discount for paying all 3 up front. Here is my question: 1) is there any con with paying it all in advance. And 2) is it worth taking the money from savings to save $400? It would be around a third of our savings. I am having a hard time wresting the fact of saving money, vs. having more cash on hand? Any thoughts? What have you done? Thanks!