In consideration of finances and Bugaboo's aversion to travel and the fact that I don't feel like I can just sit back and hope that it doesn't reccur despite the doctor saying it will... I think I'm going to opt for the radical surgery. I'm going to call the bank to see if I can get a loan for 3k to cover it and then I'll see about getting it scheduled for as soon as possible.
The people on the VAS mailing list are all advocates of refinancing houses and things to pay for their cats, but I think in perspective 5k of debt isn't significant to them. To me it really is. Excluding my car I only have ~5k debt to begin with and I'm bad at managing that. I don't have much in the way of credit cards or the like for that very reason. They just got me in to lots of trouble when I lost my job and I don't want to be in that situation ever again. Anyway.
I know not everyone agress with my decision one way or the other, but I do thank you all for realizing that being supportive does not necessarily needing agree. I'm trying to do the best I can.
I will be setting up a Bugaboo Cancer Fund here soon. I need to figure out what I might want to offer or anything to see if I can raise a little money. There will still be plenty of after care costs for her and if I can raise a little extra to help pay for any of it, it will be extremely helpful. Maybe I'll try selling paintings or something. Selling prints of my photography has never been significantly profitable.
Anyway, stuff to think about it. First up is getting a loan for the surgery.
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I didn't think I could feel much more dismal than yesterday... Then I thought I had a solution to all of this by deciding on the surgery. I went to the bank just now to apply for the credit to pay for the surgery since I already have a line of credit with my bank. I got denied for the increased limit request. Fuck. Now what do I do? I literally can't afford anything. The shitty thing is it's not that I don't make a decent salary, but my credit is crap from being out of work and I need the money NOW. I could save it up in 6-8 weeks probably by scrimping, but will that be too late? I guess I need to give the Dr another call and find out how long we can wait to do the surgery and still think it'll have a reasonable chance of being successful.
Unsuprisingly I've been feeling increasingly depressed lately.
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So I just pulled my credit report for free through the goverment and all of that. My past due is some pissy company saying I still owe $1 on an accout that's been closed. WTF! The other was an overdue library card for $37 that went to collections and I don't think it got paid (hard to read credit reports). So I can't get credit for Bugaboo's surgery because of $38 and an overdue library book! I'm so frustrated!
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Thank you all so very much that have contributed to Bugaboo Cancer Fund. It collected $542.56 so far! I'm amazed at the generousity of my virtual friends. I've had one extremely kind offer from a friend to loan me the money needed and the bf has offered to help with the costs as well. I think I can make this work. I called and left a message with the Dr about who to talk to and when to schedule the surgery. I think I'll take a couple days off the day of and after the surgery just to spend time with Bugaboo and make sure she's recovering well.
In the mean time I'm working on sorting out the credit report nonesense so hopefully I can make sure I have credit enough for future emergencies and what not. The whole credit fubar thing wasn't something I was expecting.
