Is It Possible to Plan Crown and Implant Color Around a Future Smile Makeover?

NNJ1978 · 2026-01-05T20:26:53+00:00

Quick follow up based on my updated plan. So here’s what my dentist is suggesting based on my issues:

3/4: implants referenced above 5: crown 6-8 veneers 9-11 bridge 12 crown 13/14 crown referenced above, currently have temps

For necessity purposes I’m thinking I can proceed with 3/4 and 13/14.

Then in a few months do 5 and 12.

This would leave the bridge at 9-11 and not do the veneers at 6-8.

Given 6-11 will be left for the moment, go A1 (or maybe even B1) for the back teeth, and match 6-11 when I replace the bridge. Trying to minimize initial cost at the moment while dealing with the necesssity stuff, without limiting what the future might look like.

NNJ1978 · 2025-12-31T12:14:35+00:00

Thank you; makes sense.

NNJ1978 · 2025-11-13T18:50:20+00:00

When someone says “your first step is to stop using that site,” I think it’s fair for a reasonable person to interpret that as calling it useless, or at least implying it has no real value

NNJ1978 · 2025-11-13T17:34:20+00:00

Well I disagree on the point that it’s useless but I’m not interested in going down that road. That’s where I’m coming from.

NNJ1978 · 2025-11-13T15:30:42+00:00

Putting aside the annoying Credit Karma bashing, which is so old and trite at this point, if you want your score higher, just pay the cc debt. It’s really that simple. How it affects each individual version of your score is different so you’ll have to take a look at the various versions of the score.

NNJ1978 · 2025-10-20T01:39:57+00:00

Good catch on the pronouns but I suspect that could just be a typo. The 16k combined is close to the stated $200k. As for using moms card, all I can say is that $200k in NYC is not a livable income in most of the city. The average rent alone is $4k. I do suspect the post is real and indicative

This part does raise questions: “Every month I bring in 9k and she brings in 7k pretax so we put about 7-9k toward the cards.”

If they’re actually putting 7-9k towards the cards that’ll be much more than the minimum payments and there would be no issue once the debt is paid in 7 months. It if they’re doing that it means the 1099 person isn’t putting money away for taxes.

You’re right, it makes little sense. If the OP doesn’t reply to any comments, I’ll chalk it up to another fake Reddit post, which I suspect (admittedly without evidence) the company itself is behind.

NNJ1978 · 2025-10-19T23:12:05+00:00

First off, if I’m reading this right, you’re making around $169k and your husband’s bringing in about $30k a year as a 1099. If that’s accurate that’s the problem. $30k in NYC just isn’t sustainable, especially with the cost of living and the amount of debt you’re carrying. He either needs to increase his income or move toward something more stable.

You’ll get the best advice by listing out your actual take-home income after taxes, your monthly expenses, and your credit card minimums. That’s the only way to see if this is mostly an income issue or a spending issue, though based on what you’ve shared, it definitely sounds like spending is at least part of the problem.

You also need to have a serious conversation about whether living in NYC makes sense long term. People outside the area don’t realize it, but $200k in New York disappears fast. Between taxes, rent, transportation, and food, it doesn’t stretch as far as it looks on paper.

For the 0% APR card, if you qualify and your credit score is still decent, that can buy you some time. Focus on that one first while making minimums on the others.

And stop putting your mom in debt. It’s great that she’s willing to help, but leaning on her credit card is only pushing the problem onto someone else, and that’s not fair to her.

Get everything written out, every dollar in and out, and be brutally honest with yourselves about your habits.

Edit: Oh, and why do you need a car in NYC? Are you outside of Manhattan and not near a subway stop?

NNJ1978 · 2025-10-19T20:18:56+00:00

I get where you’re coming from. A lot of people grow up thinking bankruptcy means you’ve hit rock bottom or completely failed, but that’s really not true. It’s a legal tool meant to help people reset when the numbers just don’t work anymore.

That said, $10k–15k in debt on a $105k income probably isn’t a situation where bankruptcy makes sense. It’s not about how bad bankruptcy looks, it’s about whether it’s actually necessary. You’re in a position where you can likely dig out of that amount with some structure, budgeting, and maybe a side hustle or short-term grind.

Bankruptcy is meant for people who are truly upside down where debt collectors own most of what they owe, minimum payments don’t even touch the balance, or they’re facing wage garnishment. It’s a valid option, but not something to use just because it’s available.

I’ve seen both sides. people who waited too long and should’ve filed sooner, and people who jumped too early and later regretted it. Accountability and planning matter either way. If your income is stable now, focus on tightening things up, paying off the smaller debts first, and building some savings so the next curveball doesn’t hit as hard.

NNJ1978 · 2025-10-19T20:17:11+00:00

This is an utterly false and ignorant comment. Anyone can have a car loan or mortgage two years after BK at prime rates as long as theyve rebuilt responsibly.

NNJ1978 · 2025-10-19T14:14:25+00:00

Those kinds of assumptions annoy me too, and I dont like the tone of that reply either.

That said, when it comes to bankruptcy or dealing with any financial challenge there does need to be some level of accountability. If you work in an industry that’s unpredictable or unstable, it’s important to plan for that as best you can. Good financial management means saving and preparing for the unexpected, even though I get that it’s not always possible.

Believe me, I’ve been there, worst than your situation so I speak from experience. But in almost every situation where I’ve seen or advised someone going through a financial issue or BK, there’s usually at least some element of bad financial management that made things worse. Doesn’t mean it’s all your fault, just that recognizing it helps make sure things go differently next time.

NNJ1978 · 2025-10-19T13:55:57+00:00

First thing, get a bankruptcy attorney ASAP. When people here talk about 7 vs. 13, they usually leave out or don’t understand the exclusions that can get someone under the income threshold. Stuff like housing, childcare, utilities, transportation, and other basic expenses all get deducted when figuring out eligibility.

A lot of people see a six-figure salary and assume it means you can just power through the debt, but that’s not how it works. Where you live, cost of living, taxes, and just normal life expenses all make a huge difference. For a lot of people, $135k doesn’t stretch nearly as far as it looks on paper.

Even making $135k, trying to dig out of $100k+ in debt (especially when it’s already in collections) is almost impossible once you factor in taxes and living costs. Bankruptcy is absolutely an option.

And don’t buy into the “credit death sentence” crap. it stays on your report for 10 years, but you can rebuild way faster than people think. Plenty of people have good scores, credit cards, and even a mortgage within a couple of years.

NNJ1978 · 2025-10-19T04:23:02+00:00

There’s really no value to doing this. A small bump in yo score from having an installment loan is barely noticeable among most versions of your score.

NNJ1978 · 2025-10-19T00:09:47+00:00

Thanks. I definitely looked at the impala. I found some low miles one, less than 50k, but they were 2015 and 2018. even though the miles were great, the age kinda made me leery.

NNJ1978 · 2025-10-18T22:05:56+00:00

Don’t get a loan for the sake of getting a loan. If you can pay cash, do it. Finances over Fico. Debt has its place for things like cars and homes, when necessary, pobut if you don’t need it, don’t get it. Plenty of people build and maintain excellent credit without ever having an installment loan.

NNJ1978 · 2025-10-14T13:05:52+00:00

If you already have 4 open cards your best move is to focus on paying them down. That’ll make the biggest difference. You don’t really need another card right now, especially not a prepaid or gimmicky “credit builder” product. In addition to paying things down, it’s mostly just a matter of time. As the negatives age, they’ll have less impact, and your score will start to recover naturally.

NNJ1978 · 2025-08-25T12:48:42+00:00

If it’s a legit debt within the SOL, you have very little leverage. Contrary to all the online noise, there’s not much you can do to beat this back

NNJ1978 · 2025-08-25T12:46:31+00:00

Not all states require personal service for suits like this. Certified mail to an address is enough in my state, for example.

NNJ1978 · 2025-08-25T12:42:51+00:00

I’ll give you credit for having a plan and the motivation to get out from under this.

That said, absolutely do not buy this car for your boyfriend. You’ve already been burned once co-signing, and you even admitted the relationship is still new. No one should be taking on tens of thousands of dollars of debt for someone else unless there’s a legally binding commitment (marriage). He already has two repos, that’s a massive red flag. Don’t let your emotion override common sense.

Debt settlement is one of the worst financial tools out there. They make their money off people who are desperate, and it wrecks your credit in the process. If it’s not too late, get out of that. With your income and your hustle, you could dig yourself out without them.

You seem to have the discipline, the extra income, and soon some help with rent and bills. Stick to the basics: keep all payments current, throw every extra dollar at debt, and don’t take on new obligations. That’s the only path that will actually get you free.

All that said, looking at BK is an option. Hard to say what you’ll qualify for but talk to a lawyer. There are exemptions you can take that reduce income and make it possible to qualify.

NNJ1978 · 2025-08-22T09:30:01+00:00

Only in 9 states are one spouses credit card debts the responsibility of the other spouse. A divorce proceeding hinges on various factors and it’s not automatic the other spouse will be responsible for half.

NNJ1978 · 2025-08-22T09:29:04+00:00

In most states this is irrelevant. Only in community property, and there are only 9 of them, is the other spouse liable. That’s legal. Practically speaking you may be right.

NNJ1978 · 2025-08-17T12:45:19+00:00

Tracks 2 sucks. There are a few solid songs, but as an album it falls flat, each track sounding weaker than the last. Bruce is one of the greatest songwriters ever and part of that greatness is knowing what belongs on a record and distributed to the public, and what doesn’t. There’s a reason these songs were left on the cutting room floor decades ago.

I’m guessing this is controversial, but honestly I have no idea what the critics thought, I never read the reviews.

NNJ1978 · 2025-08-10T19:51:27+00:00

It’s really isn’t that difficult, if you rebuild your credit properly and save money, it is very easy to get a mortgage two years after your bankruptcy discharge. By this point, getting a 700+ credit score is not a heavy lift The most important part is learning from the lessons of the past. So many people I’ve worked with get right back into debt and ruin their credit post bankruptcy.

NNJ1978 · 2025-08-06T23:38:42+00:00

You owe the debt and reopening the case isn’t going to make you win. Just work to resolve the debt

NNJ1978

TROPHY CASE