Tuesday, April 6, 2010

Financing Woes

Over the past couple weeks, I've been looking into my options for financing my Gender Confirmation Surgery (GCS). Loans and medical coverage.

Note: I cannot have the surgery until at least February 4, 2011 but I wanted to see if I could get financed now so everything could start getting ready for that. Marci Bowers reserves dates between 6 months and 1 year ahead.

Anyway, I looked into loans and even had the nerve to ask a couple friends if they would cosign for me. All of that aside, I've had the bank tell me even with a cosigner, they would not give me such a loan because of the impending foreclosure of my house and the havoc it's already wreaked on my credit score.

If I had really been thinking ahead, I would've applied for such a loan back in December when my credit score was still good. Ah well, regrets are never a good thing to dwell on. Another thing I was wondering about was possible supplemental medical insurance coverage that would cover the surgery. I mean, I would pay $600-$1000/mo for such insurance from now till Feb or longer if it would mean being able to have the surgery next year. It would be similar to paying a loan payment anyway. But alas, I was not able to find anything that would work like this.

So I am back on the saving bandwagon.

In May and June, I still have a few hurdles to get through, financially...such as foreclosure, finalization of my divorce, getting into an apartment, and alimony payments. Once those are finished though, I should be able to start saving a good chunk of change every month.

If you hadn't noticed, I added a widget to my blog today that will allow others to donate to my surgery if anyone might have the desire. I realize that a lot of people who peruse my blog have their own surgeries to fund so please don't take this the wrong way. If you want to give, great! If you don't, it's very understandable. But thank you very much if you do.

Somebody told me the other day that if I got 20,000 people to donate $1, I'd be set. Or even 4,000 people to donate $5. Funny how that would work but I'm definitely not going to sit on my butt and hope everyone donates. I am hoping the new widget will be yet another tracker to see how the fundraising / saving is going. I will update it myself as I save.


Shannon said...

You'll get there, Debra. You have great support. You have a very good head on your very attractive shoulders. You have desire and discipline. You will do fine. You, also, know that the bottom line is being you, is being spiritual and that what is or isn't between your legs is secondary. I think you'll be a stronger woman for the wait.

Teagan said...

You'll get there, one way or another. Get 20,000 people to donate $1... ha. Seems so simple, doesn't it? I'm not going to be able to do anything for mine in terms of money until I'm done with alimony... sept. 2011. ugggg.

anyway, you will figure it out. :)

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