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What Would Make You Go Into Debt?

by Shawanda Greene

Missing Tooth - Shawanda

As I suspected, it's not a good look.

As you may already know, I’ve been debt free since 2008. Honestly, it’s one of the best feelings in the world. After I mailed in that last payment to Sallie Mae, I didn’t want to borrow money ever again.

I despise debt so much that I don’t even want to take out a mortgage for a home purchase.

But lately, I’ve been thinking about instances in which I would borrow money if I didn’t have the resources to pay cash.

If my car broke down, I’d take the bus.

If I ran out of food, I’d apply for food stamps.

If I couldn’t afford internet service, I’d hand write blog posts and publish them at the library.

Besides horrendous events that’d demand a large sum of cash to save my life or a loved one’s life, I can’t think of any circumstances in which I’d go back into debt.

Well, there is one.

If, by a stroke of bad luck, one or both of my top, two front teeth were to go missing, chip, or die, I’m hightailing my long legs to the nearest dentist for some high end cosmetic work.

No comparison shopping. No haggling. No couponing. And I only want the best.

I’d get my tooth fixed without even blinking. Interest rate and debt freeness be damned.

Judge me if you will, but I’ll be daggum if y’all have me walking around here looking like a meth head. ‘Taint happenin’.

Do you know how mentally devastating it is for a young woman to be missing a tooth?

Maybe I could suffer through a bottom tooth that was missing or just messed up. But one of my top two?

What if I wanted to eat an apple? Or a large ginger snap? Am I to chomp down on it with the side of my mouth like a caveman? Never!

Although I, generally, don’t care what other people think of me, I wouldn’t want to be known as “That tall girl with the missing tooth.” Oh, the horror!

I know this blog post seems totally random, but I felt like I had to talk about this after my cousin’s fiancé split his tooth, a friend posted on Facebook that she dreamed an entire mouth full of her teeth fell out, and a jilted dentist pulled out all of her ex-boyfriend’s teeth. (All of which are both horrific and hilarious. Ha! :D )

If you are/were debt free, what events would make you go back into debt?

Did you enjoy this article?
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{ 10 comments… read them below or add one }

addvodka May 2, 2012 at 9:08 AM

Haha! Yes! I sometimes have dreams about knocking out a tooth and I would spend a lot of money getting them repaired too!

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Shawanda May 2, 2012 at 1:44 PM

I hate missing tooth dreams (or should I say, nightmares). The only dreams more terrifying are the ones where I'm falling.

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Sam May 2, 2012 at 12:52 PM

Oh gosh, that pic is so funny! HAHAHA.

I just learned that you can only make $1,100 a month per person to qualify for foodstamps in California. Hmmm.

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Shawanda May 2, 2012 at 1:45 PM

That's it?! Well, if you can't afford food, I guess you don't make much money. Food should be one of the first things you buy.

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@prairieecothrif May 2, 2012 at 12:57 PM

I think we all have those things that we would pay for regardless. I think an emergency fund will help with these kinds of things which prevents people from going into debt. Boosting our emergency fund is one of our current projects.

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Shawanda May 2, 2012 at 1:47 PM

You're absolutely right. If you have an emergency fund, you should definitely use it for something like dental work should the need arise. There's no question in mind that losing a front tooth is an emergency.

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YFS May 2, 2012 at 7:18 PM

My name is Dominique and I approve of this blog post. I will easily go into debt for health reasons and if I can make a lot of money from it.

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Shawanda May 15, 2012 at 12:29 AM

Debt for health reasons, yes. Debt for investments, ummmm. I dunno. I'd need way more than enough money in cash to repay the money I borrowed to even consider considering it.

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Carrie Smtih May 6, 2012 at 12:57 AM

I agree (even though I have 2 months left till I'm debt free), health problems would be one of the reasons I'd get back into debt. And of course that includes dental issues for me as well. I've had extensive cosmetic work on my teeth since I was around 12 years old. I've had braces, retainers, invisalign, everything. There's NO WAY I wouldn't rush down to the dentist, just like you described.

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Shawanda May 15, 2012 at 12:27 AM

We American's love our teeth, don't we? I haven't seen much of the world, but when I went to Barbados, I was shocked at the number of people with missing teeth. I'm told people in Barbados are more inclined to just have a troubled tooth pulled than to fix it. *gasp*

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