Although this dental-wish has been a long time plan that has been set aside long enough (4 years). Money spending went to other necessities and luxuries. Dental treatment wasn't "the need". Actually it has been the need for so long. Until we couldn't afford it because of credit card repayments reaching the max loan. Bad management. But lessons learned the hard way. Balance transfer of 90% of 0% monthly interest went timely. Our son-in-law lent us the remaining credit balance paid our debt in full. Life is Good! So, since 3 months ago, I've been paying cash on groceries. Using some grocery money for a little family dating and movies and popcorn with the allotted food-budget. And still saving besides. I called the dentist for my husband's appointment today. My savings is supposedly for a new laptop for me, and/or an out-of-town holiday. But, I can live without my laptop. I can still save later. I'm excited!