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Most of life's costlier occasions have prescribed financing options: buy a home, get a mortgage; send a kid to college, save in a 529 plan or get student loans; need a new car, sign a lease or take out a car loan. In 2016, Americans spent a record-breaking $15.44 billion on cosmetic procedures, according to the American Society for Aesthetic Plastic Surgeons. The society reports that surgeon's fees for breast augmentation cost nearly $4,000, nose jobs $5,067 and facelifts $7,503 (not including surgical facilities, anesthesia and other fees, which can add thousands more to the final bill). Don't add other purchases to the balance, and do your best to pay off the balance before any introductory rate expires. Bank loan Another option: A personal loan from your local bank or credit union.

Plastic surgery's high cost is enough to furrow anyone's brow. Pros: While the interest rates on an unsecured loan from a financial institution run close to or more than those on credit cards (depending on your creditworthiness and ability to qualify, of course), bank loans have fixed interest rates and a fixed amount of time in which to repay.

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