Someone told me that kids can't go to the dentist until they are 3. So we waited until M was 3, but then we moved and had a baby and she was 4 with a lot of cavities by the time we had her checked out in August.
For the last 4 months I postponed getting them fixed because I was trying to get insurance lined up and then there was a waiting period.
Then yesterday she was on the verge of tears because it was hurting her. So I took her in today, and was grateful they got us in so quick. This morning I navigated the bureaucracy of our HSA account and found out that we totally have enough in there to pay for getting M's teeth fixed.
Having that stress removed I was able to really look at the numbers for 2012 and realize that they are just fine. I balanced the family budget! I'm sorry that M had to suffer, literally, the consequence of my procrastination.