For families after a braces consult
Coupon your way to braces.
Lay-by is the old word for setting money aside.
Finding where that monthly payment already lives is the slow part.
This is typically a ~$6,000 investment ($150 per month).
This is not a loan.
If you do not have the monthly payment in your budget, we will say so.
$6,000
Typical quote
$150/mo
The payment
40 months
If paid as planned
$38
8 days of a $150 payment
Your mix
$150 a month on a $6,000 quote.
This mix is an example list, not money we found.
If this month cannot hold the payment, this is not yet.
Wait, use FSA or HSA dollars first, ask for a longer term, or look at public programs.
Unused subscriptions
Pause two unused apps
$25
Dining and coffee deals
Use three local food deals
$40
Grocery coupons and swaps
Clip and swap this week
$45
Gas and local services
Use one local service deal
$15
One extra home-cooked night
Cook instead of takeout
$25
Your week
See the mix, pick a week, and take the plan with you.
1 of 3
Done
—
After you take the plan
0 of 5
Week ready
Mark the deals you will try this week.
A finished step is work you did, not money you saved.
How The Layby works
You type the monthly number on the estimate.
This plan uses $150 a month on a $6,000 quote.
The list names places where the payment can already live.
This mix is an example list, not money we found.
If this month cannot hold the payment, this is not yet.
Wait, use FSA or HSA dollars first, ask for a longer term, or look at public programs.
One example week is the amount five deals might save.
This week’s five are an example stack, not a live vendor book.
Mark a deal you used, then type what you kept.
Marking a deal does not mean you saved the money.
This is a plan, not a loan.
Step 1
Leave with a plan
Type the monthly number on your estimate.
You get a short list of places that money already lives.
Step 2
Use five deals, not forty
Each week you get a short stack you can actually finish.
A pile of unused coupons is a failed week.
Step 3
Watch the thermometer move
A $38 week is eight days of braces on a $150 payment.
Savings have to change the clock.
What you leave with
The mix is free.
You take the plan with you.
A mix from your monthly number
A short list of places that money already lives in the month.
We will never share or sell your data
We do not sell your mix.
Type the monthly number on your estimate.
See where my monthly payment livesThis week’s five deals
An example stack, not a live vendor book
This week’s five stay through Sunday.
A new five started today.
0 of 5
Mark a deal you used, then type what you kept.
Marking a deal does not mean you saved the money.
The limit
If the gap is real
Coupons will not fix a month that truly does not have the monthly payment.
If the gap is real, wait, use FSA or HSA dollars first, ask for a longer term, or look at public programs.
We will say that out loud.
For the office
More families start and stay current
Invite a family from a consult.
See who can start, who is slipping, and who is current.
Seed a local book by walking into a shop with a real audience this month.
No treatment charts.
Questions
Lay-by is the old word for setting money aside.
This is your lay-by for braces.
We show a mix, then you prove a week of it.