My advice is not in anyway medical, I think Ellie May gives sound advice and I always pay attention when she posts.
I understand about a budget for non emergency vet bills. I don't know your relationship with your Vet. My vet would work with me (insurance does not cover many things sigh)
Would your Vet do any of these ?
1. Pay $250 now, and the rest on payments ?
2. Move surgery date up until you can afford the entire cost, go ahead and pay what you have now and continue to make payments weekly/ monthly until you are paid in full.
3. Pay what you have now and charge the rest to your credit card in 3 payments ? (like automatic debit for 3 months)
Maybe this will help you in the future, I helped my granddaughter set up a Yorkie 'College Fund' LOL that is what we jokingly call it. She just puts $10 a week in an account. I send her Yorkie, birthday, Christmas, Valentines etc. gifts of $ $ for her college fund. In two years she saved $3,200 for a Yorkie emergency.
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