Hawk52: The reason why I don't rush to do it though, is I found out recently that we've been pretty much living off credit cards for the last few years. I think things are better now, but I can't assist financially much, and I refuse to put us any further in debt.
But there's only so much you can do being stubborn. If the pain gets to be too much or I start having serious health related issues, there isn't much I can do but have it done. :(
I'm 99% sure that the longer you wait, the more it will cost. I think it will get just worse and worse if you don't treat it ASAP.
I also thought that maybe I could live with my wisdom teeth, but when I finally got them removed (lower ones needed surgery because they had no room to grow out properly, which is what caused them problems), the dentist said something like "About time you got them fixed, there was some nasty pus pouring out of your gum when I simply gave you the anesthesia tine...".
If your wisdom tooth (usually the lower ones) have no room to grow out, it is important to get them out soon because the longer you wait, the deeper they grow (because the only direction they can grow is down, towards your jaw bone). If the roots grow deep enough around the nerves in your lower jaw, the nerves may get damaged when you finally have to remove the teeth, which at worst case may mean you lose touch in your lower jaw and lip (but hey, you'll survive).
In my case they took X-rays from the lower wisdom teeth beforehand, but couldn't tell for sure if my nerves would be in danger. All is well, it went ok and I still feel with my lower lip. :)
Also, in general the older you are, the faster the wisdow teeth may be rooted (kind of ossify themselves into your jaw, as far as I've been told by a dentist). My mother didn't get her wisdom teeth out until she was quite old, and it took quite awhile to get them out.