Woof. For us, the financial aspect of infertility was probably the most stressful. We have easily spent $15,000 at this point and that is cheap compared to a lot of couple’s expenses. It’s hard to spend that kind of money only for a chance of becoming pregnant. There are no guarantees unless you go to a clinic that offers those programs and it’s still a gamble. They’re generally more expensive up front, so if you get lucky and get pregnant on your first shot, you’re out a lot of money!
We took a year off to save up the money for IVF because the money is due upfront and we also wanted to use that time to get in the best health that we could. Here are some of the ways we raised money:
- GoFundMe. We had some awesome friends (Katie from BurritoBuzz and her husband) who asked us if they could set up a GoFundMe account for us. This was an amazing gift and it helped us raise a good chunk of money without having to do a lot of work. This was great too, since our goal was to also raise infertility awareness.
- Garage Sale. We had a massive garage sale. It was huge. My mom and I cleaned out her basement and we also had a lot of people donate items for us to sell. I advertised it on a local buy/sell/trade page and that really helped. A lot of people who stopped at the sale also wished us well with IVF and that was very sweet.
- Cookie Fundraiser. This one might not be as feasible for everyone, but I went to culinary school for pastry arts. I worked at a bakery and they offered to let me make and sell an item at the bakery, and the profit would go to our clinic for our IVF. I chose to make giant triple chocolate chip cookies. I did the work off the clock, but it was definitely worth it!
- Pinched Pennies. We had a lot of game nights at home. We’re homebodies anyway, so this wasn’t too hard! We didn’t make ourselves miserable, but by cutting back on a few “extra” things here and there, you can save a lot of money. Most of our friends understood and were happy to have cheap date nights with us!
- Apply For Discount Drug Programs. Our clinic provided us with forms to apply to both First Steps and Compassionate Care discount programs. They’re income based IVF drug discount programs. Our nurse also suggested writing a cover letter and we were offered 25% off from both companies and these discounts are good for one year.
I’ve made friends with people who have gotten loans specifically for IVF/infertility treatments with low interest rates, so that’s another good option! There are also grants you can apply for. Another idea is to open a credit card that offers no interest for a certain amount of time. I’m a firm believer that if there is a will, there is a way!!
With all of these tips, we raised a huge chunk of the money that we needed for IVF. We couldn’t have done it otherwise. I know a lot of people never get to pursue IVF strictly due to the enormous cost, so I hope that this might give you some options before giving up!