overwhelmed

[RebeccaGreystoke82]

It's 4:12 am and I can't sleep. I had a phone call today from the fertility clinic saying things are going to move fast now into the next stages. I paid for consultation and treatments and have now run out of funds! I couldn't tell the woman on the phone, instead I had my first ever panic attack, threw up in the toilet and I swear I nearly fainted. I have been crying all day. I can't accept that I don't even get a shot at this! they say that time is of the essence as I am getting older and have problems and they are saying that my partner is basically drying up. We set up a Go Fund Me page hoping that friends and family would give but I think most of them are pretending they have not seen it. I feel a bit lost :(

Go fund me pages tend to have a mixed response I'm afraid. We talked about it with our family and the generally response was if we couldn't afford a loan for IVF how did we expect to afford to raise a child? They were right in the end. We lived like we had a child for a year - the cost of childcare starts around £900 a month or the cost of losing a wage to have a stay at home parent around £1300 - so we set aside that amount away per month and within a year we saved enough for one round of IVF. We also took out a 5 year loan for £275 a month and that got us 3 rounds of natural modified IVF

I'm really sorry, this must be really stressful for you. As previous poster says, go fund me pages don't always go down well. Have you been referred through the NHS? You should be eligible for some sort of treatment if you don't already have a child (depending on your age).

You could explore loans or remortgaging your property if you own one? However if your finances are fragile enough to not be able to do either of those, and you don't have any savings, it might be worth living very frugally for 6 months and seeing how much you can save? I would let the clinic know sooner rather than later you will have to delay 6 months - I'm sure they won't mind. It must be really hard when this is clearly something you want so much, I am sorry,