Holding back the pennies when TTC

This article first appeared on IVF Babble

If you are thinking about starting IVF next year you are probably dreading the extra expense of Christmas. With the cost of IVF varying between £4-12k across the globe, every single penny in your purse counts. Read on to find out how you can hold back the pennies this Christmas.

image of piggy back in santa had holding back the pennies at xmas

A typical household in the UK spends over £2,500 each month, but in the run up to Christmas, budgets tend to go out of the window, and this figure increases by around £800.

We turned to our finance experts, Access Fertility, for some tips on saving money this Christmas, so that you can keep your savings in tact.

“The first thing to remember (without trying to put a dampener on the festivities!)  is that Christmas is actually just a few days out of the year when you have a roast dinner with your family. Instead of focusing on the gifts and food you can’t really afford to splash money on, think about what follows Christmas – the next steps of your fertility journey!!

What will you need to spend?

Before you start your Christmas budget, work out what you will need to spend on your IVF. If you haven’t already, do your research about which clinic you want to have your treatment with. Look at the cost of treatment, talk to the coordinators and discuss the prices of additional tests and medication. Look at statistics and make a mental note of the fact that an IVF cycle rarely works the first time around. So how much will you need? How much can you afford? Make sure you gather as many answers to your questions as you can.

You can also give us a buzz for a chat. We are the first, the largest and most trusted provider of IVF Refund, Unlimited & Multi-cycle programmes in the UK. We offer patients the chance to fix the cost of IVF treatment, make a saving and receive a refund of up to 100% if you don’t have a baby. We can talk you through our plans that really take an element of financial pressure off your shoulders.

image of cartoon christmas carollers holding back the pennies at xmas

Alternative Christmas activities

Once you have an idea of what you can or cannot afford, write a list of those close to you that you want to celebrate Christmas with. If you are close to starting treatment, the chances are you are eating well and cutting down on your alcohol intake. This lifestyle change will automatically take some pressure off your wallet, especially as the average glass of wine in London is £8!! Scandalous!!

As an alternative to a boozy Christmas Eve in your local pub, why not wrap up warm and go for a lovely walk through your town or local village to look at the Christmas lights, then stop in for just one glass before home? (Just one!)  Or, if you enjoy singing, why not go old skool and go carolling! If you’d rather stay warm and cosy, perhaps indulge in an epic hot chocolate with all the trimmings and stick on your favourite Christmas movie?

Meaningful gifts

We always suggest giving gifts that actually mean something rather than gifts that cost money. If you are telling your family and friends about your plans for treatment, why not be honest with them and explain that this year you are giving gifts that mean something rather than costing a fortune so that you can focus on the future.

We heard from a couple recently who gave each of their family members a gratitude jar each. We thought it was such a beautiful idea, not because it costs so little to make, but because acknowledging thanks for the things you have in life is a coping technique that is often used by men and women going through fertility treatment. (https://positivepsychology.com/neuroscience-of-gratitude/) It is suggested that you write down a list of all the things you love about your life, whether it be your home, your partner, a picture on your wall, the lasagne your mum makes or the view from the top of your favourite hill. Give your loved ones a little jar, a pack of post it notes and a pen. The aim of the jar is to pop a note of gratitude in  to the jar everyday. Why not gift yourself one too?

Look after yourself 

The Christmas period can be a very stressful time, especially when all you can think about is having a baby whilst everyone else around you is polishing off the Baileys. Don’t let anyone pressure you into doing anything you don’t want to, or spending money you don’t have. If you and your partner want to bunker down and simply get through this holiday with your wallet still in tact, then do it. Focus on the future. Focus on you.

As we mentioned earlier, if you want to have a chat about our financial packages, drop us a line

Ready to get started?

Call Access Fertility for a free no obligations chat to discuss your options.