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Can’t Afford Fertility Treatments? How to Save Money for Pregnancy

You can’t get pregnant naturally, and you can’t afford fertility treatments. What next?

These tips will help you save money for in vitro fertilization or other treatments, so you don’t have to borrow money or finance your fertility treatments.

First, make sure you and your partner are connected and on the same page about getting pregnant via fertility treatments.


“Success in marriage does not come merely through finding the right mate, but through being the right mate.” ~ Barnett R. Brickner.

Part of being the right partner is being on the same page when it comes to saving money for pregnancy and being able to afford fertility treatments. So, the first tip is to talk it through with your spouse and make sure you’re on the same page.

If you’re having trouble coping with infertility, read Infertility Survival Handbook. You’re not alone – and the more support you get from books and other sources of help, the better you’ll feel.

Can’t Afford Fertility Treatments? How to Save Money for Pregnancy

If you can’t afford fertility treatments…

Find two new ways to save money for pregnancy every month

You’ve heard all the smart money saving tips before…but do you actually implement them? Here’s one way to make those money saving tips work: practice two new ways to save money every month. For instance, you could focus on saving money on your grocery bill and reducing transportation costs one month. The next month, concentrate on spending less money on lunches and saving more money by not letting leftover food go to waste.  Don’t try to do it all at once.

If you’re worried about assisted conception, it’s never too early to start planning how you’ll support your partner! Read How to Help a Woman Cope With IVF Fertility Treatments.

Unplug unused appliances

Today, many electronics use power even when turned off. To save money for fertility costs, connect the TV or computer to a power strip and turn off the electricity when not in use. Unplug appliances such as a toaster, coffee maker or spare refrigerator when not in use.

Review bills for errors

Instead of writing checks on autopilot, carefully review credit card, utility and other bills to be sure charges are accurate. If you suspect a problem, contact the provider. To save money for fertility costs, be especially wary of ongoing charges that might have been incorrect from the beginning.

Skip the shopping cart (a surprising money saving tip!)

According to some financial experts, shoppers buy 30% more groceries and other products if they use a large shopping cart. If you can’t afford fertility treatments, use a small basket and buy only what you need. Stick to your shopping list — all those “little” purchases add up fast.

Always pay in cash – and save your change

“We’ve said it before because it’s the most important financial lesson to learn, especially in difficult times,” says financial expert Ethan Ewing. “Do not spend more than you earn. Couples hooked on credit cards should withdraw enough cash each week to cover necessities — even groceries and gasoline — and put the credit cards away. People who pay for their food with a credit card spend 30% more on average than people who pay with cash.”


After paying in cash, sock away the change. Then cash in the full jar and deposit the amount in your savings account for fertility costs. Every dime and dollar adds up!

Find ways to pay less for prescriptions

Ask your doctor if a less expensive, generic medication will meet your needs. Check with a pharmacist about other discount options for which you might qualify, from AAA programs to $4 prescription promotions to state-sponsored discounts.

If you can’t afford fertility treatments, you might find Money for Fertility Treatments – Should I Borrow to Get Pregnant? helpful.

How to Help a Woman Cope With IVF Fertility Treatments also offers good tips for getting pregnant through in vitro fertilization.

And if you’re really struggling with not being to get pregnant naturally, you may find Dear God, Why Can’t I Have a Baby? A Companion Guide for Women on the Infertility Journey helpful. It’s a new book on Amazon, just published.


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What will you do if you can’t afford fertility treatments?

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3 thoughts on “Can’t Afford Fertility Treatments? How to Save Money for Pregnancy”

  1. We could afford in vitro fertilization, but I didn’t want to go that route. I don’t know why…I just saw it as so much work and manipulation of my health, for a very low possibility of getting pregnant.

  2. We can’t afford fertility treatments either. Did you know about the couple who is raising money for pregnancy? They’re selling cookies or something, so they can afford in vitro fertilization.