The Cost of Infertility – 9 Ways to Save Money for Fertility Treatments

Paying for fertility costs a lot of money — read How Much Do Infertility Treatments Cost? for details. These nine ways to save money for fertility treatments are from Ethan Ewing, a financial expert at The one thing worse than not being able to get pregnant on your own is not having the money to pay for in vitro fertilization or intrauterine insemination!

Before the tips, a quip:

“It’s spring fever. That is what the name of it is. And when you’ve got it, you want – oh, you don’t quite know what it is you do want, but it just fairly makes your heart ache, you want it so!” ~ Mark Twain

You may want to get pregnant so much, your heart aches…but money is standing in the way. To learn more about improving your fertility, click on The Fast Track to Fertility: A Modern Guide to Overcoming Infertility by Dr Sherif Awadalla, Dr Michael Scheiber, and Dr Howard Jones. And, read on for money saving tips that will help when it’s time to pay for fertility treatments…

9 Ways to Save Money for Infertility Treatments

1. Live below your income. “We’ve said it before, because it is the most important financial lesson, especially in difficult times,” Ewing says. Do not spend more than you earn. Those who are hooked on plastic can withdraw enough cash each week to cover necessities — even groceries and gasoline — and put the credit cards away. Ewing noted that a recent study by Visa found that people who pay for their food with a credit card spend 30 percent more on average than people who pay with cash.

2. Focus on your needs, not wants. To save money for infertility treatments, understand your income and expenses, and account for these needs before spending money on your wants. “A new shirt for the weekend, new home décor and a flat-screen TV are not ‘needs,'” Ewing said. “Food, home payments, utilities and medical care are needs. To avoid confusing the two, put off purchases for at least 24 hours whenever possible to think about them carefully.”

3. Stay home. You may be able to save an average of nearly $2,000 per year by skipping the far-away vacation. Talk, play games, work on a project or watch a movie to relax instead of heading for the amusement park or the airport. To save money, keep your long-term goal of getting pregnant in mind.

4. Eat at home, not at restaurants. With the conservative assumption that each restaurant meal costs $7, the cost for 4.2 meals per week would mount up to $127 per month, or more than $1,500 per person, per year. To save money for fertility costs, learn to cook a variety of foods and use convenient tools such as a slow cooker to save time, money and calories.

5. Skip the alcohol. Not drinking doesn’t just help you save a lot of money for fertility treatments, it could also boost your chances of getting pregnant! Drink water, iced tea, coffee or juice. At home, choosing iced tea instead of a cocktail will save 50 cents to a dollar per day. In a restaurant, the savings could be $5 or more.

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6. Choose regular coffee. Instead of lattes and other special coffees, drink house or drip coffee (unless you’re off caffeine to increase your chances of getting pregnant). “Your best bet is to make a cup of tea or coffee at home and take it with you,” says Ewing. “Second best is to forego the coffeehouse cachet for a respectable – and cheaper – cup of Joe from a fast-food establishment or doughnut shop.”

7. Do not shop to entertain yourself. To save money for infertility treatments, don’t go shopping for fun. It’s all too easy to start adding items to a cart because you’re bored! Instead, read a good book (get an old-fashioned library card) or learn a useful hobby. 

8. Keep your old car. A car is transportation, not a fashion statement. If you’re tempted to buy or lease a new car, remember that you want to save money for fertility treatments. Better yet, carpool and/or own only one vehicle per family to trim transportation costs even more.

9. Use it up, wear it out, make it do or do without. Do not throw out a bottle of shampoo simply because you’re tired of the fragrance: use it up. Keep jeans past their fashion prime. If the shape of your turkey platter is not perfect for Thanksgiving, does it matter? And do you really need color-coordinated, fabric-lined baskets for your linen closet, or would old boxes work? Think twice before spending your money on things you don’t need.

Are you trying to save money for infertility treatments? I’m looking at almost $15,000 for an IVF (in vitro fertilization) treatment for ONE month…how can couples afford to get pregnant this way?!  is a free one-stop portal where consumers can educate themselves about complex personal finance issues, including credit cards, debt relief assistance, insurance, mortgages, and other loans.

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3 thoughts on “The Cost of Infertility – 9 Ways to Save Money for Fertility Treatments

  • Laurie Pawlik-Kienlen


    Thanks for sharing your experience — and I’m glad you didn’t let the cost of infertility treatments stop you from having a baby!

    I wish you all the best as you decide if you should have a second child…


  • Sheldon

    My wife and I made the mistake of not saving up for fertility treatments. Instead, we charged it all to our credit cards and borrowed money from friends and family….and after six IVF treatments, we finally got pregnant! We’re still paying off the debt, but it was worth it. Now our baby is a year old, and we’re considering a second round of fertility treatments….