To make a long story short, my husband and I really want to have a third (and final) baby. We have two wonderful little boys right now and would love to add one more little one to our family. Both my husband and I have discussed it for quite awhile now and definitely want a third. Recently I became a full time SAHM, so obviously our finances have changed and "extra" money isn't too easy to come by.
The problem is this: We absolutely HAVE to seek fertility treatment in order to become pregnant. Getting pregnant without infertility treatments is impossible, as my husband has a ZERO sperm count. (unknown reasons...) Our only way to get pregnant is to use donor sperm and to do artificial inseminations. It worked beautifully with our first three children, all conceived on either the first or second cycles of treatment. ( Yes, I did say our first THREE. Our beautiful first born, our daughter, Alyssa, died shortly after being born a few years ago. So, I am a mommy to three babies already, but only two are here with me...
)
I guess part of me is yearning to have another baby girl. I still have all of Alyssa's beautiful pink little outfits... I would be happy with ANY child, as I love my baby boys more than life itself...
We would lovingly welcome any child, boy or girl, into our family. I guess we just feel like we are supposed to have one more...
The hard part of all of this is that fertility treatments cost quite a bit, with medications, donor fees, docs. appts, etc. My MIL helped out quite a bit with our first few "rounds". That helped us out so much! When we recently told her that we wanted one more child, she flat-out refused to help this time. Let me note that she is very well-off and my husband is her only child, although I DO NOT feel entitled to any of her money. I think it is because she is upset that I have become a SAHM. (She is VERY career oriented. She has a very high powered position in the government, which took her YEARS to acheive and I think she sees me as "wasting my life" and/or "living off of her son") She has always been very critical of SAHM's, as she was never one to put her family first. I love her dearly, but we have very different priorities in life.
Because of recently becoming a SAHM, we just cannot figure out how to afford the fertility treatments... It will cost somewhere between $3-5k, which we certainly do not have "extra". We can afford our monthly bills comfortably, even putting some in savings each month, but nowhere's near enough to pay for an extra $3-5k worth. We could definitely afford one more child, but cannot afford the cost to GET pregnant. Seems so unfair...
(oh yah, we have pretty decent medical insurance, but they'll pay NOTHING towards infertility treatments... we tried with the first three...)
So my question to those of you who have hung on long enough in my post to get to the question is, without any help from family, do you have any suggestions on how we can come up with that kind of money? Without going into big time debt?
Thank you for your suggestions.
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