We increased our mortgage to redraw on the funds which was cheaper than using a higher interest credit card and we would pay back into it with the medicare refunds. It turned out we did 4 cycles (1 fresh, 3 frozen, pregnant on the last fet). If we had tried to save we wouldn't have been able to do the back to back cycles. Once you reach the safety threshold the cost is not too bad either.
This way the cost was off our mind and we could be stressfree (financially) whilst going thru the cycles.
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