Neptune looks like you have some good advice from Justin.
Personally I have found AP to be one of the most enjoyable and calmative aspects of AC. I have normally had AP after transfer but this time I had it the day before as well and then several days after ET.
I am sorry money is tight ATM hun. It is so hard to do all this, work to be able to pay for it and struggle financially, physically and emotionally. If you feel that AP will give you an edge on the success of your cycle (no guarantees but IME a wonderful relaxant and indulgence after all the crap you have been through) then perhaps it is worth doing if you can manage it financially. At the same time though, people do fall pg through AC with no AP. You need to be happy with the decision you can make based on your situation.

Good luck and I hope you can find a solution that doesn't stress you out. I agree try and reduce the stress you may find yourself under.
xx