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Step 3: Bridge the gap

3.1 Dedicated IVF account

• Open a separate account (or sub-account) to reduce mental load
• Automate transfers after payday
• Track progress (simple and private)

3.2 Friends and family support

• Small gift exemptions may help with planned contributions
• For loans: consider a written agreement (even if informal)
• Some family members may prefer paying costs directly

3.3 Borrowing

• Credit union / personal loan / specialist finance (compare total cost)
• Keep an eye on credit reporting implications for future plans

3.4 Assets and budget changes

• Look for expenses you can pause temporarily (not forever)
• Review assets you can sell (practical, not emotional)
• Protect core commitments where possible (housing, essentials)