Wednesday, May 27, 2009

Almost... but not quite official

I know, I know. Make that week number two of not being a good blogger. I confess. My apologies! I've been preoccupied I suppose. Between either feeling unmotivated or busy with sudden projects, I've just not dedicated any time to this. But I'm back! And it's time to get down to business.

This is the week, as I last mentioned, that we wanted to put our deposit down for our August IVF. Seeing as how tomorrow is Thursday, I'm not sure if that will be happening. First it was that we didn't have our final fancy spreadsheet made (not to worry, it's about 95% done now). Then it was that we needed to check with CapitalOne (who we were going to get our infertility loan through), to see if we should expect a similar rate and approval amount to insure something hasn't massively changed. As of tonight (thanks to a few wonderful IF girls in my local infertility group), I learned that CapitalOne is no longer lending these types of loans due to the state of the economy. How wonderful is that. Like we need one more thing. I was bummed, but was assured that you can used a home equity line of credit for these types of things too (also thanks for that tip!... these girls are good!).

Our new line of attack - Pursue a line of credit
When I mentioned it to Jay, he nicely reminded me (my memory is horrible) that he already brought this up as an option before, but I was very adamant about not wanting to use our home as collateral on anything. Right. It's all coming back to me now. Yes, ideally, I'd still like to avoid this (it just seems so risky I guess), but if that's our only option at this point, then I suppose we need to consider it. The more he explained it to me, the more I suppose it's not as bad as what I imagined it to be. The rate is better than what we would have been getting with the CapitalOne option and we don't have to take it all out at once, but instead just take out only what we will actually need as we go along.

Another reason we're behind schedule is that Jay has been super busy this week at work with a new project that is wrapping up on Monday. He's been doing a little when he has time, but it's not been much. So, when I got home from my IF meeting, I wrote up a doc with local banks and credit unions and their HELOC rates/terms. Yes, I will be bugging the heck out of him tomorrow to make sure he checks into at least a few of them... bugging IS a wifely "right", right? :)

Ok, so after doing ALL of that (a lot of stuff to figure out in a matter of a couple hours), I checked back in with the docs I received several months back from our clinic. Specifically, I was looking to see when the IVF August cycle date was and when their "off" month during the summer way. Up until now, for some reason, I was thinking their off month was the cycle before ours - but, it's not. That was the May cycle. Which hopefully means August won't be *quite* as full already as I thought it might be. Which is nice, however their doc clearly states "We encourage you to put down a deposit two months in advance to the cycle you wish to participate in. A list of our cycles is outlined below. Final payment dates are also included." And just like that too :) I'm guessing that if it's important enough to emphasize, we ought to take it seriously. Then I read, "A refundable deposit of $2,000.00 is required to secure your cycle of treatment with SIRM and the deposit is applied towards the total fees. " which to me is nice because it tells me that we might be ok to go ahead and put our deposit down now (without having figured out all of our stuff precisely), because it is in fact refundable. Again, nice!

Now, onto IVF calendar stuff...
The August IVF cycle at SIRM St. Louis begins on August 17, 2009, which I'm guessing means I would start my first injection of Lupron that day. We will have to have our final payment in full submitted on July 22, so as long as we get everything ironed out well before that date, we should be good to go. I really don't know why I hadn't marked this day until now... I guess it never dawned on me that THAT would be my date and exactly what that meant. It's so nice to be able to mark something more specific on my calendar!

Maybe I should make one of those silly paper chains or something to count down... or would that actually be bad to focus on it that way? I'm going to give this one some more thought. I'd like it to be a preparatory/celebratory thing. Something fun - like looking forward to vacation. After all, it will cost about 3-4 times as much as our jaunt to Turks & Caicos last year did. Yikes!! Hopefully we'll have the best souvenir EVER to show for it.



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5 comments:

Clare May 29, 2009 at 5:24 PM  

Yes I hope so too. The best souvenir you could ever wish for!

Clare May 31, 2009 at 6:11 AM  

Just FYI I tagged you in the 8s that are doing the rounds: http://thepitter-patter.blogspot.com/2009/05/8-x-8-all-about-me.html

Fran May 31, 2009 at 6:42 AM  

I think it's great to feel positive about the start of a cyle, I always think about it as a real chance I have to get pregnant. A friend of mine said to me once that having an embryo or two transferred back into your wumb is a definitely "high-pregnancy-risk" situation!Not long for you now!

The Swann's May 31, 2009 at 9:38 AM  

Oh, the absolute BEST souvenir EVER! No doubt... To think of all the future vacations with you tagging along your baby(ies) and memories to be made! I can't wait until you make it all official! :-) Praying for you two!

vintagemother October 26, 2009 at 3:36 PM  

Hi Cathy, I'm, not sure if you're still checking this blog, due to being busy with the Tweedles, but I just want to tell you I'm going back and reviewing some of your earlier posts (from when I wasn't checking your blog obsessively), hunting for more information on what to expect in my cycle. I think it's neat that you were talking about a count down paper chain, since that it what I've been working on creating, since I'm FINALLY at the point you were at back in July/August. I noticed some other similar concerns you had that I have. Take Care!

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