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  1. #1111
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    thanks Precious xx

    good luck with the bank today Blossom

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  3. #1112
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    @Rubywoohoo I'm so very sorry. You must be devastated (understatement I'm sure). Massive hugs hun, .
    @Bongley You're in my thoughts. xx
    @infinity888 Super fingers crossed that you've found your answer.
    @BlondeinBrisvegas Congrats on DD walking. It would seem she's motivated by chocolate like her Mummy...and quite rightly so I say!! (I've just polished off a mini GU chocolate cheesecake pud for breaky, as my commiserations for yesterdays official BFN!!!)
    @midnite01 Good call on waiting a month but poo about not getting the reduced rate of stamp duty. Any reason why?
    @Blossom74 Good luck with the bank. You're definitely seen as having reduced earning capacity as soon as the word 'pregnancy' is mentioned, which I completely understand. I can't remember the specific formula that's used but it might only be that they take 20% of your earning capacity into account, for example, and 100% of DH's. Hypothetically, if the bank decides you're too high risk, can DH take the loan out soley in his name? I'm not trying to be a downer. I just want you to get the loan so you can get those embryos in!!
    Hi to all the girls, .

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  5. #1113
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    @Tahli you can only get reduction in stanp duty if property is under 600k. Seriously where can you find a place with decent block in melb for under that????

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  7. #1114
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    Quote Originally Posted by Petal40 View Post
    We were pretty tight with $ and took $15000 over 5 years, repayments were $100 a week. 2 1/2 years in we decided to change our home loan, roll everything together, and we got some extra money for house renovations. It's actually costing is less in repayments now doing it that way & got rid of the personal loan. Just be careful with a credit card. If you can get one that's no interest for 12 months, great, but be aware of what the interest rate is when that period finishes as it will be higher than a personal loan interest rate. I'm sure if you're approved for an unsecured personal loan, what you use it for is up to you. We were up front about it & no one cared.
    Good luck
    Yes, I'm a bit wary of credit cards myself. When I met DH I had a HUGE credit card debt. I got it all paid down in due course but it scared the bejesus out of me and I don't like the idea of going back there again! I think I feel more comfortable with a personal loan to be honest. At least then I can see the finish line

    We are renting so it's not an option for us to draw down on a home loan unfortunately. No matter, we'll figure it out somehow. I'm STILL waiting on a phone call back from my clinic with a rough cost estimate. I did call them yesterday and told them I had an appointment to discuss financing at the bank. A rough estimate would be so helpful, lol.

    Does anyone on here have any idea of what we might pay OOP for a donor cycle, including transfer into me afterwards? I have to factor in potential travel/accommodation costs for my donor also. An estimate of $xxx max would be fantastic, and something for me to go on

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  9. #1115
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    Maybe 6-8k. My normal own egg cycle is around 6k out of pocket.

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  11. #1116
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    Quote Originally Posted by Tahli View Post
    @Blossom74 Good luck with the bank. You're definitely seen as having reduced earning capacity as soon as the word 'pregnancy' is mentioned, which I completely understand. I can't remember the specific formula that's used but it might only be that they take 20% of your earning capacity into account, for example, and 100% of DH's. Hypothetically, if the bank decides you're too high risk, can DH take the loan out soley in his name? I'm not trying to be a downer. I just want you to get the loan so you can get those embryos in!!

    Yes, absolutely hon. Any way we need to do it we will. That's why I was thinking of applying for a loan in our joint names. DH definitely is the major breadwinner here and I think I will need his name on it to get us over the line. I am only part time and this is a quiet time of the year in my industry so my wages are lower now than what they will be after June. I am considering looking for additional part time work to fit in around my primary job too. Years ago I used to do a bit of hospitality - waitressing etc. I really enjoyed it! We have a lot of services clubs up our way so maybe there's an avenue for me there. Even if I only got 2 hours a night for 2 nights a week, that would still be an extra $60-$80 a week in my pocket. It would probably cover the loan repayment!

    Our local bakery was advertising for someone a few weeks ago too.

    DANGER! DANGER!

    I would want All. The. Cake.

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  13. #1117
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    Quote Originally Posted by midnite01 View Post
    Maybe 6-8k. My normal own egg cycle is around 6k out of pocket.

    Really?! Are you serious?! I was thinking it would be WAY more than that! I don't think you get the Medicare rebates if you're doing a DE cycle. We thought we'd be looking at $15K or so!

    Gosh I hope you're right!

    ETA: We paid $6,500 for our last stim cycle. That's the OOP portion, after Medicare rebates. It also includes a night's accommodation, fuel, hospital fees for DH and I and the anaesthetist.

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  15. #1118
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    Sorry @Blossom74 i thought you were talking about the oop costs. I reckon a donor cycle would be about 8-12k before any rebates?

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  17. #1119
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    Our clinic charges me about 9k i get about 5k back from medicare and my specialists fee is about 800 out of pocket. We have top hospital cover so no cost there.

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  19. #1120
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    So I was talking to my Dad on the phone last night. He was asking what we'd been up to so I started telling him all about our DE plans, and said that if that was not financially viable we would look for donor embryos.

    He said (and I quote) "But then it wouldn't be your baby. I don't know, it would be someone else's child, not yours."

    Sigh. My Dad is 76 and it's a lot for him to get on board with I suppose. He doesn't get it. I told him that if we used DE it still wouldn't be genetically mine but he reckons "Yeah, but at least it would be half DH's." He baulked when I told him the money we were looking at borrowing too ("What does DH think about that?") I am just going to try and forge ahead. Hopefully he'll come around to it in due course.

    It did make me nervous though. I've only heard good things about ED but I do worry that I will find a donor who is generous enough to make an offer, only to go on and either not carry through with it, or produce a dud cycle. It's a big risk....
    Last edited by Blossom74; 22-03-2016 at 08:28.

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