1. Good luck with the decision to have a baby. Fertility treatments are definitely not frugal. I went through all of this back in 2008/2009. One big tip is to cook your husband/partner cooked tomatoes at least once a week (seriously). Also floss your teeth and eat super healthy yourself, including greens.

    • pia

      Indeed, they aren’t! Although at this current point, the treatment we need is via a fertility clinic but not one to do with actual fertility as fertility is not actually the key problem here. Sorry, that sounds confusing! We do eat a lot of cooked tomatoes actually and greens because we maintain an 80% vegetarian diet though I never knew the link between tomatoes and sperm count till now – thanks for the tips!

  2. All of the health expenses really add up, don’t they? Still, how good does it feel to know that so far you have had the money there to be able to spend it? I believe DDU required fertility treatment as well, so they might be a help to you for questions or understanding. I hope that further physio fixes your arm. In this day of computers being so integral to both work and home life it’s essential to be able too use them comfortably.

    It must be exciting to be able to pick things for the bathroom reno – it’s finally becoming real!

    • pia

      They do, and I sigh and wish we didn’t have to be paying all these health expenses. Really, I feel like we are too young to have constant medical bills! Lol. But age really has nothing to do with it, I need to get my head out of the clouds. Yes I think you are right that DDU did require fertility treatment. We are still quite early on in our journey, we don’t even have our first consultation booked in yet. We live in hope that we won’t need IVF and will only need one of the lesser forms of fertility services that are offered.

      We picked out everything for the bathroom just the weekend gone, and omg! 2.5 hours of spending money with wild abandon. Well, in theory. We picked out our wishlist items and the builder will get back to us with the complete figures soon and hopefully we are still alive and not dead from shock after seeing the new quote. If we get to keep everything, it will all look fantastic!

  3. Hi Pia, your savings rate is awesome! If i understand it correctly, your extra optional mortgage payments + investing mean your savings rate is actually much higher than you give yourself credit for?? Say almost 60%!? Incredible stuff 🙂

    • pia

      Hey hey, thanks for stopping by! And thank you too for pointing that out. I don’t count investments as savings because it’s money that’s gone out of my account, so not within my direct sight anymore. But yes, if you include those then I do believe my savings rate would be quite a fair bit higher. Now I feel chuffed!

  4. Pia, you are completely crushing that savings rate – I honestly am mind-boggled with all the expenses that you’ve got going on!

    As Mrs ETT said, we are definitely here for you on anything fertility related if you want an ear to listen, or any questions. Are you on Twitter? Feel free to send us a Twitter message any time. Even if your fertility problems are a lot different to ours (we’ve never actually disclosed what our specific circumstances are to the blog-world), sometimes it can just be nice to talk to someone who understands the process, ins and outs of it all and doesn’t say silly things like “it’ll happen when you least expect it! Just relax and it’ll happen”.

    Either way, you’re very courageous to be putting such personal struggles out there, you’ll be in my thoughts.

    Mrs DDU

    • pia

      I am refusing Twitter, having quit it a few years ago. But perhaps email might be the way to go! Thank you for your encouragement, and your offer for an ear. I must say that having people tell me “but it’s only been a year since you got married, just relax and don’t stress” is terribly annoying!

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