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Dollars and Sense

by Evelina Wideman Sterling

While you’re still feeling motivated about getting your new year off to a great start physically and emotionally, there’s another area of your life that may need a tune-up: your financial health.

Making – and keeping -- these six financial resolutions can help you get the treatment you need in 2010:

    1. Talk to your HR person about maximizing your medical spending and knowing your options (i.e., flexible spending accounts, health savings accounts, retirement savings, adoption assistance).

    2. Talk to your accountant about medical tax deduction benefits. Start – and continue -- the year by saving receipts for and keeping track of medical expenses for potential 2010 tax deductions.

    3. Know your insurance benefits! Talk to your insurance representative. Get to know all the ins and outs of your insurance policy when it comes to fertility and family building, especially any changes for 2010.

    4. Make a plan defining your boundaries regarding time, energy and/or money. You wouldn't start a long road trip without a map. Don't start your 2010 fertility journey without a plan.

    5. Don't forget to keep your doctor in the loop about your budget. He or she has no idea about your financial situation. It's up to you to keep your doctor informed. Don't be afraid to talk money. Most people have financial limitations, and you should not be shy about this either.

    6. Be proactive about saving money. Any money saved could mean the difference between getting to try another cycle (or treatment option) or not.

Best wishes for the New Year!


Evelina Weidman Sterling, PhD, MPH, CHES, is the co-author of Budgeting for Infertility: How to Bring Home a Baby without Breaking the Bank along with several other best-selling and award-winning books about fertility, including Having Your Baby through Egg Donation, Living with Polycystic Ovary Syndrome (PCOS), and Before Your Time: Living Well with Premature Ovarian Failure and Early Menopause. She is also the co-founder of My Fertility Plan, an innovative company that provides patients with the information, skills, and tools they need to fully understand their own individual fertility and progress through their infertility treatments in the most effective and efficient ways possible.

6 TTC financial resolutions for the New Year!

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