Not too personal since you don't actually know me! :-)
We had insurance coverage for the first few rounds including meds and monitoring and the harvests and transfers (not that there were any - that helped keep costs down)! After that ran out, the coverage still covered meds and monitoring and we paid 6K for harvest and transfer plus 4K for PGD (we always had to pay for PGD, even when we had coverage). The last cycle was free.
We live frugally and have always had a savings account. We've been able, mostly, to "cash flow" our treatments - paying them off as we go with my husband's salary and the income from our rental properties. It's been a lot of money, at least 30K by now, probably at least 40K, but I refuse to think too much about it. Life is short, very short, and I'd rather spend money on this than on a nice car (mine's 15 years old and running great!) or designer clothes or shoes. They mean nothing to me. And since we're vegan, we already eat a lot of cheap rice and beans. :-)
I didn't find it hard physically at all. The meds didn't mess with my emotions, either, except for the progesterone which turned me into a lunatic. Fun! The waiting and hoping was hard, but in truth I love my boys so much, and I'm so grateful for them, that it wasn't as hard as I'd expected it to be. If it works, great. If not, things will work out overall. My life is blessed and I damn-well know it. I refuse to wallow (much) over what could have been. I'm just moving forward, trying to keep my spirits high, and knowing that we will be okay whatever happens.
Good luck to you!
Mom to two perfect, adorable, amazing boys!
Starting IVF/PGD for a little girl on 5/26/2010
IVF 1: right ovary inaccessible, no transfer (no normal females out of 4 embies)
IVF2: cancelled: severe allergic reaction to Lupron
IVF3: no normal females out of 5 embies
IVF4: 7 eggs retrieved, 4 fertilized - frozen to batch PGD with last cycle
IVF5: 7 eggs retrieved, 1 fertilized. Fresh + frozen to PGD = TWO HEALTHY FEMALES! Transfer 3/11, BFN
IVF6: 6 eggs retrieved, 3 eggs fertilized = ONE healthy female! BFN
IVF7: 1 egg retrieved! :-(, fertilized - frozen to batch PGD with *last* cycle
IVF8: 5 eggs retrieved, 4 fertilized, 3 grew, batched with frozen = ONE healthy female! Transfer 3/4/12 - BFP!!! Miscarriage at 11 weeks. Looks like we're a two-boy family forever!