Good morning ladies. This is going to be a long post. I would appreciate you guys reading it & giving me your honest feedback. Thanks.
I have an update on the grant. I can’t really say if it is good news or bad news. I am processing it & looking at it at several different angles. So the website stated application deadline was Sept 26 & the decision would be announced on Oct 1. I was a little skeptical at this timeline, but figured whatever. So yesterday I look on the website not sure how we would be notified of a winner. Nothing there…same Oct 1 announcement date. I forgot all about it then remembered before bed. Checked the website again…the announcement date now says Nov 15. I think somewhere in the back of my mind I always feared this would happen. Everything in our paperwork says 6-8 weeks for processing…so I never knew how they were going to announce 5 days after the application deadline. Plus that was a postmarked date…so applications are still accepted if postmarked by Sept 26. So of course calendars are running through my head, can I still make this happen…all kinds of questions. Just FYI, funds cannot be used on services already paid for. So I can’t do IVF, then win the grant, then give them a bill I already paid. Also, my IVF paperwork says my total is due when I go to my education class. Can you guys let me know how funding happened at your offices? So anyways…I feel like even though the timeline would work for me to just be on BCP until Nov 15 then start everything, my education class & all the other preparation would be happening way before so nothing is rushed. I really do not want to wait…and I can’t push it back any further because that would put me into the holidays and the issue again at work with time off. Also with all the money spent so far, I want any other major medical expenses to happen in 2014 for tax reasons. So I have a dilemma.
I am not upset right now…just torn…I feel like I know what I want to do, but would love some feedback. Here are some of the ways I am looking at this. I really want to move forward. I know it is possibly stupid to just ignore the grant, but I just am so tired of waiting. Believe me, I do not see the money about to be spent as small change. We would need a loan to pay it. We have all the loan details figured out…basically a backup if the grant does not succeed. We are not poor or living pay check to pay check. We could def cut back a lot in order to get the loan paid down quickly. Plus we need to do that anyways to prepare for the expenses of a baby. I have sort of thought this whole time we are not high on the list of people to receive the grant. We have decent jobs, 401K, small savings, little debt (not counting the house), and my husband has stock options at work. We are way luckier than a lot of people. So part of me is thinking just move forward. If I win the grant, maybe it is just good karma to say someone else out there needs it more. Please guys, give me some feedback.
Of course, I plan to double check the payment process with my clinic. If I have to pay on the education class day, I guess it depends on when the classes are. I wanted to start my IVF meds the last week or 2 of Nov to allow for an early Dec retrieval & transfer. So with an announcement on Nov 15, maybe I can get in to a class right after…might put my schedule back a week which would be fine…but still cutting it close. Plus we are in the holidays, so I do not know if that would make the schedules any different.
Anyways…that is my short & not very important or stressful update…LOL! To close this whole thing out…if I am being completely honest with myself…this is how I am feeling: I don’t want to wait, we can make the financing work, I never really expected to win the grant.
Thanks guys.