Ways You Can Save Money to Prepare for Surrogacy

A Beginner’s Guide to Charting Your Financial Pathway to Surrogacy:

Surrogacy is a life-changing event that offers a path to parenthood for those who cannot conceive or carry a child. However, it can also be a costly endeavor. To ensure a smooth and stress-free journey, it’s essential to prepare your finances in advance. In this beginner’s guide, we’ll unveil the surrogacy savings superpowers that will help you build a solid financial foundation for your surrogacy journey.


1) Knowledge is Power: Understand the Costs of Surrogacy

To prepare for the financial demands of surrogacy, start by understanding the expenses involved. Costs can vary depending on factors such as the type of surrogate, experienced or new, agency fees, legal fees, medical expenses, and compensation for the surrogate. Research these costs thoroughly to set a realistic savings goal.

Sources for cost estimates:

  • Surrogacy agency websites
  • Online forums or support groups
  • Consultations with experienced surrogacy professionals


2) Budgeting Basics: Create a Surrogacy Savings Plan

Develop a detailed budget outlining your expected expenses and a timeline for saving. Break down your goal into manageable monthly or yearly savings targets. Track your progress and make adjustments as needed to stay on course.

Budgeting tips:

  • Use budgeting apps or spreadsheets to monitor your expenses
  • Set up automatic transfers to a dedicated surrogacy savings account
  • Allocate bonuses, tax refunds, and other windfalls to your savings


3) Minimize Your Money Drain: Cut Unnecessary Expenses

To save money effectively, identify areas where you can cut back on spending. Analyze your expenses and separate necessities from luxuries. Eliminate or reduce non-essential spending to maximize your surrogacy savings.

Cost-cutting ideas:

  • Dine out less and cook at home
  • Cancel unused subscriptions or memberships
  • Shop smarter with coupons, sales, and discount apps


4) Boost Your Income: Explore Side Hustles and Passive Income Streams

In addition to cutting expenses, consider ways to increase your income. Side hustles, freelance work, or passive income streams can provide additional funds for your surrogacy savings.

Income-generating ideas:

  • Offer services on freelancing platforms
  • Sell handmade crafts or digital products online
  • Invest in dividend-paying stocks or rental properties


5) Fundraising and Financial Assistance: Seek Alternative Funding Options

Explore alternative funding sources such as fundraising, grants, or loans to supplement your savings. Crowdfunding platforms, surrogacy grants, and low-interest loans can provide financial relief for those who qualify.

Fundraising and financial assistance options:

  • Apply for surrogacy grants from organizations like Men Having Babies or Baby Quest Foundation
  • Research low-interest loans specifically for fertility treatments or surrogacy


In conclusion, preparing for surrogacy can be both exciting and challenging. By understanding the costs, creating a savings plan, minimizing expenses, boosting your income, and seeking alternative funding options, you’ll be well on your way to achieving your surrogacy goals. Remember, knowledge is power—so equip yourself with the right information and resources to unlock your financial potential.



  1. American Society for Reproductive Medicine. (2021). Assisted Reproductive Technologies: A Guide for Patients. https://www.reproductivefacts.org/globalassets/rf/news-and-publications/bookletsfact-sheets/english-fact-sheets-and-info-booklets/assistedreproductivetechnologies.pdf
  2. Men Having Babies. (2021). Surrogacy Grants.
  3. https://www.menhavingbabies.org/assistance/
  4. Baby Quest Foundation. (2021). https://babyquestfoundation.org/

Circle Surrogacy & Egg Donation. (2021). The Cost of Surrogacy. https://www.circlesurrogacy.com/

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