If finances are affecting your ability to eat well or access fertility support, you can improve your chances of conception by following these financial recommendations for women trying to conceive, TTC.
- Creating a fertility nutrition budget line
- Joining a thrift savings group
- Starting a small side income
- Reducing unnecessary spending
- Buying protein foods in bulk with other women
Fertility requires preparation — not just medically, but financially.
Why Finances Matter In Fertility
Research consistently shows that nutrition, stress levels, and healthcare access influence reproductive outcomes.
Organisations like the World Health Organization acknowledge that malnutrition and economic barriers can indirectly affect reproductive health (1).
When money is tight:
- Protein intake drops
- Medical check-ups are delayed
- Supplements are skipped
- Chronic stress increases cortisol
- Ovulation may become irregular
Fertility is biological — but biology is affected by environment. And finances are part of that environment.
The goal is not to create pressure.
The goal is to create strategy.
The first thing to do is:
1️⃣ Create A “Fertility Nutrition” Budget Line
Most households budget for rent, transport, data, and school fees. But very few women create a specific nutrition allocation for conception.
How to Do It:
- Calculate your monthly income.
- Set aside a fixed weekly amount strictly for protein-rich foods.
- Treat it like a non-negotiable bill.
Even ₦3,000–₦5,000 weekly, intentionally allocated, can cover:
- Eggs
- Beans
- Soybeans
- Groundnuts
- Dried fish
When nutrition becomes intentional, it becomes sustainable.
2️⃣ Join A Thrift Savings Group (Ajo / Esusu)
Community savings systems are powerful in Nigeria and across Africa.
By joining:
- You reduce impulse spending.
- You create structured saving.
You can target your payout month for fertility-related needs.
Your payout could fund:
- Bulk protein purchases
- Medical tests
- Supplements
- Fertility consultations
Savings groups also reduce isolation. And emotional support lowers stress — which supports hormone balance.
3️⃣ Start A Small Side Income
This does not require a massive business plan. It requires skill awareness.
Low-capital ideas:
- Home baking
- Catering small events
- Selling snacks
- Reselling groceries
- Digital skills (social media management, content writing, Canva design)
- Online tutoring
Even an extra ₦30,000–₦50,000 monthly can transform:
Food quality
Supplement consistency
Access to healthcare
Fertility preparation is long-term. Income stability reduces hormonal stress.
4️⃣ Reduce Unnecessary Spending And Redirect It
Audit your spending for 30 days.
Ask:
- How much goes into data bundles?
- Fashion?
- Frequent takeout?
- Unplanned transfers?
This is not about guilt. It’s about alignment.
Redirect:
- Entertainment spending → protein foods
- Fashion upgrades → supplements
- Impulse shopping → medical checkups
Small financial discipline compounds into biological advantage.
5️⃣ Buy Protein Foods In Bulk With Other Women
This is strategic.
Buying in bulk:
- Reduces per-unit cost
- Ensures consistent supply
- Encourages accountability
For example:
5 women contribute to buy a bag of soybeans.
- Share equally.
- Repeat monthly.
This community approach lowers cost barriers and builds support networks.
The Psychological Dimension: Removing Shame
Many women feel silent guilt when finances limit fertility efforts.
But here is the truth:
Fertility is not just spiritual.
It is not just medical.
It is also economic.
Shame paralyses.
Strategy empowers.
Your fertility journey deserves planning, dignity, and intelligence.
Conclusion: Strategy Over Shame
You cannot always control timing.
You cannot always control biology.
But you can control preparation.
When finances are a barrier:
- Budget intentionally
- Save strategically
- Earn creatively
- Spend consciously
- Collaborate wisely
Preparation increases confidence.
Confidence reduces stress.
Reduced stress supports hormone balance.
Your fertility journey deserves strategy — not shame.
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