Feeling Hopeless

This cycle is nearing it's end and I can already tell [because of taking my temperature every morning] that the first round of Clomid didn't succeed is us getting pregnant...

I'm feeling hopeless that it will ever happen for us!

It did not help that two days ago, I received paperwork from the insurance company for my doctor appointment in April, and blatantly written at the bottom is

Infertility services are not a covered benefit

Which means that any further treatment we desire to try [IUI] is going to be completely out of pocket for us.  And after other circumstances this week:

• car exhaust system needs fixing on one car and getting currently getting fixed on the other car
• didn't get the loan [which would have helped us pay off bills] because the college messed up
• needing to pay nearly $1000 immediately because of above reason [granted, it did save us $1000, but it was still money we had saved for other things]
• realizing we needed to do more to build our steps than we originally realized [costing more money]

I'm just really discouraged and not sure if we can pursue the further treatments. 

I know I'm getting ahead of myself, that we still have two more months to try this current method before we would even counsider the IUI, but at the end of a cycle I was so hopefully for [especially since my symptoms were so drastically new this time] I'm just discouraged...