IUI cycle November.

I'm currently on cd 24 and af should show up cd 30 according to when I ovulated. Yes a little early but I tested came back negative. Hopefully I'm wrong. This is the second cycle of letrozole I've done just got my husbands semen analysis results back everything is good with him phew. I however have PCOS. So next month will be an IUI with letrozole my dose will be upped to 7.5 mg and IUI will be the day I get a positive opk. I'm feeling nervous that we are having to move to IUIs. We will try 3 iuis before moving onto ivf and it just feels like the more time that passes the closer ivf gets. The cost of ivf scares me. We have a little bit of coverage 3000 per lifetime. Its not much but will help. Just feeling a little bummed out today😞