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GRS/SRS funding

A question for those of you, who had GRS/SRS and are from the countries, where the state or private insurers don't refund it even partially. [1] How did you fund it? Have you saved enough in case you earn rather good money? Created an internet fundraiser or at least a tip jar and "campaigned" for it? I'm single (and have been since, well, very long time) and although I earn well, I'm very anxious about finances, especially that I still have a mortgage. I'm worried about stable income too and to have enough savings to not suddenly be homeless in case of losing my job...

[1] I'm from Poland, it's one of those countries.

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