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I feel hopeless...like I could never afford one...

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Having kids is....
  Expensive.
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Oni no Tenshi

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PostPosted: Tue Jan 23, 2007 1:15 am


One of the most upsetting things in my experiences, is that I have a desire to have children in the future (within five years or so), and yet I feel that it would be impossible.

The main reason? Money.

I know that pregnancy, childbirth, and childrearing is expensive.

It's even more expensive if you have to pay for daycare or one parent stops working to take care of the child/ren.

But I just don't see how it will be possible for me to afford even ONE child in the future, and it makes me feel horribly irresponsible for even selfishly WANTING to have children in the first place.

And if I got pregnant now? I don't know what I'd do, because I would feel horribly ashamed if I couldn't give that child the best of everything from prenatal care to parenting, but I wouldn't want to just abandon it or kill it through abortion.

What are your feelings about having children, responsibility to them, and the funds required to give children "the best"?

Even if I want to stay at home with my (future) kids, I probably won't because my husband wants to be a psychologist, and that's an independent business, so I would need something stable and with benefits so our kids would have a steady income and a steady healthcare/benefits package in case of accidents.

Sometimes it makes me want to cry or knots up my stomach so much when I think about it.

After all, I'm 22, married, out of college (with a BA and an AA), and I'm only working at Office Max right now while trying to find some kind of job that will take an English Degree and not pay me minimum wage.

So, in essence, I feel like I'm stagnating, like I have no real future of any worth, and all this intelligence and money for my degree is going to waste.

What is your take on these issues?
PostPosted: Tue Jan 23, 2007 8:36 am


Well, as long as you're a morally responsible person and not having a child for some ******** up reasons, I know it's been said quite a few times by myself and other fellow moms, there's really no "right" time for children.

I mean, I *gasp* haven't finished college and it was more beneficial financially (and for my personal reasons) for me to stay home with the children. While yes, children CAN be expensive, I think sometimes it's grossly overestimated the costs. Over a lifetime, oh lord no telling, but I feel okay with having my children even though there's people who have their opinions about the "right" time because they have healthcare and they have the necessities.

We have minimum in savings, I use government assistance. Even when my first son was born, he suffered for nothing. It was incredibly hard and I don't know how we got by that first year. But he was happy, healthy, and I wouldn't change it for the world.

Now, I know it can't hurt to have some idea of what to do in case of pregnancy or have a thought out plan, but shoot, I know if we were to go by those people who don't have children's checklist, I'd be 30ish, my husband 36ish before we started our family. And seeing how old my ILs are, I personally don't want that. So, I think the best is all relative.

lunashock


LorienLlewellyn

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PostPosted: Tue Jan 23, 2007 12:03 pm


That's great that you are even thinking about this stuff. So many people run off and have babies without even giving a thought to the cost and time that will be required.

Well, like luna said, what everyone considers the "right time" to have babies is a little different. I can tell you what I think is the absolutely most ideal time and situation to have a baby, but heck, I doubt I'll have my own future baby in that ideal situation.

Luna, don't blame the unrealistic expectations of when to have children on people without children. xp If you ask my father, he'll tell you no one should have children until they own or are paying off a house, have a new vehicle, and at least $10,000-$15,000 in the bank (without scrimping too much, that money should be extra money for college or something). xp It's possible that that is where I will be when I have a baby, but I kind of doubt it. As we have said in other threads too, houses aren't for everyone. My mother loves apartments because she doesn't have to worry about fixing anything. She had one apartment that cost more every month than a lot of people's mortgage payments. My father, on the other hand, is a house person all the way and thinks they are necessary for the rearing of children. xp That's his opinion, and it worked for him. It's not a bad plan, it's just not a plan that is for everyone.
PostPosted: Tue Jan 23, 2007 9:40 pm


I may not have children but I will toss in my opinion anyways.

I do have some adult friends, this is what I have gathered from them;

Keep your expenses in mind but dont let them rule you.
There is no right time to have children. We just sort of pop up out of no where sweatdrop
Remember how you were once a kid, if your parents could do it so can you.


Just start "thinking" about the future. its not like once you have a baby 3 days later they are going off to college.


best of luck to you! heart heart heart

Megumi0san


Kithy Kitty

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PostPosted: Wed Jan 24, 2007 10:22 pm


I feel the same way, too.

Mike is the only one who is working and after the baby is born, I can't really expect to get a job because the price of day care will probably take more than my entire pay check. So, he got a new job that will pay more and has advancement possibilities of making up to $14 or more IF he becomes an operator(he's in the printing/bindery field). We're scrimping and saving everything we have.

It's easier to think that you can do it when you have no choice, just because you can't do anything else but do it. That's my opinion, though.

For the most part, kids aren't too expensive after the delivery. Most people have baby showers and gifts such as strollers and cribs are usually bought for you.

But if you're worried about a career, just fill out applications and send in your resume to some places online(don't use Monster.com)and see what happens.

No time is perfect but if you can look at it in a positive way, you have a better chance of coming out okay.
PostPosted: Thu Jan 25, 2007 6:03 pm


The best thing you can do is plan ahead start buying know that why when you have kids you will have all the things you need for a while and also if your haveing a hard time finding a place that will take you degree try going back to school at night to get different degree. You could also open up a savings accoutn and put like $20 a payday in it I know it dosent sound like alot of money but it does add up. You could also try cutting your spending down by using less utlites, use cupons when you shop, and dont use your car to drive places you could walk or ride a bike to(if you have one that is). Look on the bright side it you start these things now you will start saving money and who knows maybe in a few years you could afford a baby. any ways good luck heart

RinoaRose


cherryvanillacreme

PostPosted: Sun Jan 28, 2007 12:21 am


I'm a senior in high school and pregnant. My dad says I MUST go to college right after high school, even though i'm going to have a 3 month year old. He won't let the father move n b/c he hates him (solely because we had sex) so I'm going to have to move out in order to keep my little famly together. I've never had a job or lived on my own, and well I am panicing about expenses but there are a lot of ways to keep them down. Breastfeeding is free food for 6 months =D My younger cousins will babysit for a greatly reduced rate =D And I can get health insurance for only 15 dollars a month, $5 for tests and dosctor's visits b/c I make less than 60K a year. Goodwill has lots of baby clothes and cloth diapers are infinitely reusable xD
PostPosted: Wed Jan 31, 2007 10:40 am


cherryvanillacreme
I'm a senior in high school and pregnant. My dad says I MUST go to college right after high school, even though i'm going to have a 3 month year old. He won't let the father move n b/c he hates him (solely because we had sex) so I'm going to have to move out in order to keep my little famly together. I've never had a job or lived on my own, and well I am panicing about expenses but there are a lot of ways to keep them down. Breastfeeding is free food for 6 months =D My younger cousins will babysit for a greatly reduced rate =D And I can get health insurance for only 15 dollars a month, $5 for tests and dosctor's visits b/c I make less than 60K a year. Goodwill has lots of baby clothes and cloth diapers are infinitely reusable xD


What about:
rent
gas
electric
water
groceries, including lots of detergent for all those diapers
baby toys
baby food (those fifty cent jars begin adding up)
car insurance (if you have a car)
emergency money if the transmission goes out (if you have a car)
gas money
transportation (if you don't have a car)
someone to watch the baby when your younger cousins are in school
your future
your baby's future

You have the option to go to college. As a former teenage mom, I'd think long and hard about not taking that route.

lumnata


RoseRose

PostPosted: Fri Feb 09, 2007 3:58 pm


I work at a childcare at a college. Many of the parents don't have much, and are college students themselves. As long as you can pay for enough food, a roof over their head, and clothes/diapers, that's ENOUGH MONEY as long as you give them love.

Oni, kids don't need the best stuff... they need love and caring. I see that where I work. One of the happiest, most well-adjusted kid's family JUST recently got a computer.

If you want a child, start saving money. You can do it.
PostPosted: Fri Feb 09, 2007 5:26 pm


RoseRose
I work at a childcare at a college. Many of the parents don't have much, and are college students themselves. As long as you can pay for enough food, a roof over their head, and clothes/diapers, that's ENOUGH MONEY as long as you give them love.

Oni, kids don't need the best stuff... they need love and caring. I see that where I work. One of the happiest, most well-adjusted kid's family JUST recently got a computer.

If you want a child, start saving money. You can do it.
Yep!

And remember, you don't need a brand new crib or things like that, go to a second hand store and get one there. Make sure that they're up to standards, though.

But most people will buy toys for babies so you don't have to worry about that too much.

Kithy Kitty

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