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Kids... need some serious advice...
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Posted by Steven@AZ on February 14, 2006 at 17:14:16 from (24.121.48.188):
To have one or not? That is the question at hand. My wife really wants to have a child. I'm all for having a kid too, but I'm not understanding where the extra $1000 per month is going to come from... we are comfortable right now, but just barely. Our tax bill for 05 is $2000 and we started saving up for it about 3 weeks ago, in another 3 weeks we will have saved up enough to pay it. In order to save that much we are being very frugal - basically only buying just enough food to get by (milk, eggs, bread, etc.) luckily had some meat stocked up from being on the farm at Christmas time. Daycare will run about $500 per month. Health insurance will go up about $250 per month. Add to that the cost of diapers for 2 to 3 years, formula, baby food, clothes, etc. and I just don't understand where we are supposed to get the $$$. We do not live an extravegant life by any means. Our apartment is in a decent neighborhood and probably the cheapest we can find that includes a garage. I drive a car that is worth about $2500, and she drives a car we make payments on - nothing fancy either. I spend about $100 per month that I wouldn't need to. She spends about $100 per month on hobbies. Together we spend about $100 per month on clothes for work... We have our debt under control, car payment and student loan payment along with a small amount of credit card debt that will be gone in about 6 months. I would like to have some nice things in my life - such as restoring a tractor every couple of years, and I have a pickup I would like to restore over the next few years. She likes her hobbies as well and would not want to give them up. I'm all for having a son or daughter, I would love to have my own child. I just don't understand where the money comes from? Do they give you an automatic raise just for having children or something? I have heard from our parents and friends that "things will just work out on their own" but I need more financial security than that. I would like to retire someday, ya know. Please help me understand!
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