Posted by SweetFeet on January 30, 2012 at 06:10:40 from (70.35.110.213):
In Reply to: Opinions? posted by CumminsMan on January 29, 2012 at 10:32:55:
Congratulations! Kids are the greatest gift from God but the greatest challenge as well. They add a wonderful new dimension to your life - but some stress/worry as well. So don't do anything that will financially stress you and your wife... as you will have enough to adjust to with sleepless nights for the next 2-3 years and occasssional temper tantrums (it is inevitable). And yes, the guys who have already replied are right - kids don't take up that much room the first few years (though their equipment will eat up some space: car seat, high chair, etc.). Waiting would enable you to save every penny possible toward your additon or building a new home... though if the economy improves, interest rates will also go higher in correlation with that. If you do decide to remodel or build a new house, I recommend making sure you get a "fixed rate" mortgage - the interest cost a bit more, but adjustable rate mortgages (ARM) can land you on the "homeless list".
We have 3 kids and have gotten by just fine in a small house of about 1,100 sqare feet. Our girls (10 years apart) had to share a room... but we made it work. We hope to have our farm totally paid-off about the time our youngest graduates (would have already accomplished this - but we tiled our farm a few years ago, so are now paying that debt off). The only other debt we have is the recent purchase of a good used pickup for $8000. Life is A LOT more fun if you do not have a lot of debt. We try to stay out of debt as much as possible - and only take on a debtload that we know we can handle the payments even if one of us were to lose our job.
Also, I grew up in a family of six kids in a three bedroom home. Again, a bit of a squeeze but it worked.
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