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Don't have kids you can't afford!

895 replies

user793847984375948 · 25/10/2025 10:57

Hi all, this is meant to be an interesting discussion.

I keep seeing people say, “Don’t have kids if you can’t afford them.”

But in the UK, if someone works full-time on minimum wage, the state ends up paying thousands for childcare so that parent can work.
If that same parent stayed home, they would receive less support overall, yet they would be raising their own child hands-on. A single mum can work part-time and get rent and living costs for kids, around 500 a month in support if she works.

Nursery is about 1K a month usually. Then there's the wraparound care before and after school that could also be funded by UC.

So why is one scenario seen as responsible and the other as “sponging”?

Further, do people who say “don’t have kids you can’t afford” actually think only those earning £60k or more should have children, since that is roughly what it takes to cover childcare or a single income? That eradicates the above two scenarios and it's just those with independent wealth

If so, what would that mean for society long-term, both economically and socially? There would be fewer poor people over all and I think this would have an impact on our monetary system and menial jobs getting done.

And if you believe that only the wealthy should reproduce, you are effectively asking rich, white, powerful men to police women’s reproduction.
That is exactly what is happening in parts of America right now.

Genuinely curious how people justify this way of thinking.

OP posts:
Thread gallery
5
SapphireSeptember · 25/10/2025 12:26

Upsetbetty · 25/10/2025 12:06

Honestly…yes I do think people should wait until they earn more then minimum and better still have savings and own a home before they have children. I really don’t think it’s too much to ask…

Owning a house is out of reach of a hell of a lot of people these days, even for people who earn a decent amount.

TJk86 · 25/10/2025 12:25

I wonder about this too. With the introduction of the very generous childcare funding (and from 9 months old!), there will be so many people working but not actually contributing anything from a tax perspective. Raising your own children rather than dumping them in childcare as soon as you can is contributing to society. Early and intensive institutional childcare (vs being at home with a parent) causes long term mental health issues. We would all benefit from a mentally stable society.

Zavettimexico · 25/10/2025 12:25

I agree if someone has 5+ kids and lives in a cramped home and the kids lives are horrific. But you know I had a child at 16 and obviously wouldn’t of been able to afford it without “the dole” but luckily was such an ignoramus i didn’t even realise people thought this way until I was in my twenties and had a job.

So no self hating procrastination for me.

pinkdelight · 25/10/2025 12:25

Hedgehogbrown · 25/10/2025 12:14

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

Was your mum the queen? If so, she shouldn't have had Andrew. Beyond that, it's wilfully missing the wider and well-made points to be getting indignant about your personal situation. No one is going to exterminate your siblings. That doesn't mean there's no issue to be debated.

saqiatf · 25/10/2025 12:22

It’s a tricky argument but I think the most frustrating thing for me is the amount of kids people have, without any regard for what can change in the future.

As soon as you get to 3+ kids in particular you’re making yourself (and children) very vulnerable if there are drastic life changes like divorce, death or disease. I appreciate you can’t live your life as if something terrible is going to happen, but equally, when you have children you have to consider them over your own desires. So that’s the thing for me I struggle with.

ainsleysanob · 25/10/2025 12:22

Hedgehogbrown · 25/10/2025 12:14

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

Well, it’s simply really isn’t it? If she couldn’t afford 2 then she should have stopped at one, she couldn’t afford three, she should have stopped at two etc. It’s called planning.

SapphireSeptember · 25/10/2025 12:20

sunights · 25/10/2025 11:38

Compulsory state funded nursey that is free at point of access for all and private options for those who can pay (as happens with schooling now) would fix this problem and remove the need for debate.

Edited

At what age? Do you want people handing over their newborns and going back to work? Are we still allowed maternity leave? And if someone doesn't want to go back to work what then?

Gruffporcupine · 25/10/2025 12:18

Hedgehogbrown · 25/10/2025 12:14

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

Why are people on MN utterly incapable of arguing without dramatic appeals to emotion and personal circumstances

twistyizzy · 25/10/2025 12:17

Hedgehogbrown · 25/10/2025 12:14

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

The ones she couldn't afford clearly.
If she managed to afford them all then there's no problem is there? The problem is an entitled attitude of some to have as many as they personally want, irrespective if whether they can afford those DC because the taxpayer will foot the bill. That's the issue.
Some of us only have 1 DC because that's the number we could afford.

ClarissR · 25/10/2025 12:17

Hedgehogbrown · 25/10/2025 12:14

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

Any she conceived whilst the older ones were going without.

ClarissR · 25/10/2025 12:16

What people mean is don’t have successive children when you’re struggling.

Nobody judges a single mother with two kids to her ex-husband and a recent divorce getting UC. People absolutely do judge a single mother with four kids from three relationships who’s never worked.

Gruffporcupine · 25/10/2025 12:15

Women's and mother's unpaid care was so valuable to society that we have not, and will never, find something that can replace it. No idea what the solution is

Differentforgirls · 25/10/2025 12:14

LadyGreyjoy · 25/10/2025 11:02

Well simply working parents are also paying tax and paying for most of their own living costs even if they get help. Help to work is not sponging because by working you contribute to society both in terms of skills and tax. None working parents who get all of their money from the state are not paying any tax or giving any of their skills to.society. It's not difficult to see the difference really.

And if you can't afford to give your child a coat and shoes without holes in for winter I don't think you should be creating them in the first place, being born to be intentionally neglected is wrong. Child shouldn't be only for the rich at all but they do deserve the absolute basics.

Everyone pays some sort of tax, e.g. Council Tax, VAT etc etc.

LuckyBluePhoton · 25/10/2025 12:14

Get the Taxpayer to pay for the latest Smartphone and
game console , school fees and uniforms ........

Hedgehogbrown · 25/10/2025 12:14

user1471538275 · 25/10/2025 11:14

When I say 'don't have children you can't afford' - and I do.

It's because it is not fair to children to have parents who have given no consideration to them at all - who have had children because they didn't bother with contraception, who didn't care whether they got pregnant at all or whether they had any ability to actually care for children, emotionally and financially.

Having children must be more than fulfilling a biological urge or cementing a new relationship. I think there needs to be some thought about provision to those children.

Time and time again there are threads from people who have numerous children, often in chaotic relationships where it has been clear from the outset that it was not a safe relationship for the women, never mind any children.

It's about responsibility - and if you have a child, you have a personal lifelong responsibility to do the best for that child and that includes considering from the outset how you can afford them, now and if things may go awry.

Edited

Ok so my Mum had 4 kids. Which of my siblings should she not have had?

ainsleysanob · 25/10/2025 12:14

When people I know (including myself) use that phrase it’s typically directed at the people who choose to have a child/children that they are not financially able to look after at a basic level. Can’t afford breakfast, can’t afford clean, well fitting basic clothing. Can’t afford books/toys or play/school equipment. Then go on to add more children into the mix. No, I don’t think those women should continue to have children they cannot afford to support to a reasonable level. We’re not talking about childcare. We’re talking about the very basic things that will enable that child to live a full life. We not saying that a couple who have fallen on hard times, had a catastrophic death/injury leaving a parent to raise children on their own with only one leg, half an arm and no job shouldn’t receive the help they require of course they should. But no one should be bringing children into the world if from the get go they can’t afford to give that child clean clothes, good food and the ability to enhance their education through books and toys. That’s not for a welfare system to fund, it’s for parents to fund and if you can’t, then don’t have any.

Harriet9955 · 25/10/2025 12:13

We had four kids and managed to pay very little childcare by working around each other. Obviously you have to have jobs that can accomodate this. I guess paying childcare for couples to both stay in work probably saves money in the if those parents carry on working. and paying taxes in the longer term.

Hedgehogbrown · 25/10/2025 12:11

LadyGreyjoy · 25/10/2025 11:02

Well simply working parents are also paying tax and paying for most of their own living costs even if they get help. Help to work is not sponging because by working you contribute to society both in terms of skills and tax. None working parents who get all of their money from the state are not paying any tax or giving any of their skills to.society. It's not difficult to see the difference really.

And if you can't afford to give your child a coat and shoes without holes in for winter I don't think you should be creating them in the first place, being born to be intentionally neglected is wrong. Child shouldn't be only for the rich at all but they do deserve the absolute basics.

So raising a child is not contributing to society? Why do the government pay childcare workers to do it then, if it adds nothing to society? What if I told you that you should afford your own childcare when you work, and stop expecting the state to pay your childcare, would you think that is unfair?

MocktailMe · 25/10/2025 12:10

In-work benefits are better for society. Not only is that person contributing through taxes they are also in work, doing a needed job, having a place in the community, opening their world and that of their child.

I would rather pay more to parents in work through benefits, than less to parents choosing to not be working at all.

If someone doesn't want to work (who is able to), then they need to self fund their lifestyle. It shouldn't be an option to be a SAHM funded by the tax payer.

If someone can work with barriers removed - such as subsidised nursery, then I'd rather we pay for the nursery and gain a worker. It benefits the whole of society and the child.

Boutonnière · 25/10/2025 12:10

We had two children - I would have liked a third but realistically that would have meant a different kind of car, different housing, different choices along the way about extra curricular, childcare . I know it’s not the same as making the decision to have children at all but it was making a judgment based on budget as reasonable and responsible people do.

And how did the OP go from wanting this to be an interesting discussion to it’s all the fault of rich white men ? She wanted a chance for a rant.

Halloweeeeeeeeen · 25/10/2025 12:09

freedo · 25/10/2025 11:13

It was fine for previous generations to have to they couldn't afford but not younger people. But look at birth rates. they have got the message.

This is a bit worrying because this is intelligent ones with common sense and forethought who are choosing not to have children so is the human race going to get less intelligent? 😬

Bunnycat101 · 25/10/2025 12:09

Children are expensive both in terms of time and finance. People should be thinking very hard about bringing them into the world.

Where I’ve seen the phrase mostly used seems to be in relation to blended families and throwing another set of kids into the mix. There are loads of threads on here where the older kids get a bit of a raw deal compared to the ‘new family’.

pdaautismadhd · 25/10/2025 12:06

ScholesPanda · 25/10/2025 11:27

The OP is a bit rambling but I would agree that if the state is willing to fund childcare, I think there should be more choices for parents. This should include that the money can be taken as a cash lump sum for stay at home childcare.

The idea that tiny children being raised by their own parents is some crazy luxury scenario is just bizarre to me.

Rather than a lump sum UC should just turn off work commitments till a child is 5 so that parents have the choice. Work and get childcare paid for and have a higher UC award or be a sahp and get less.

EasternEcho · 25/10/2025 12:06

Friendlygingercat · 25/10/2025 11:44

Meanwhile the unselfish people who are child free are funding everyone and getting nothing back in return! 25% off council tax does not really cut it.

Other than the use of infrastructure, healthcare etc, funded collectively, when people retire, they still need public services like healthcare, pensions, and social support. Who do you think funds that? It’s the working population, which will, at that point, include the next generation, i.e. other people's kids, if you don't have your own. Even if you’re childless, you’re still part of the same system that relies on younger generations to keep things going.

Upsetbetty · 25/10/2025 12:06

Honestly…yes I do think people should wait until they earn more then minimum and better still have savings and own a home before they have children. I really don’t think it’s too much to ask…