Not sure if this should be here or in the parenting forums but hey ho. DH thinks we can't afford a third kid, because I would be prolonging my return to work and prolonging building a career. Collectively we earn £70k live in London (not inner London), have family help, run one car, mortgage under £1k a month so in a very lucky position and I am so grateful.
His chain of thought is basically he needs to save for two weddings and two degrees, (this is assuming both kids will want to marry and go to university), save for his pension, and save for any improvement works to the house if we choose to do them. And if we have a third then we have to change car to a 7 seater (?) And I won't be helping much because I'm on the lower end of the pay scale (he's the higher earner).
We live in one of the cheapest boroughs in Greater London, so not quite on par with the high cost of living in the capital. And while I appreciate his concerns I feel like he is predetermining a lot of things which may not even happen. The kids are both under 3 years old so all of this is way way off into the future. We might not have a Tory government, we might not have high uni fees, or I might end up getting a good job?!
I just feel like he's being safe but a bit too safe. He's not been the best with saving or money managing either so that's a factor and I think that's affecting what I think of his reasoning. Also I'm not one to worry about saving for weddings or education as both scenarios are too far away and are "what ifs". Does anyone else plan that far ahead?
I guess I'm just looking for some advice on how everyone else manages on a similar set up and similar salary? How many kids are affordable in a situation like your own, and am I just being too optimistic?