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Where do I put the 3rd kid?

160 replies

Laverlyjarbely · 03/03/2024 18:33

I really want another child.

we can afford it, especially with the childcare funding.

we have a large car. But it’s our house.
it is a 4 bed, and probably in the future we’d move but for the short/ med future. Not sure where we’d put the 3rd. So as I say 4 bed, but a small 4 bed. All open plan downstairs and 2 double and 2 singles upstairs.

2 dcs have the singles, and we have a double and then the spare/ office is the other one. Both of us wfh, me 3 days and dh 4.

if on mat leave dh would need a quiet place to work and take calls.

remodelling the house is out of the question. It’s a new build so garden is small already, no no real extension. Maybe a small conservatory, but if well move in the med term is it worth it? Maybe garden office, but small garden would it look weird just plonked there? Plus if moving, do i want to?

do I make some of the dcs share? We have a girl and boy so not sure they’d want to share now. They are both still v young, nursery and preschool age.

where could the 3rd go?

OP posts:
Laverlyjarbely · 04/03/2024 19:12

VitoCorleoneOfMNMafia · 04/03/2024 18:50

I did note your BTL, specifically when I said that purchasing a BTL in a uni town would be expensive.

Plus you don’t take it lying down, you get another job.

It took me eighteen months to find a job after graduating, partly because I didn't drive until over a year later. My first job after graduating didn't even use my degree but it used my car! (Driving tests are on my list of "things to possibly fund nephews and nieces through" for that reason.) It's not always easy to find another job. I currently live under the assumption that I could be made redundant with three months notice and then need at least another three months to get another job or contracting gig.

esp if a degree that is more on the wishy washy doesn’t lend itself easily to a job or career.

😆 👏 👍

Yes but one can have a mortgage and we’d have the 100k from the current second property so it’s whatever.

but if you got made redundant with 3 months notice, why are you waiting until you are redundant to look for a new job, why aren’t you looking straight away.

sorry but it’s true, do you need to go to uni in london to study media studies in london? Or can that be studied closer to home?

OP posts:
Laverlyjarbely · 04/03/2024 19:14

Laverlyjarbely · 04/03/2024 19:00

It’s not combative, ultimately everyone’s finances are shareable all you can do is plan to the best of your ability. It’s also a bit insulting when you keep on getting dragged over the same thing. If I’m saying, I believe I can afford it, you sort of have to take it at face value rather than try to find all the ways you (general sense) think I might be wrong or you can catch me out. At the very least it’s annoying

my Ability (including dh) includes;
working our way up at work, we’ve done well at this so far, and there is no reason to suggest this won’t continue. Redundancies happen but it doesn’t have to be a ‘death sentence’.
our BTL- our ambition is to turn one into several
savings- we save for ourselves and our children into stocks and shares ISAs
inheritance- I don’t really like to think about this. But it is there, but I don’t like it as it means my parents and DH’s will die. That’s not a pleasant thought.
childcare costs- we both have the opportunity to condense working hrs. There would be such a gap that we’d only be in one fee paying nursery. Which is the government funding stays in place, is free apart from lunch which is £6 a day. Extended clubs also £6 a day
activities: kids can do 2. I think this is fair
tuition: dh is very gifted at maths and I used to teach English so we are in a good place to support our kids. And can afford tuition for 11+

BUT i also believe it’s important for kids to work, when they are old enough, to understand that things aren’t just handed to them on a platter and what it takes to earn.
our industries also offer some very well paying graduate apprenticeship and grad schemes so that’s another thing we can help with.

^shakeable not shareable

OP posts:
Vettrianofan · 04/03/2024 19:44

VitoCorleoneOfMNMafia · 03/03/2024 21:56

The thing with going to university is that you can't always study the course you want at your local university, which means that you have to move away to study. DSis aced a first in a programme that is offered by one institution in the whole of the UK, 250 miles from our home town.

So if you are already saying that you can't afford to support your two DC to go to uni in another town, you really shouldn't be having a third.

Edited

Not all children are interested in going to uni. Mind blown.

Interested in this thread?

Then you might like threads about these subjects:

VitoCorleoneOfMNMafia · 04/03/2024 21:32

Vettrianofan · 04/03/2024 19:44

Not all children are interested in going to uni. Mind blown.

But those who do should be able to, surely? That was the whole point of universal free tuition before the mid-nineties, which my parents benefited from but I was too young for.

Whoever it was who claimed that I didn't pay for my university studies is wrong. I'm still paying for it now.

VitoCorleoneOfMNMafia · 04/03/2024 21:37

Laverlyjarbely · 04/03/2024 19:12

Yes but one can have a mortgage and we’d have the 100k from the current second property so it’s whatever.

but if you got made redundant with 3 months notice, why are you waiting until you are redundant to look for a new job, why aren’t you looking straight away.

sorry but it’s true, do you need to go to uni in london to study media studies in london? Or can that be studied closer to home?

No, I mean that I allow six months in total to find a job. I'm autistic and I don't do well in interviews, so it is wise for me to allow a long time to find another job.

Re the wishy-washy degree comment: the laughter, applause, and thumbs-up icons are because I agree! And you put it in a way that was funny.

Efemail · 04/03/2024 21:41

5 of us in a 1 bed. Incl 3 kids under 5... trust me you learn to make it work. Hopefully it won't be forever!

Ahugga · 05/03/2024 06:06

VitoCorleoneOfMNMafia · 04/03/2024 21:32

But those who do should be able to, surely? That was the whole point of universal free tuition before the mid-nineties, which my parents benefited from but I was too young for.

Whoever it was who claimed that I didn't pay for my university studies is wrong. I'm still paying for it now.

You got a means tested grant, your parents paid or you paid? Make your mind up.
They can go to university. With a loan and a job like most people.

VitoCorleoneOfMNMafia · 05/03/2024 11:10

Ahugga · 05/03/2024 06:06

You got a means tested grant, your parents paid or you paid? Make your mind up.
They can go to university. With a loan and a job like most people.

I got a means-tested tuition fee grant, a CoL loan, parental support, and worked.

I'm still repaying the CoL loan.

AliceMcK · 05/03/2024 14:03

When we had number 3 we used what was then the spare room as a nursery, we are in a 3 bed terrace. 2 oldest girls were already sharing in what was originally the master room, the house was 4 bed when we bought, 1 double room, 3 small rooms. We knocked the 2 smallest through for us and had a spare room, which many on here would classify as a box room but it’s bigger than my bedroom growing up so I consider it a decent single. Anyway, when number 3 was just under 2 we had a change, oldest ( then not quite 8) went into her own room and 2 youngest shared the double beds (5 & just under 2).

There has been lots of change since then, moving due to covid, moving back when covid over and DH WFH. When we moved back home DH needed an office so all 3 girls went in the same room in triple bunks, luckily we had the height in the room but could have managed a double bunk & single bed. Oldest will be 12 soon and the plan is either a garden pod type office or loft conversion. Loft conversion will be ideal long run but far more expensive. We are at least a year from doing either. So far all 3 sharing is working. I usually find the 11 & 9yo in the same bed in the mornings. Oldest dose breakfast and afterschool clubs at high school where her homework is done so she’s not desperate for quiet space just yet.

I grew up in a family where siblings shared. My dbs (8 years between them) had bunk beds until the oldest left home at 20 so it’s just something that’s done as far as I’m concerned.

Elsewhere123 · 05/03/2024 18:30

VitoCorleoneOfMNMafia · 04/03/2024 18:24

This is the smartest reply to me yet.

"Save as much as you can when you can" bears repeating.

Thank you. I remember worrying myself sick over types of childcare then out of the blue my husband's job was relocated and I was able to become a sahm ( with the time to look after finances and save)

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