To ask if you have 3+ kids…?

[Threetimesthreeequals]

How much do you earn annually gross?
monthly after tax?
mortgage / housing costs
whats your biggest outlay?
what’s your age gaps?
what’s your biggest challenge?

(if you feel comfortable of course)

i go in between can and can’t afford another, so I feel like some really life examples of people who are making to work would help me understand the practicalities financially.

You will get a number of responses its not always so clear cut, some will have climbed the property ladder have huge equity or left inheritance salary differences will be massive its just not so straightforward. Everyone's circumstances are different regardless if you have two or six children some may have large loans some may have small mortgages or be mortgage free some might just manage week by week you just have to count the cost's each person is different so you plan accordingly only you will know if you can comfortably make another work.

Loads and no mortgage any more and not big spenders.

still very anxious about money and how much more expensive things are getting…

we have 3. Financially it starts easy and gets harder and harder.

I don’t want to post exact figures but I’ll say that between me and DH we earn just over 6 figures, however it’s not at all evenly split so we pay a disproportionately big tax bill. Mortgage isn’t huge because we’ve been careful about paying down as much as possible.
Biggest outlay after mortgage, energy, food is the kids’ sports. But two of them compete at a high level and that attracts a lot of cost - as well as training there’s travel to competitions, gear, etc.
They’re all aged 5-10.
Biggest challenge is making sure we can give each of them as much time, patience and energy as they deserve! We don’t go out for meals, cinema, anything like that. DH and I have very un-frivolous lives but we don’t mind that. We don’t feel the kids want for anything but are not sure how we will manage allowances etc when they hit teenage years and they get more expensive!

We have 6, but we have never had average circumstances as DH was widowed and had no mortgage when we met and I was brought up by Grandparents so inherited a £20k deposit relatively young for my first place from Great-grandparents so ours would be no help to you making a decision.