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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to go for a 3rd child?

144 replies

Onthefence87 · 09/04/2025 21:41

I am so consumed by the decision of whether to have a 3rd child (have been thinking about it basically every day for about 2 yrs) and feel time is running out to make our minds up, but how on earth do we make a decision? I know nobody can make it for us but based on these pros and cons, would you or wouldn't you?

Pros;
-I'm healthy, had 2 great pregnancies and relatively good births (1st I did have a minor PPH due to a tear and needed blood transfusions)
-Very involved hands on DH, who is an amazing dad and husband and is keen for another, if I'm on board.

  • Have £££££ in inheritance/family savings which can be accessed whenever needed to give extra support financially.
  • DH and i have stable jobs, mine is fairly flexible I can work from home and it's a family friendly profession.I would work part time 2/3 days until all children in school.
  • We have alot of love to give- our existing daughters are our life focus.They are incredibly doted upon, invested in and despite us not being particularly well off they want for nothing and live a privelidged lifestyle.
  • We don't have close families (DH) or big families (me) and sadly there have been some fall outs with DH's side which mean that our children are the only kids their age in the family and they don't see quite alot of their relatives. So feel a pro would be extending the network for our children.
  • I don't obviously feel 'done' with having babies. I sold some toddler clothes on vinted last month but had to stop after as i can't bring myself to touch the baby ones- all the baby stuff is still in the attic and I am usually ruthless about getting rid of stuff so wonder if that's a sign I'm not ready to draw the line. I sometimes imagine looking back in afew years with a comfortable, easy life but having an awful stab of regret that I traded material bonuses such as nicer cars and holidays for another little person for us all to love and have as part of our family forever, and that I would feel really shallow for doing that, but it would be too late to change our decision.
  • The sibling relationship is the most beautiful thing I've ever seen (despite ours arguing at times!)...I feel like I want to recreate even more of it (I know its not all roses but we are a very close loving family so hope a 3rd would share all that too) I was an only child so maybe this feels extra magical.

Cons;
-We have quite a small rented house- 3 bed semi, so two kids would always have to share for foreseeable future (might be able to have 4 bed one day, but no guarantees)

  • Had a miscarriage before each child so abit concerned that could happen again. One of the miscarriages was with triplets so slightly concerned that might increase my risk of having multiples another time!
  • Part of me struggles to imagine going through the intense physical and emotional process of pregnancy, birth, sleepless nights, worry over baby's fragility with safety/health and endless breastfeeding again. I'm also scared about potential health risks to me and prospective baby during pregnancy/birth partly due to my age, and of me dying in childbirth although I know that's rare now.
  • Unsure how a baby would impact on opportunities and family dynamic for older two who are 3 and 8....if a 3rd would come between them or hold them back, and would DH and I spend alot of time divided to meet different needs (although 8yo only just turned 8 and is quite young & playful, so still likes many of the activities 3yo does)
  • Costs- we are a low-ish income family and although I know the essentials would always be covered fine, another child would mean less extra curricular clubs, abroad holidays, visits to expensive attractions/meals out etc and less spent on birthday/Xmas presents & parties. Me and DH it might be having hair coloured at hairdressers or not having a gym membership, that sort of thing, maybe a more basic, older & bigger car.
  • Family support- we only really have my mum who is a key consistent support and she's mid 70s, so although is very involved can't be as practically hands on as a younger grandparent would be and don't think she would be able to have 3 at once and certainly not overnight.
  • Plans to buy a house, do abroad holidays would have to be put off another 4yrs or so until I'm back at work full time if we had another.

I'm 37, 38 this year and don't personally want to have a baby in my 40s, so really feel I need to be making a final decision this year, and planning my/our future down one path or another, but am driving myself mad not being able to come to a conclusion!

Just looking for others opinions, on what you would do in our situation, thankyou.

OP posts:
Overtheatlantic · 09/04/2025 21:49

I’m not sure I understand. You write that you have access to family inheritance but that you are concerned about the cost of a third as you are a low income family. Personally, I wouldn’t have a third on a lower income. Too many unknown variables especially in the world today.

tellmesomethingtrue · 09/04/2025 21:51

Would you end up on benefits? It yes, then don’t have a third.

Kilroyonly · 09/04/2025 21:53

Your cons far outweigh your pros so no in your position I wouldn’t

AprilBunny · 09/04/2025 21:53

I don’t understand your financial situation.

Onthefence87 · 09/04/2025 21:54

Overtheatlantic · 09/04/2025 21:49

I’m not sure I understand. You write that you have access to family inheritance but that you are concerned about the cost of a third as you are a low income family. Personally, I wouldn’t have a third on a lower income. Too many unknown variables especially in the world today.

Sorry i meant our job salaries are relatively low (at least whilst i work part time), but we do have some savings of ours and the kids that we could dip into if need be, although ideally ours might be used for a house deposit in future, but that is not set in stone as its not in a LISA or anything.

OP posts:
HTH1 · 09/04/2025 21:56

Personally, I would focus on the two you already have (mainly for the financial reasons you mention).

AprilBunny · 09/04/2025 21:56

I would prioritise buying a property, not having a third DC.

Onthefence87 · 09/04/2025 21:58

AprilBunny · 09/04/2025 21:56

I would prioritise buying a property, not having a third DC.

We could still buy a property eventually, but a 3rd would put it off for afew years as we wouldn't get a mortgage of the size we need until I was back in full time work.

OP posts:
Comedycook · 09/04/2025 21:59

Have £££££ in inheritance/family savings which can be accessed whenever needed to give extra support financially

Like a pp, I'm confused about your financial situation. You said this but also said you might not be able to get your hair done and that you rent...

OnlyFoolsnMothers · 09/04/2025 21:59

You don’t own a home no way would I have a third- being brutally honest, it feels selfish to your children

AprilBunny · 09/04/2025 22:00

Onthefence87 · 09/04/2025 21:58

We could still buy a property eventually, but a 3rd would put it off for afew years as we wouldn't get a mortgage of the size we need until I was back in full time work.

Edited

It’s still a no from me.

Onthefence87 · 09/04/2025 22:01

Comedycook · 09/04/2025 21:59

Have £££££ in inheritance/family savings which can be accessed whenever needed to give extra support financially

Like a pp, I'm confused about your financial situation. You said this but also said you might not be able to get your hair done and that you rent...

Well ideally the savings would be a back up fund....so there if we needed for something big, but not to be dipped into on a regular basis for frivolous spending.

OP posts:
idontunderstandwhy · 09/04/2025 22:02

No, you can’t comfortably afford it.
give the children you have a better life

Penguinmouse · 09/04/2025 22:03

“So feel a pro would be extending the network for our children” Don’t have a third child to try and give your existing children friends.

DorothyStorm · 09/04/2025 22:04

AprilBunny · 09/04/2025 21:56

I would prioritise buying a property, not having a third DC.

This.

ChildrenOfTheQuorn · 09/04/2025 22:04

You can't afford a third child.

Onthefence87 · 09/04/2025 22:04

OnlyFoolsnMothers · 09/04/2025 21:59

You don’t own a home no way would I have a third- being brutally honest, it feels selfish to your children

Not sure I get this perspective as plenty of people rent long term nowadays 🤔
We have so far chosen to rent in a nicer area than buy in a worse area, so actually I feel our decision has benefitted our children with the environment, neighbours, school etc.
Buying is the ideal i get that, but even if we could we would only do so if we could stay in the area, so not a given and not looking to move anytime soon.

OP posts:
LetsWatchTheFlowersGrow · 09/04/2025 22:04

I don’t understand your financial situation. Did you mean that you expect to inherit in the future?
Because I don’t understand why you’re still renting if you have such a substantial amount of money in savings

ButIDontLikePeas · 09/04/2025 22:05

Have you thought about costs as they get older? I'm 39 with a 4yo and 1yo. We've had the discussion about the third (i think DH is done, from my pov that door is probably not fully closed yet but is closing rapidly). However with our sensible hats on, we are concerned that with another one, supporting 3 at university and with house deposits would be much more difficult and maybe it's better to be able save hard and give two of them the best start, rather than go for three and stretch ourselves (we have a mortgage already so slightly different on that front).

HoneyB2025 · 09/04/2025 22:06

The more you wait, the more you will get closer to your 40’s. Children are a blessing, if you and your partner are on the same page and want a 3rd why not. But discuss with your partner the pros and cons, not with us ‘Mumsnet’ because at the end of the day it will be you both living the reality. Most importantly discuss your finances with your partner and discuss if its realistic bringing a 3rd child into this world and still be ok financially. If its going to be a stretch on your finances then becareful. You already have 2 kids and that’s a blessing. Oh, it’s not just finances think of the emotional and psychological impact as well.

blueberrypi27 · 09/04/2025 22:06

I don’t think you’re being unreasonable at all. However, we have been trying for a third for almost a year now (after successfully conceiving our first two quickly) and it is yet to happen. It’s worth considering that it might be a long and stressful journey to have that third even if you do make a decision.

Onthefence87 · 09/04/2025 22:07

LetsWatchTheFlowersGrow · 09/04/2025 22:04

I don’t understand your financial situation. Did you mean that you expect to inherit in the future?
Because I don’t understand why you’re still renting if you have such a substantial amount of money in savings

Because even if we used the whole lot of savings as a deposit, at the moment our incomes are not high enough for us to be able to get a mortgage big enough to afford the size of house we would need.
Currently we would be very stretched to be able to afford the mortgage repayments with such high interest at the moment.
Our rent is pretty low, and mortgage repayments would be at least double.

OP posts:
blueberrypi27 · 09/04/2025 22:08

Also, don’t come to mumsnet for this sort of decision - I posted an AIBU about trying for our first child at a relatively young age and mumsnet was unanimously against it. Best thing I’ve ever done and we are now home owners with careers - strangers can’t possibly know what’s best for you and your little family.

idontunderstandwhy · 09/04/2025 22:08

Yes, plenty of people rent nowadays but mostly because they can’t afford to buy.
I would prioritise owning a home over another dc when you already have two, giving them their own bedrooms.

Onthefence87 · 09/04/2025 22:09

blueberrypi27 · 09/04/2025 22:06

I don’t think you’re being unreasonable at all. However, we have been trying for a third for almost a year now (after successfully conceiving our first two quickly) and it is yet to happen. It’s worth considering that it might be a long and stressful journey to have that third even if you do make a decision.

Thanks for this perspective, definitely something to bear in mind if we did go that route.Wishing you luck and success in your conception journey soon ❤️

OP posts: