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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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
twistyizzy · 25/10/2025 14:28

Unrulyscrumptious · 25/10/2025 14:26

This has worded what I was trying to say so much better, people are projecting lot of choice and therefore judgement onto people's situations they know nothing about.

Ah like you projecting your narrative onto me to try to get me on "eugenics" and abortion? Like putting words into people's mouths when they don't fit the narrative or rise to your goading?

Good that you recognise it though

ChesterDrawz · 25/10/2025 14:29

Unrulyscrumptious · 25/10/2025 14:23

I wouldn't say so, at least not for the discussion which was that PP thought all teens were using two forms of contraception and tracking their menstrual cycles in the 80s. Obviously teenage pregnancy rates have massively dropped now which is amazing, but did the times of teen pregnancies completely pass you by?

I was a teen in the 80s myself; it certainly didn't pass me by.

I was specifically talking about what I quoted: the post about being (paraphrasing) 'young dumb and in love and thinking a baby was a good idea and that a 16yo boy would get a job and support the family'

There's a big difference between that and 'getting caught out' accidentally.

No5ChalksRoad · 25/10/2025 14:30

Discombobble · 25/10/2025 14:16

So - I had 4 kids with my husband, nice house, doing fine, worked together in his business. Then he dropped dead in his early 40s leaving me a single parent with no job in a house I couldn’t afford alone. What should I have done differently?

Sorry that happened to you, but ALL parents should pay for substantial life insurance policies for just this reason.

And maybe not have both parents working for the same organization. Especially if the company also isn’t insuring them.

Risk management is an important consideration when deciding to have children. People need to think it through. Not just assume everything will be best-case scenario.

i work with a woman who was widowed last year at 43 but they are financially fine because they had a £500k life insurance policy on her and her husband both. Now she increased hers in case she dies and her sister has to raise the children.

Ubertomusic · 25/10/2025 14:30

mids2019 · 25/10/2025 13:47

One concern is that some immigrant cultures look at child rearing as a duty to God and large family size is part of their culture.

We as a state shouldn't be deferred as saying this unreasonable as contraception is widely available and misogynist controlling culture should be condemned.

A lot of people in my local city view it's the states responsibility to support their God given family plans

Are you talking about Haredim Jewish?
😂

Unrulyscrumptious · 25/10/2025 14:30

FrangipaniBlue · 25/10/2025 14:26

You are talking about a black swan situation.

if people already have children and are struggling they should make every effort possible to ensure they don’t have any more. That could mean doubling up on contraception or having a vasectomy/sterilisation.

Its unlikely that either of these scenarios would result in an accidental pregnancy.

Even without doubling up, the chances of a contraceptive failure are less than 1%.

These are not the births that posters are talking about when they say “people shouldn’t have more children than they can afford”. They are talking about people making a conscious decision to have multiple children when they are already relying on the state.

If people have made every effort to prevent pregnancy but it still happens nobody is advocating forced abortion. It’s a difficult situation to be in, but sometimes people have to make difficult decisions based on what would be right for not only their unborn child but also any existing children they have.

Your stance on abortion is clear from your language and it appears you’re deliberately trying to goad another poster into a pro-choice/pro-life debate.

You're not advocating for forced abortion but you're opening lines are basically saying people on low incomes should be sterilised. I'm not interested in an abortion debate, imo women's rights to bodily autonomy isn't up for debate. But that goes for them being forced or pressured into contraception or sterilisation they don't want either. You are literally saying openly that people who are poor or low incomes, regardless of why, can't choose to have children if they want them. You can dress it up however you want but that's nothing but disguised eugenics and it's pretty disgusting. Some jobs are always going to be low paid..some people have conditions that means they can never work and will always rely on the state, and they are not entitled to a family the same as people better off to the point we should actually encourage them to be sterilised so accidents don't happen is what you're saying.

SharpMintUser · 25/10/2025 14:31

Eh? How is nursery costing 60k per year on a single income? Honestly mumsnetter appear to live in a different world 🤣🤣

taxguru · 25/10/2025 14:31

Unrulyscrumptious · 25/10/2025 13:10

So what should they do? Use your words and actually may it out. Bully for you you never had an accidental pregnancy but some women are very fertile, so what are you proposing they do?

Edited

Surely if a woman knows she's very fertile, common sense would say to use more effective contraception methods. It's about taking responsibility for yourself. Lots of different options these days for contraception.

vivainsomnia · 25/10/2025 14:32

A well functioning society is one that support young adults being the best parents they can be. That is likely to include financial support from those further established in life.

However, for society to continue to offer support, it needs those previous young adults to themselves become well established and self-sufficient.

What we are seeing though is the same young people reliant on support for so long (by having further children) that not only they never get into a position to support the younger, but continue to be a drain to society.

That's when society can't cope any longer.

Unrulyscrumptious · 25/10/2025 14:35

twistyizzy · 25/10/2025 14:28

Ah like you projecting your narrative onto me to try to get me on "eugenics" and abortion? Like putting words into people's mouths when they don't fit the narrative or rise to your goading?

Good that you recognise it though

Umm I used your own words back at you that you chose to stop at one, aren't exactly happy about it and that people should also be unhappy and not have children they want, is that projecting? Using your own words?
No projecting is preaching that women who you think should be on contraception regardless of their health or wishes and then fall pregnant unconsciously need your unelaborated on "targeted help" to ensure it doesn't happen again, because you're projecting some moral failure on them for falling pregnant because it hasn't happened to you.

sunights · 25/10/2025 14:36

SapphireSeptember · 25/10/2025 12:20

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?

It's an alternative to the current culture war - and works well in Nordic countries like Iceland, Norway, and Sweden, as well as Belgium, Denmark and France. Like with school, where people can choose home education or private schools, they can opt out and be a SAHP and/or pay for a nanny.
But we'd no longer need to argue about benefits culture or the costs of working to pay for nursey fees, which is off the scale (£2,500 for full time up thread!)

Upsetbetty · 25/10/2025 14:36

SapphireSeptember · 25/10/2025 12:26

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.

And yet so many manage it…it’s not an excuse to expect someone else to pay for you…

Ubertomusic · 25/10/2025 14:36

No5ChalksRoad · 25/10/2025 13:49

So ignorant.

Ignorant of your expectations of lax immigrant policies to solve the dire problems of low birth rate society by attracting cheap labour from modern "colonies"?

Well, you stated it clearly, no one can be ignorant of your views now 😂

BallerinaRadio · 25/10/2025 14:37

12 pages in and the genuinely curious OP hasn't got involved once 🙄

Unrulyscrumptious · 25/10/2025 14:37

taxguru · 25/10/2025 14:31

Surely if a woman knows she's very fertile, common sense would say to use more effective contraception methods. It's about taking responsibility for yourself. Lots of different options these days for contraception.

Omg are you actually really a woman? You don't KNOW how fertile you are FFS, but this is why some women more easily fall pregnant regardless of precautions while others glibly talk about using the pull and condoms for decades and never flaking pregnant ever(when they could be infertile for all they know) and insisting no one would ever have an accidental pregnancy if they just followed their methods..

twistyizzy · 25/10/2025 14:39

taxguru · 25/10/2025 14:31

Surely if a woman knows she's very fertile, common sense would say to use more effective contraception methods. It's about taking responsibility for yourself. Lots of different options these days for contraception.

Don't get sucked in. PP is an aggressive pro-lifer, you will be accused of eugenics etc. Best not to engage.

Unrulyscrumptious · 25/10/2025 14:39

ChesterDrawz · 25/10/2025 14:29

I was a teen in the 80s myself; it certainly didn't pass me by.

I was specifically talking about what I quoted: the post about being (paraphrasing) 'young dumb and in love and thinking a baby was a good idea and that a 16yo boy would get a job and support the family'

There's a big difference between that and 'getting caught out' accidentally.

Sorry you've lost me, that thread was about a 16 year old continuing with an unplanned pregnancy not planning a pregnancy on that basis. If you've never seen a teenage pregnant girl think it's a good idea to continue and her boyfriend was absolutely gonna stay and support her, then you missed a hell of a lot of reality TV in the 2000s

Theunamedcat · 25/10/2025 14:41

taxguru · 25/10/2025 14:31

Surely if a woman knows she's very fertile, common sense would say to use more effective contraception methods. It's about taking responsibility for yourself. Lots of different options these days for contraception.

My friend got pregnant with condoms so went on the pill pregnant again so had a coil got pregnant again used a different coil began having major medical episodes they believed were connected to the coil so they eventually removed it and were going to put another different coil in or implant put her on a different "better" pill in the meantime and she got pregnant again

These days she lives like a monk with a copper coil just in case before people scream she should have her tubes tied they won't do it because she is too young

And yes she works

twistyizzy · 25/10/2025 14:41

Unrulyscrumptious · 25/10/2025 14:35

Umm I used your own words back at you that you chose to stop at one, aren't exactly happy about it and that people should also be unhappy and not have children they want, is that projecting? Using your own words?
No projecting is preaching that women who you think should be on contraception regardless of their health or wishes and then fall pregnant unconsciously need your unelaborated on "targeted help" to ensure it doesn't happen again, because you're projecting some moral failure on them for falling pregnant because it hasn't happened to you.

I never said I wasn't happy. I'm very happy with 1 in fact I said so 🙄 No anger from me. You have projected yours on to me.

You have shocking comprehension skills and an obvious agenda.

Unrulyscrumptious · 25/10/2025 14:41

twistyizzy · 25/10/2025 14:39

Don't get sucked in. PP is an aggressive pro-lifer, you will be accused of eugenics etc. Best not to engage.

Lmao check my post history, I am completely pro choice as late as necessary. The fact you're trying to paint me into being a to choice (please don't she the words prolife 🤢) because I believe in bodily autonomy across the board meaning women should be able to continue with any pregnancy they want as well with state support because you wanna advocate sterilising poor people is WILD.

vivainsomnia · 25/10/2025 14:42

Some people have conditions that means they can never work and will always rely on the state, and they are not entitled to a family the same as people better off to the point we should actually encourage them to be sterilised so accidents don't happen is what you're saying
No posters here has advocated that poor people should never have one child. The point is gave one, maybe two, but stick to that number, the same way people with more money are doing because they know that that is the best decision for their existing children. What is there to debate about this? That everyone should be Freetown have as many children as their heart desire and that it is right that it becomes the responsibility of society to make sure these additional children are not penalised?

Zavettimexico · 25/10/2025 14:42

ChesterDrawz · 25/10/2025 14:29

I was a teen in the 80s myself; it certainly didn't pass me by.

I was specifically talking about what I quoted: the post about being (paraphrasing) 'young dumb and in love and thinking a baby was a good idea and that a 16yo boy would get a job and support the family'

There's a big difference between that and 'getting caught out' accidentally.

I still don’t see the issue? 15 year olds think they’ve fallen in love and have a baby together tale as old as time. The only reason to be mad about it is the tax payers money argument but what 15 year old knows all about taxes?
@No5ChalksRoad holding it against someone that they were once young dumb and in love is batshittery

FrangipaniBlue · 25/10/2025 14:42

Unrulyscrumptious · 25/10/2025 13:25

But the 16 year old is already pregnant. Two condoms and a MAP aren't going to make that go away,.so you're saying they have to terminate? Against their wishes.

You might call others stray cats but you're sounding like sociopath and very very angry. I'm not sure you had to actually work that hard not to fall pregnant if this is your true personality coming through.

If they’ve already gone to the effort of using 2 condoms and the MAP then I think it’s highly unlikely that a termination would be “against their wishes”……

No5ChalksRoad · 25/10/2025 14:42

Ubertomusic · 25/10/2025 14:36

Ignorant of your expectations of lax immigrant policies to solve the dire problems of low birth rate society by attracting cheap labour from modern "colonies"?

Well, you stated it clearly, no one can be ignorant of your views now 😂

Perhaps you are unaware, but people emigrate from all over, not just (ugh) “colonies”.

Unrulyscrumptious · 25/10/2025 14:43

FrangipaniBlue · 25/10/2025 14:42

If they’ve already gone to the effort of using 2 condoms and the MAP then I think it’s highly unlikely that a termination would be “against their wishes”……

How so? Are you saying that by consenting to use a condom or the MAP a woman is consenting to a termination? Do you even know the different between contraception and abortion?

Unrulyscrumptious · 25/10/2025 14:45

vivainsomnia · 25/10/2025 14:42

Some people have conditions that means they can never work and will always rely on the state, and they are not entitled to a family the same as people better off to the point we should actually encourage them to be sterilised so accidents don't happen is what you're saying
No posters here has advocated that poor people should never have one child. The point is gave one, maybe two, but stick to that number, the same way people with more money are doing because they know that that is the best decision for their existing children. What is there to debate about this? That everyone should be Freetown have as many children as their heart desire and that it is right that it becomes the responsibility of society to make sure these additional children are not penalised?

Because the only way to enforce your 1-2 child limit in any real world sense in pretty fucking grim which is why no one wants to expand on how they think this should be done