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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:
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5
No5ChalksRoad · 25/10/2025 16:23

The other aspect never discussed is outcomes. If people want the right to procreate with the taxpayer picking up the tab, the taxpayer has a right to expect decent outcomes.

If people produce (absent a diagnosed disability on the part of the offspring) an abuser, criminal, addict, illiterate, non-worker or other antisocial burden, etc., we should be able to dun them and recoup whatever we paid them to produce said offspring. How would people like it if their old-age pensions were docked to recoup what was paid out to them when they produced children they couldn't afford?

Maybe if that were part of the "social contract" people would be a bit more diligent with their contraception.

PruthePrune · 25/10/2025 16:23

I think it's more a case of somone having loads of kids they cant afford then ending up pregnant again.

HRchatter · 25/10/2025 16:23

We were earning in excess of 100 grand each in 2008 and then his industry turned to shit as did mine. He got a decent redundancy. I did not.
And then, with the stress of it all we split up
So we went from being able to afford private school
To not being able to afford to pay the milkman
We had savings for two years plus the redundancy, but unfortunately the children were nonreturnable
I really don’t know how much more planning we could’ve put into them
Shit happens

SlobbinBlob · 25/10/2025 16:24

taxguru · 25/10/2025 15:52

Nail on the head. Same at my school. I was a teen in the late 70s/early 80s. We knew how to avoid getting pregnant. Can't think of a single girl who got pregnant whilst at our school. And no, were definitely weren't all nuns.

That’s great for you, but very ignorant.

And if you were also sexually active, then any of you could have gotten pregnant. So, you’d think there would be a bit more empathy there.

You were just lucky enough to have access to birth control, sex education, parents who’d permit a termination, and weren’t involved with boys who took advantage/coerced/raped.

Firefly1987 · 25/10/2025 16:24

Marshmallow4545 · 25/10/2025 16:15

This is a really odd way to look at things. I actually think that we should all look to cover our own costs as far as possible from the cradle to the grave. It's called self responsibility.

So if you benefited from a state education, FSMs or whatever else then you absolutely should be paying tax now to repay this debt to society. You benefitted from this stuff, not your parents. It's irrelevant whether you choose to have children or not. You don't just get to magically forget that you enjoyed an education funded by the taxpayer and suggest that now you can actually begin to pay this money back that only parents should be paying for the education budget.

Debt to society? It was entirely our parents choice to bring us into the world, put us into education etc. none of it was optional. The tax payer is paying for kids to be raised and educated by teachers so the parents don't have to do it personally. Parents can pay for it. I'd have opted out of life entirely given the choice.

spoonbillstretford · 25/10/2025 16:24

TwinklyStork · 25/10/2025 15:53

I agree, but how do you (you general, not you you) propose that they do that when they can’t afford to either? How do you propose to get blood out of a stone?

Obviously there are absent fathers who can well afford it and just take the piss but I’m thinking of, for example, a couple on a level of wages that means they can afford to pay for their kids while together, but then they split up and the cost of running two households is so prohibitive that neither can afford it. What then?

This is particularly an issue in areas where the cost of housing is so awful.

I'd like the CSA to have far more power and chase up men who apparently have no or very low income but a nice lifestyle. A joint investigation with HMRC should uncover where their income is.

No5ChalksRoad · 25/10/2025 16:26

HRchatter · 25/10/2025 16:23

We were earning in excess of 100 grand each in 2008 and then his industry turned to shit as did mine. He got a decent redundancy. I did not.
And then, with the stress of it all we split up
So we went from being able to afford private school
To not being able to afford to pay the milkman
We had savings for two years plus the redundancy, but unfortunately the children were nonreturnable
I really don’t know how much more planning we could’ve put into them
Shit happens

Your splitting up was a choice. Unless there was DV involved, sometimes you just have to suck it up. Instead of expecting the taxpayers to suck it up

shuggles · 25/10/2025 16:27

@Marshmallow4545 So if you benefited from a state education, FSMs or whatever else then you absolutely should be paying tax now to repay this debt to society.

Then I should be paying tax to the people who funded my state education. Those people are boomers and pensioners.

I should not be paying tax to other people's children, when those people have no respect for my life, and when I have not been afforded the same opportunity to have children.

It would be like if I wasn't able to buy a car, but you insisted that I pay taxes to fund your car, even though in all probability you probably earn a lot more than I do. If you think that's a strange way to look at things, then you need to go and learn how to think properly.

Ubertomusic · 25/10/2025 16:27

Hortesne · 25/10/2025 15:36

And a UK tax tabulation manual.

No we are all satisfied! 🤣

LadyGreyjoy · 25/10/2025 16:31

user793847984375948 · 25/10/2025 15:13

Yeah I'm talking about working parents too. I'm talking mainly about those on minimum wage.

So you think anyone on minimum wage should not have kids? So this means people choose either a minimum wage job OR kids.

If having children shouldn't only be for the rich how do you square this?

Without our welfare state it would completely prelude anyone on min wage from ever having a kid.

Can't get my head around your mindset really but that's why I made the post, for insight.

Have any?

Well you said you you couldn't understand why a parent who stayed at home on government support was labelled a sponger but working parents getting their child care paid for is not seen as sponging. I pointed out why it's quite obvious what the difference is.

I never mentioned minimum wage workers not having children, you did.

No5ChalksRoad · 25/10/2025 16:33

SlobbinBlob · 25/10/2025 16:24

That’s great for you, but very ignorant.

And if you were also sexually active, then any of you could have gotten pregnant. So, you’d think there would be a bit more empathy there.

You were just lucky enough to have access to birth control, sex education, parents who’d permit a termination, and weren’t involved with boys who took advantage/coerced/raped.

I am so incredibly tired of the outcome of personal responsibility being attributed to "luck."

It takes focus, effort and determination.

caringcarer · 25/10/2025 16:36

@user793847984375948If you can get nursery for £1k a month you have an absolute bargain. My DD paid £1800 pcm 7 years ago for my eldest dgs. All DC deserve enough decent food, clothes and shoes to wear, somewhere warm to live, a bed and at least 1 hobby or interest as a basic need. If you can't provide that I don't think it's right to have them knowing they will live a deprived life. Wait until you can afford them. My DD saved up until they could afford her to take 1 year off on maternity leave before having a DC. Then a couple of years later saved up again for second DC.

LadyGreyjoy · 25/10/2025 16:37

Hedgehogbrown · 25/10/2025 12:11

So raising a child is not contributing to society? Why do the government pay childcare workers to do it then, if it adds nothing to society? What if I told you that you should afford your own childcare when you work, and stop expecting the state to pay your childcare, would you think that is unfair?

Of course raising a child is a contribution to FUTURE society. It is not a contribution to the CURRENT society. Current society needs my skills and tax. I work in healthcare, trust me , my patients need me at work more than the rest of society needs me at home raising my child full time.

Working parents are raising their children too, that is not outsourced. I look after my child three days a week and evenings and I look after sick people four days a week. Productive adults are capable of doing more than one thing and society needs them to do more than one thing. If every woman in the country thought raising their own child was the only contribution they needed to make to society and abandoned all their other other obligations the health service, police service and economy would collapse. There would be no one to.teach your children at school either. But wait, is that responsibility to society only for other mums?

Algen · 25/10/2025 16:46

No5ChalksRoad · 25/10/2025 16:33

I am so incredibly tired of the outcome of personal responsibility being attributed to "luck."

It takes focus, effort and determination.

And luck.

You can have all the focus, effort and determination in the world and things can still go wrong.

user793847984375948 · 25/10/2025 16:51

FrangipaniBlue · 25/10/2025 16:21

To answer your question @user793847984375948i think parents (not just women) should be encouraged to raise their children up to 3 years old so yes, the state should help by topping up wages to allow BOTH parents to to reduce their hours to be at home.

In the long run while it costs the tax payer, it raises taxes and fosters a healthy work ethic which in turn is imparted on the children/next generation.

The reason I say both parents is that I think it should be split so that it reduces their hours impact on women’s careers.

From age 3 the government should then help with nursery costs as it helps the parents increase hours/get back into their careers AND helps with child development them being around other children at least part time before starting full time education.

If parents choose not to work then the state should only help in so far as ensuring the children are fed, clothed and have a roof over their heads but I also think those parents and children should be supported through things like sure start centres and not just “left to rot”. and yes, the money should be capped.

Put simply, no children should live in poverty and parents should be supported and encouraged to work with help if needed.

this is what happens.

I think a lot of it is about priorities.

Some people refuse to go without (booze, fags, drugs, lips, nails, nights out) while the children do.

That's obviously horrific.

But if you pour all your state funds into your children then you can give them a very decent life. The basics actually cost very, very little.

But what if you prioritise your career and work 6am - 6pm and hardly see the child and then they grow up with abandonment issues?

Is she better? Just because she's earning more? And the wealthy hoard money instead of spend it. So do they really contribute to the economy more? I don't think so.

OP posts:
TwinklyStork · 25/10/2025 16:53

spoonbillstretford · 25/10/2025 16:24

I'd like the CSA to have far more power and chase up men who apparently have no or very low income but a nice lifestyle. A joint investigation with HMRC should uncover where their income is.

Yes, of course. But what about people who just have a very low income? How do they pay for their kids when they also have to fund somewhere to live? People who can afford to do it when splitting costs with a partner but can’t once they split up?

I don’t have the answer either, I’m just not sure there is one.

user793847984375948 · 25/10/2025 16:54

No5ChalksRoad · 25/10/2025 15:59

People need to cut their cloth. I stay in a hated well-paid job because I need it to support my lifestyle choices.

if I opted for an easy “comfortable” low-paid job, I’d have to forfeit certain things. That’s life.

I suppose I find it sad that something that can be forfeited is having children and all because you don't want to be miserable in your job.

It ruins your life being in a job you hate. Going to somewhere you despise every single day? I'd rather not be alive. I'm sure you don't hate your job that much.

OP posts:
user793847984375948 · 25/10/2025 16:56

shuggles · 25/10/2025 15:39

@user793847984375948 Do you support, in theory, any legal routes to preventing the poor from having children?

I think you're misunderstanding where me, and many other people, are coming from. I do not have an issue with poor people, and I suspect that the average mumsnetter would consider me poor if they saw my salary.

I do not think there should be legal barriers to prevent poor people from having children. On the contrary, I think more work should be done to bring down the cost of living (especially housing) which may indirectly encourage people to have children.

My specific issue is that I, as a single person with no children, am being asked to pick up the bill by parents who likely do not consider me to be a person, and would prefer me to be dead if they ever thought my mere existence was inconveniencing their children in the slightest way.

So in that regard, I think I would be fine with financial support to help poor families with children, so long as there was a way for single and childless people to opt out of paying that tax money.

Given that it's an established fact that single living is more expensive than living as a couple, why is there no tax relief for single people?

Oh okay, the single tax brigade. Honestly I don't get it. Not trying to be rude but you have a chip on your shoulder. The way you see people with kids as wanting you dead, that's quite extreme.

Do you like being single?

OP posts:
Ubertomusic · 25/10/2025 16:57

Marshmallow4545 · 25/10/2025 16:15

This is a really odd way to look at things. I actually think that we should all look to cover our own costs as far as possible from the cradle to the grave. It's called self responsibility.

So if you benefited from a state education, FSMs or whatever else then you absolutely should be paying tax now to repay this debt to society. You benefitted from this stuff, not your parents. It's irrelevant whether you choose to have children or not. You don't just get to magically forget that you enjoyed an education funded by the taxpayer and suggest that now you can actually begin to pay this money back that only parents should be paying for the education budget.

Why do you think PP's parents were not paying taxes? Or school fees for that matter.

Now that is an odd way to look at things.

user793847984375948 · 25/10/2025 16:59

No5ChalksRoad · 25/10/2025 15:25

Assuming two working parents, that’s not unreasonable.

Or, couples on lower wage can save for a few years before TTC, like my parents did.

But people who can't should just never be parents? I suppose it makes sense logically.

But while I think okay we can't all go to Mauritius on holiday is a thing you can give up and still be happy, but a yearning to be a mother could end your life if unfulfilled. I think it's really different you know?

If there's this super responsible person who thinks okay I couldn't cope with a more demanding job and really want to pour myself into motherhood, and can't, or doesn't due to this social contract, surely she'd just decide she may as well not bother with life? I think it could lead to more suicides. I think a drive for motherhood is a valid thing to need to be happy?

OP posts:
user793847984375948 · 25/10/2025 17:00

No5ChalksRoad · 25/10/2025 15:16

Hopefully people progress off min wage at some point as they better themselves. Let them exercise self-discipline in the meantime.

Why though? Why is it better to earn more? It's meaningless isn't it in the grand scheme?

It feels like you're saying people on min. wage don't deserve anything about bread and water. Is this what you think? Is this not a totally dystopian view of the working class?

OP posts:
user793847984375948 · 25/10/2025 17:02

Chiseltip · 25/10/2025 13:31

Well, you wouldn't buy a horse if you couldn't afford to care for it would you?

Kids are expensive. And if you can't afford to pay for them, it's seen as a burden for others.

Back in the day, when women didn't work and an average working man's salary could pay for the basics, it was different. But today, the reality is that most people literally can't afford to have children. They do it anyway, but they rely on the state to fund their choices in some way. Either through subsided nursery places, child benefit payments, or other claims.

Replace the word child with "pet" and you will quickly see the problem.

Yes there is the whole future tax payers issue, but people alive today don't care about that.

No, and there are things I really want, like a nicer house, and may never have it, and that's fine, even though that affects me literally every single day.

But children are a future investment for all so I don't see why infrastructure for children shouldn't be a decent way to spend tax money.

OP posts:
Algen · 25/10/2025 17:03

I think a drive for motherhood is a valid thing to need to be happy?

Surely you’re not saying that women who aren’t mothers can’t be happy? That’s an equally weird position to take.

Even ignoring women who don’t have that drive for motherhood, many women can’t have children through health or through circumstance and find a different route to happiness. As adults, we do have to accept that we can’t always have everything we may want.

Firefly1987 · 25/10/2025 17:04

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?

Having so many kids is always a HUGE risk. I don't think you can ever adequately plan for every eventuality. It's why I'd never have that many-the chances of a bloke walking away (I know that wasn't your situation) has gotta be exponentially higher the more kids you have.

SlobbinBlob · 25/10/2025 17:04

No5ChalksRoad · 25/10/2025 16:33

I am so incredibly tired of the outcome of personal responsibility being attributed to "luck."

It takes focus, effort and determination.

So are teenagers kids or not then? Seems like they’re expected to have all the autonomy and faculties as adults despite still being in school or college.

‘Babies having babies’, as teen parents are often called, are supposed to have personal responsibility?

And yes, the family, area, culture, religion and income you have as a teen is absolutely down to luck. Only the privileged can say it’s not. Again, teenage girls:

May not be allowed to use, or have access to, birth control.
May not have sex education due to family/religion.
May come from a traumatic background that impeded their judgement.
May be coerced or raped, either by a peer or adult.
May not be permitted to have an abortion by family/religion/culture.
May just have had sex with a boyfriend and exercised their right to choose by continuing the pregnancy.