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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
XenoBitch · 26/10/2025 01:33

I am glad we have welfare system where kids are not left in poverty.
It is all very well saying that people should only have kids they can afford, but if that meant no government help at all, then only the well off would be having kids. But I get the impression that is what some people on here want.
It is not like you can return kids once they are born.

Sad to see some piling on on to the single mums on here. On MUMSnet. FFS.

XenoBitch · 26/10/2025 01:44

hadenough2025 · 25/10/2025 21:52

MY SITUATION

I have 4 children, I wanted children and unfortunately for me my marriage didn’t work out, I didn’t plan on being a single mother on my own no, I didn’t plan to be on benefits either, I had a full time job, i was with their dad for over 8 years and we got married, he cheated on me 6 months later and then boom had to quit my job with the nhs and go on to benefits because I couldn’t work nights anymore. I don’t have friends or family who can help me out and have done it all on my own, never had any support if honest. I’ve been trying to find a job that’s fits round my children’s schools/nursery. It’s extremely hard, I also have a child who has additional needs, I do get offended when people say they shouldn’t have children if they can’t afford them, or implies that towards single mums who are on their own with the kids on benefits and assume and judge the outcome of why that is so. Life is full of obstacles sometimes it cannot be helped how things turn out. Would I have thought I’d end up on my own with 4 kids? No. Did I think my husband was going to cheat on me 6 months after we got married? No. Hindsight is a wonderful thing and if I had foreseen the future before hand I wouldn’t of had my children with him. Some things cannot be helped 🤷🏼‍♀️

You are doing your best. Don't let the twats on here blame you for the situation you are in.
You were married... you had no idea your husband would leave. Am fed up with seeing the woman blamed for ending up in situations like yours.
My ex left me after 8 years too. He also cheated. The first thing my mum said to me was "what did you do?".

Firefly1987 · 26/10/2025 01:56

XenoBitch · 26/10/2025 01:44

You are doing your best. Don't let the twats on here blame you for the situation you are in.
You were married... you had no idea your husband would leave. Am fed up with seeing the woman blamed for ending up in situations like yours.
My ex left me after 8 years too. He also cheated. The first thing my mum said to me was "what did you do?".

The blokes a useless prick, obviously-and I hope he got the snip before fathering any more kids he can't look after. I just don't know why some women make life so hard for themselves-four kids with zero support, no friends or family help at all? Of course you're going to be in dire straits if the man walks out. I'm sure she's doing amazingly well, it must be a very hard life though.

RingoJuice · 26/10/2025 03:06

user793847984375948 · 25/10/2025 18:08

No, it's taxpayers who pay for it. Rich white men store their wealth in low or no tax offshore accounts.

I suggest you review who actually pays taxes in your country

NotEnoughKnittingTime · 26/10/2025 05:57

Firefly1987 · 26/10/2025 00:55

How did you get that from my comment? I'm saying having more kids increases the chances of one or more having additional needs (it's always said when someone is considering another child-could you cope if you have another child and they have SEN?) so it's a legitimate thing to think about/plan for. Secondly, it increases the pressure and strain on a relationship.

It came across as you think they use them as a cash cow.

NotEnoughKnittingTime · 26/10/2025 05:59

No5ChalksRoad · 26/10/2025 00:23

So you had four kids out of wedlock with a loser in an uncommitted relationship, without viable job options, and you say it’s somehow unpredictable that it would all go to shit?!?

Why didn’t you marry and establish a career that would support your family, before deciding to produce four human beings for everyone else to support?

please don’t play the victim here. It can “be helped how things turn out. That is exactly the point of this entire thread.

It is not a crime to not be married you know.

MrsMurphyIWish · 26/10/2025 06:08

I was born into a family that never worked a day in their lives and the state raised me. If we go down this line of “don’t have children you can’t afford” you are in effect saying some children are more worthy of life than others and I think I have added value to society despite my upbringing.

RingoJuice · 26/10/2025 06:15

NotEnoughKnittingTime · 26/10/2025 05:59

It is not a crime to not be married you know.

You are not legally protected though, if you go ahead and have children with him. I think it’s a dangerous gamble.

Meadowfinch · 26/10/2025 06:37

MrsMurphyIWish · 26/10/2025 06:08

I was born into a family that never worked a day in their lives and the state raised me. If we go down this line of “don’t have children you can’t afford” you are in effect saying some children are more worthy of life than others and I think I have added value to society despite my upbringing.

I am also from a FSM family. My f went on having children (6) because it showed what a 'big man' he was, and because my dm could feed us (but did nothing else) for less than he received in family allowance. We were a revenue stream to him, nothing more.

Yes we have all contributed to society, but our childhoods were utterly miserable.

I have one child. I stopped at one because I could never have lived with knowing I had given my child an equally poor and disadvantaged childhood.

hadenough2025 · 26/10/2025 07:56

@No5ChalksRoadyour narrow minded thinking is why a lot of single mums feel attacked and judged. I had worked from the age of 13 until I had my first child, then I got another job I met my ex husband and we had planned a future together, it’s not an excuse is it? It’s facts we was together a long time and settled down, we even got married ffs! So how that’s an unstable relationship in your mind I don’t know 🤷🏼‍♀️ I didn’t know he would end up cheating on me 6 months later did I? That’s the point. I also got into university as was going to study mental health nursing but that had to be postponed due to my eldest being in a mainstream school and not coping, so my priority was getting him settled and sorted so he could thrive and get an education in the environment that was more suitable for him, because when you have children they come first and are priority, my career has been put on the back burner for now due to raising my kids. Seems as though you are one to tarnish all single mums with the same brush and it’s a disgusting attitude.

hadenough2025 · 26/10/2025 07:59

@Firefly1987ooh another with the same narrow minded and disgusting attitude towards single mums! Hi 👋🏻

You can read the response I sent to another member in this thread not wasting my time repeating myself. 😊🙌🏻

hadenough2025 · 26/10/2025 08:01

This reply has been deleted

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Zavettimexico · 26/10/2025 08:05

hadenough2025 · 26/10/2025 07:56

@No5ChalksRoadyour narrow minded thinking is why a lot of single mums feel attacked and judged. I had worked from the age of 13 until I had my first child, then I got another job I met my ex husband and we had planned a future together, it’s not an excuse is it? It’s facts we was together a long time and settled down, we even got married ffs! So how that’s an unstable relationship in your mind I don’t know 🤷🏼‍♀️ I didn’t know he would end up cheating on me 6 months later did I? That’s the point. I also got into university as was going to study mental health nursing but that had to be postponed due to my eldest being in a mainstream school and not coping, so my priority was getting him settled and sorted so he could thrive and get an education in the environment that was more suitable for him, because when you have children they come first and are priority, my career has been put on the back burner for now due to raising my kids. Seems as though you are one to tarnish all single mums with the same brush and it’s a disgusting attitude.

I get not approving of someone who has 4+ kids by a variety of different men but that poster is a zealot, a few pages back on this thread she said she’d dislike a woman who had a baby at 16 even years later after getting a job.
Im not sure if she’s just trolling I’ve never met anyone who thinks like that.

hadenough2025 · 26/10/2025 08:06

@XenoBitchhonestly the judgements and the comments here are disgusting, I will defend myself because I won’t allow it. Some people’s situations are out of their control, so what if I have 4 kids that’s doesn’t reflect me as a mother, they was planned and they are here. You always get some jumped up old fashioned fool having to write their nasty vicious comments. Life isn’t a fairy tale lots of us have been through a lot. Thank you for your comment. 😊

hadenough2025 · 26/10/2025 08:07

This reply has been deleted

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Differentforgirls · 26/10/2025 08:21

No5ChalksRoad · 25/10/2025 15:12

Why should a shiftless, ill-prepared person be able to “choose” to procreate and stay home for years on the backs of fellow citizens who ARE going out to work? That’s absolutely insane.

I don’t really care what she chooses or wants. We don’t need the offspring of people like that.

Awful 😞

Zavettimexico · 26/10/2025 08:51

No5ChalksRoad · 25/10/2025 14:53

No, the batshittery is excusing and indulging teen pregnancy with maudlin claptrap.

Decent parenting is a major preventative. No one in my school 45 years ago gave birth in her teens. It wasn’t culturally acceptable, and those of us who were sexually active were laser-focused on preventing it.

And so what if I got pregnant at 15 when I was young dumb and in love? I’ve done a good job of raising my children anyway. I guarantee you were not perfect as a teenager also calling bullshit on your claims you knew all about taxes at 15.

There were plenty of girls who got pregnant young 45 years ago in fact statistically it was more common than than today, you just didn’t know about it because they got sent away to have the baby in secret. You are full of bullshit

snowwhiteisfeelinggrumpy · 26/10/2025 10:40

Ubertomusic · 25/10/2025 21:22

Yeah, a safety net for employers that don't pay living wages.

@Ubertomusic Have you ever run a business and employed people?

Because unless you have, you're not in a position to comment.

NotEnoughKnittingTime · 26/10/2025 10:43

snowwhiteisfeelinggrumpy · 26/10/2025 10:40

@Ubertomusic Have you ever run a business and employed people?

Because unless you have, you're not in a position to comment.

That is okay. Just pay shitty wages.

HRchatter · 26/10/2025 10:45

snowwhiteisfeelinggrumpy · 26/10/2025 10:40

@Ubertomusic Have you ever run a business and employed people?

Because unless you have, you're not in a position to comment.

It’s all part of the master plan, to suggest that those in charge haven’t been planning accordingly for the enormous surge in pensions that they need to pay out is ludicrous.
But equally there wasn’t enough productive, useful employment for the young people in the 90s either we had pretty high unemployment
Therefore tax credits which have morphed into universal credits were brought in instead of a universal income. The easiest thing in the world to do would be to just pay everybody £600 a month to do what they wish with.
But of course, then that wouldn’t provide employment for all the HMRC employees who are implementing the system.
They are all just cogs in a wheel
It does make me laugh the bickering amongst ourselves about who’s doing what, worst.
Nobody gives a shit when it comes down to it.
Earn your money don’t earn your money. It doesn’t matter. It’s all coming from the same friggin place and those who think they’re net contributors make me absolutely howl out loud.
One trip to A&E would wipe out your contributions there and then. You wouldn’t be allowed to use the road to drive home with if we are going to charge you what you actually should pay.

snowwhiteisfeelinggrumpy · 26/10/2025 10:48

NotEnoughKnittingTime · 26/10/2025 10:43

That is okay. Just pay shitty wages.

Let me spell it out to you.

Anything that isn't an asset to a business is a cost to the business.

If wages go up then costs go up and prices of the goods/services have to go up.to maintain profit margins.

If the cost of goods/services become too high people won't buy, the business folds and everyone loses out.

Most small businesses aren't operating on huge profit margins they're just paying their way.

Ubertomusic · 26/10/2025 10:49

snowwhiteisfeelinggrumpy · 26/10/2025 10:40

@Ubertomusic Have you ever run a business and employed people?

Because unless you have, you're not in a position to comment.

I do run a business and I managed teams but thank you all the same for putting me in my place, you seem to think you are in a position to dish out your advice to strangers so you probably are a figure of authority on all matters.

Mimph · 26/10/2025 10:51

The point is that many people who are working are thinking carefully about whether they can afford children, the costs of childcare as they are working, the additional costs and often the practicalities. On the other hand it seems that some those on benefits don't have those issues as the state provides benefits and they have the time, don't have to think about childcare as they are to working. Women who are working rightly feel disgruntled.

snowwhiteisfeelinggrumpy · 26/10/2025 10:51

Ubertomusic · 26/10/2025 10:49

I do run a business and I managed teams but thank you all the same for putting me in my place, you seem to think you are in a position to dish out your advice to strangers so you probably are a figure of authority on all matters.

If you had run a business then you would understand about the principles of paying a "living wage" and all the costs involved in running a business.

BTW what sort of "living wage" do you pay your employees?

HRchatter · 26/10/2025 10:53

Mimph · 26/10/2025 10:51

The point is that many people who are working are thinking carefully about whether they can afford children, the costs of childcare as they are working, the additional costs and often the practicalities. On the other hand it seems that some those on benefits don't have those issues as the state provides benefits and they have the time, don't have to think about childcare as they are to working. Women who are working rightly feel disgruntled.

Maybe women that are working have got the wrong idea. Maybe they’re the fools.
Or maybe they’re doing absolutely fine and they should just concentrate on living their own lives and doing the best they can for their families and keep their nose out of everybody else’s business.
Comparison is the thief of joy