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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
No5ChalksRoad · 26/10/2025 18:17

Ubertomusic · 26/10/2025 17:41

Sorry but telling anyone when they should get married and how many children they are allowed to have is arrogance beyond belief.

There's a reason why there has long been (regardless of what people tell themselves) a strong stigma against out of wedlock births. And it's not because we're prudes or care who has sex with whom.

it's because most societies have recognized that where there isn't a committed couple raising children, it falls to the rest of society to pick up that slack, and we don't want to. when people bother to get married before conceiving offspring, there is a better chance that those offspring will be reared by two parents. many scholarly and scientific studies have proven beyond a doubt that outcomes are better for people raised in a two-parent home, even when adjusting for stress in a home with two unhappily married parents. It's still better.

there really is absolutely no excuse for producing additional human beings outside of a legally committed marriage.

GagMeWithASpoon · 26/10/2025 18:19

No5ChalksRoad · 26/10/2025 18:17

There's a reason why there has long been (regardless of what people tell themselves) a strong stigma against out of wedlock births. And it's not because we're prudes or care who has sex with whom.

it's because most societies have recognized that where there isn't a committed couple raising children, it falls to the rest of society to pick up that slack, and we don't want to. when people bother to get married before conceiving offspring, there is a better chance that those offspring will be reared by two parents. many scholarly and scientific studies have proven beyond a doubt that outcomes are better for people raised in a two-parent home, even when adjusting for stress in a home with two unhappily married parents. It's still better.

there really is absolutely no excuse for producing additional human beings outside of a legally committed marriage.

She did get married. Irrelevant when. Didn’t actually make a difference did it ?

Ubertomusic · 26/10/2025 18:21

LadyGreyjoy · 26/10/2025 18:03

So what? She was paid for her work. I didn't bang any pans and neither did a lot of other people. I pay my taxes. That pays their wages. They are paid for their work like the rest of us.

I certainly don't feel I owe NHS workers anything, especially ones I've never met or been treated by.

Twinkle pays taxes to not only pay her wages but also the for her children's keep as she can't pay for them herself, it's certainly not Twinkly who owes that lady, it's the other way around! Unless you're one of those weirdos that think NHS workers are our moral superiors and should be worshipped, which you may well be from your posts.

Edited

Yep, got your point, stop the UC and send your children do her job for her wages. Shouldn't be a problem at all.

We will do our best to be as ungrateful as you are :)

XenoBitch · 26/10/2025 18:22

GagMeWithASpoon · 26/10/2025 18:19

She did get married. Irrelevant when. Didn’t actually make a difference did it ?

My sister got married about a year after having her kids. They have been married for over a decade now. But I imagine if my BIL left her, then certain people on here would still say it is her fault and that she "popped out kids for the tax payer to fund".

GagMeWithASpoon · 26/10/2025 18:23

TwinklyStork · 26/10/2025 18:06

She was working for the NHS caring for taxpayers in an underpaid job, knowing she was working in an underpaid job, yet still popping out four kids in eight years that she expected "the taxpayer" to fund. Zero sympathy, just aghast at the entitlement.

Edited

Well no, she expected herself and her husband to support their children and eachother, like with childcare for her night shifts. That was the plan. He fucked off. That was not the plan.

And are we really at the point where a career in the NHS is seen as feckless and irresponsible when it comes to having children? Who exactly should have kids then? Only people on 50k+ wages?

Ubertomusic · 26/10/2025 18:25

TwinklyStork · 26/10/2025 18:03

I didn't tell anyone when to get married (again, you're lacking a bit in the comprehension department, aren't you?). I said having four kids without the financial protection of being married when you don't earn enough to support them (or even yourself, by the looks of it) on your own is extraordinarily unwise. She was in an extremely vulnerable position. And still is. Because now she's stuck on benefits with four kids to feed.

Why is it arrogant to think that planning to have more children than you can afford to pay for is unacceptable? Do you think the state should just pick up the tab for them, because someone wants them? How many of your children are the state paying for, since you're so touchy about it?

Sorry I can't explain to you why that is arrogant, your parents should have done that but they obviously forgot.

Babybaby2025 · 26/10/2025 18:30

I don't begrudge any couple with atleast 1 person working full time having 1-3 children but requiring benefits for top ups.

I understand why many women don't feel it's not worth working if they don't bring in much more than what's paid out for childcare. I read the arguments, pension, career progression etc, but not everyone has a career, many just have jobs. If I was in that position, I'd not want to go back till children are school aged.

I do take issue with people knowingly being in a shit financial situation, not having appropriate housing, not in any form of employment, basically as a couple having a baby knowing it'll be 100% tax payer funded. Which i unfortunately do know a few women/ couples who have had usually multiple children in this situation.

No5ChalksRoad · 26/10/2025 18:31

GagMeWithASpoon · 26/10/2025 18:19

She did get married. Irrelevant when. Didn’t actually make a difference did it ?

Getting married BEFORE conception is the key. It demonstrates a mindset that is oriented toward commitment, stability and establishing a household unit. And a commitment to your community that you (general you, not you you) are going to be stable and mature members of society.

Going through the motions after producing four kids out of wedlock isn't even remotely the same.

Crikeyalmighty · 26/10/2025 18:34

@TwinklyStork im of a centre left mentality and totally agree- i only had 1 child with my H( now 27) simply because I knew we would both need to work full time to have a pretty ok lifestyle and look after our son well- also as it was my 2nd marriage I’m well aware that if I ended up on my own I wanted to be able to cope - unless there is a lot of wealth in the family and you are married these days I wouldn’t personally risk ‘big families’ - and I certainly wouldn’t expect others to go round paying me for making those choices .

TwinklyStork · 26/10/2025 18:40

Ubertomusic · 26/10/2025 18:25

Sorry I can't explain to you why that is arrogant, your parents should have done that but they obviously forgot.

Perhaps that's because they were too busy paying their way instead of sitting on their arses at home all day while expecting the state to keep me.

Again, you're very touchy about this without having a coherent argument to back up your position. How many of your kids are funded by the taxpayer?

Ubertomusic · 26/10/2025 18:43

TwinklyStork · 26/10/2025 18:40

Perhaps that's because they were too busy paying their way instead of sitting on their arses at home all day while expecting the state to keep me.

Again, you're very touchy about this without having a coherent argument to back up your position. How many of your kids are funded by the taxpayer?

My child goes to a private school and I pay for private healthcare. It's not your business at all though, is it?

Your parents were clearly absent, no need to prove it further.

GagMeWithASpoon · 26/10/2025 18:46

No5ChalksRoad · 26/10/2025 18:31

Getting married BEFORE conception is the key. It demonstrates a mindset that is oriented toward commitment, stability and establishing a household unit. And a commitment to your community that you (general you, not you you) are going to be stable and mature members of society.

Going through the motions after producing four kids out of wedlock isn't even remotely the same.

Considering the divorce rates( I’ve heard they’re getting lower though) do they really demonstrate any of that?

TwinklyStork · 26/10/2025 18:49

GagMeWithASpoon · 26/10/2025 18:23

Well no, she expected herself and her husband to support their children and eachother, like with childcare for her night shifts. That was the plan. He fucked off. That was not the plan.

And are we really at the point where a career in the NHS is seen as feckless and irresponsible when it comes to having children? Who exactly should have kids then? Only people on 50k+ wages?

Of course. But her post reads as if she had four kids with him without the financial protection of getting married (but again, it's really badly written, so I could have interpreted it incorrectly). So either a) they only married eight years into the relationship by which time they already had four kids and he left her six months after they married, but any time during having those four kids, he could have walked out and left her penniless and that's a really vulnerable position for her and the kids or b) that or they were married when they had the kids and he cheated on her six months into the marriage, in which case she went on to have four kids over eight years with an known unfaithful husband. Neither are particularly smart, are they? I don't have much sympathy for that, because both show an extraordinary lack of judgement.

And no, an NHS career isn't feckless, of course, and it's scanadlous that wages in this country don't allow people to comfortably afford families, but that doesn't change the fact that a single, trainee-level NHS salary is not enough money to support four children on. Clearly it isn't, because she's now raising her four kids on benefits, presumably because going to work at her salary level doesn't pay enough to do so. And those children were planned, over the course of eight years. She/they had four kids, deliberately, knowing that they couldn't support them themselves (unless he was earning 6 figures plus, which I highly doubt) and the state would have to pick up the tab for them. And that's just entitled and stupid and wrong.

TwinklyStork · 26/10/2025 18:52

Ubertomusic · 26/10/2025 18:43

My child goes to a private school and I pay for private healthcare. It's not your business at all though, is it?

Your parents were clearly absent, no need to prove it further.

You know nothing about me. Please explain how you deduced that? I'd love to hear your reasoning.

And yes, I'm sure your child goes to private school; you're not even bright enough to string together a coherent or logical argument, so I doubt very much you're able to earn enough to pay for that.

Ubertomusic · 26/10/2025 18:56

TwinklyStork · 26/10/2025 18:52

You know nothing about me. Please explain how you deduced that? I'd love to hear your reasoning.

And yes, I'm sure your child goes to private school; you're not even bright enough to string together a coherent or logical argument, so I doubt very much you're able to earn enough to pay for that.

Edited

Whatever makes you happy 🤷‍♀️

TwinklyStork · 26/10/2025 19:00

Ubertomusic · 26/10/2025 18:56

Whatever makes you happy 🤷‍♀️

See, you can't, can you? You can't even string together a logical counter argument, let alone explain how you deduced that my parents were absent. And yet you expect me to believe you're educated enough earn enough to send your child to private school and pay for private healthcare.
Of course you do.

Neetra30 · 26/10/2025 19:02

Lemonadepie · 26/10/2025 15:59

Of course you CAN do what you want with your body, but if the result of your actions are a burden on the rest of society, then you might want to reconsider

Having an abortion is a burden on society.
If anything having kids you cant afford and expecting the taxpayer to pay up is a burden on society.
I dont understand the point of your post?

Neetra30 · 26/10/2025 19:03

Neetra30 · 26/10/2025 19:02

Having an abortion is a burden on society.
If anything having kids you cant afford and expecting the taxpayer to pay up is a burden on society.
I dont understand the point of your post?

Sorry I meant having an abortion IS NOT a burden on society

Ubertomusic · 26/10/2025 19:09

TwinklyStork · 26/10/2025 19:00

See, you can't, can you? You can't even string together a logical counter argument, let alone explain how you deduced that my parents were absent. And yet you expect me to believe you're educated enough earn enough to send your child to private school and pay for private healthcare.
Of course you do.

I don't need to present any arguments to you and couldn't care less if you believe me or not. You kept asking intrusive questions, you got an answer, you're unhappy with it but it's not my problem, sorry.

Ubertomusic · 26/10/2025 19:10

TwinklyStork · 26/10/2025 19:00

See, you can't, can you? You can't even string together a logical counter argument, let alone explain how you deduced that my parents were absent. And yet you expect me to believe you're educated enough earn enough to send your child to private school and pay for private healthcare.
Of course you do.

Double posting

Firefly1987 · 26/10/2025 19:34

GlitterFaery · 26/10/2025 16:56

Yes, it’s sad to not be able to have as many children as you might want to but if you can’t support them then you can’t have them. It’s as simple as that 🤷‍♀️ DH and I have a combined household income of £110k but have no children together. We have three between us from previous relationships but felt that having more would be unaffordable. It is what it is 🤷‍♀️

Exactly-the well off and highly educated are the ones stopping at two or three kids because they know if things went south they wouldn't be able to afford more. Why should they have to limit their families whilst others pop out as many as they like?

XenoBitch · 26/10/2025 19:37

Firefly1987 · 26/10/2025 19:34

Exactly-the well off and highly educated are the ones stopping at two or three kids because they know if things went south they wouldn't be able to afford more. Why should they have to limit their families whilst others pop out as many as they like?

There is nothing actually stopping them having more.

Firefly1987 · 26/10/2025 19:40

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. 😊🙌🏻

It's not single mums it's big family sizes. Everyone should be able to have one or two kids and I don't think anyone would begrudge someone that but four is a luxury most of the country wouldn't even be able to afford.

TwinklyStork · 26/10/2025 19:47

XenoBitch · 26/10/2025 18:13

She was not expecting the taxpayer to fund them. She was in a relationship with the father and they got married. A totally normal thing to do... make plans together.
Then he left her.

You are basically saying anyone in minimum wage jobs should not be having children at all. Just own it.

I'm not. Not at all. I've not said that once. There's a HUGE difference between not having children at all on a minimum wage job and deliberately planning and having FOUR children on a minimum wage job when you can't afford to feed them. Huge difference. Massive. It's the difference between getting by, which most people do, and expecting other people to fund your life choices, which most people do not.

Again, bit dim in the comprehension department, aren't you? Point me towards where I've said that nobody on a low wage should have children. You won't be able to, because I've never said that.

TwinklyStork · 26/10/2025 19:50

Ubertomusic · 26/10/2025 19:09

I don't need to present any arguments to you and couldn't care less if you believe me or not. You kept asking intrusive questions, you got an answer, you're unhappy with it but it's not my problem, sorry.

As intrusive as declaring that my parents neglected me, you mean? My parents did nothing of the sort. You, on the other hand, from your vehement, furious posts on here: obviously popping out kids you can't afford to pay for or care for with no thought or care for who will. Hope that helps.

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