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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
1dayatatime · 27/10/2025 22:40

Oh dear the OP looks like yet another "plop and run " thread - usually along the lines of "I don't know much about [politics / economics/ Middle East etc] but could someone explain why [insert controversial statement like above].

The OP is then never heard from again- they are basically there to shit stir and cause division.

No5ChalksRoad · 28/10/2025 01:08

nearlylovemyusername · 27/10/2025 20:22

Do you know that Scandi tax bottom and middle income levels much higher than we do? and that there is no restrictions on access to services, e.g. subsidised childcare for all, not just low-middle earners?

As it should be.

Finity · 28/10/2025 08:40

No5ChalksRoad · 25/10/2025 13:04

Oh, give over.

this poor planet is dying under the weight of excess human beings. As are myriad other species.

there is no shortage of people, all we need is less restrictive migration laws around the globe. and if humanity has to suffer a bit in order to reduce our population to less direly destructive levels, so be it.

stop kidding yourselves that you are doing the world a favour by producing offspring.

Well, if everyone takes your view I'd hate to see what humanity looks like in a generation or so.

Zavettimexico · 28/10/2025 08:51

Algen · 25/10/2025 20:04

I was a teen in the 90s and knew ar least three girls who had babies before they were 16. One of the girls had three children by the time the rest of us left sixth form.

This was an area people would probably consider “nice”, as well.

I think statistically the number of teen pregnancies have actually dropped, haven’t they?

Exactly. I had a baby at 16 and grew up in a nice area too (I know it gets said that teen mums only live in shitholes) half the people judging young mums got pregnant back then too they just had abortions and maybe the reason they’re so judgmental is they secretly regret it and are a little envious of the girls who kept their babies?

NotEnoughKnittingTime · 28/10/2025 10:16

@No5ChalksRoad If you were that bothered about over population then why didn't you stay child free yourself?

No5ChalksRoad · 28/10/2025 10:26

NotEnoughKnittingTime · 28/10/2025 10:16

@No5ChalksRoad If you were that bothered about over population then why didn't you stay child free yourself?

I did. Any other questions?

Pickledpoppetpickle · 28/10/2025 10:33

Friendlygingercat · 25/10/2025 11:44

Meanwhile the unselfish people who are child free are funding everyone and getting nothing back in return! 25% off council tax does not really cut it.

It is not inherently selfish to have children. Or to want them. It could be argued that in a country like ours where the birth rate is not at replacement levels and therefore in need of immigration to support us (frequently taking educated and experienced people from countries that can ill afford a brain drain), it is not having children that is selfish.

And you get plenty back. You dial 999 and you will get the police/ambulance/fire service. You drive on publically funded roads. Your bins are collected. Social Services support the vulnerable. A court and punishment system is in place. Children are educated for everyone’s future benefit etc etc etc

NotEnoughKnittingTime · 28/10/2025 11:58

No5ChalksRoad · 28/10/2025 10:26

I did. Any other questions?

That explains a lot.

Lemonadepie · 28/10/2025 12:00

Zavettimexico · 28/10/2025 08:51

Exactly. I had a baby at 16 and grew up in a nice area too (I know it gets said that teen mums only live in shitholes) half the people judging young mums got pregnant back then too they just had abortions and maybe the reason they’re so judgmental is they secretly regret it and are a little envious of the girls who kept their babies?

I doubt anyone would regret not having had a baby at 16!

At that age most people are still growing up and in education, learning new skills, considering what careers they might want to pursue and as well as starting to have a first relationships.

Zavettimexico · 28/10/2025 12:31

Lemonadepie · 28/10/2025 12:00

I doubt anyone would regret not having had a baby at 16!

At that age most people are still growing up and in education, learning new skills, considering what careers they might want to pursue and as well as starting to have a first relationships.

You’d be surprised I know a woman who had an aborton at that age and after knowing me and seeing how normal my life and family is when she told me about her abortion she said it as if she had some regrets.

And sadly some people reach their 30s/40s with a mediocre job not a career, barely any good friends and leaving a rubbish relationship so really having a baby at an acceptable age like 30 is no different to having one at 16 for these people

No5ChalksRoad · 28/10/2025 12:32

Pickledpoppetpickle · 28/10/2025 10:33

It is not inherently selfish to have children. Or to want them. It could be argued that in a country like ours where the birth rate is not at replacement levels and therefore in need of immigration to support us (frequently taking educated and experienced people from countries that can ill afford a brain drain), it is not having children that is selfish.

And you get plenty back. You dial 999 and you will get the police/ambulance/fire service. You drive on publically funded roads. Your bins are collected. Social Services support the vulnerable. A court and punishment system is in place. Children are educated for everyone’s future benefit etc etc etc

Please. That argument is so tedious.

There is no shortage of human beings; there are more on the planet today than ever before. There will never be a shortage. Subsidies aren’t necessary and just encourage imprudent procreation among people who should be focusing on education and employment.

No5ChalksRoad · 28/10/2025 12:33

Lemonadepie · 28/10/2025 12:00

I doubt anyone would regret not having had a baby at 16!

At that age most people are still growing up and in education, learning new skills, considering what careers they might want to pursue and as well as starting to have a first relationships.

Exactly. Imagine being proud of such a thing.

Zavettimexico · 28/10/2025 12:46

No5ChalksRoad · 28/10/2025 12:32

Please. That argument is so tedious.

There is no shortage of human beings; there are more on the planet today than ever before. There will never be a shortage. Subsidies aren’t necessary and just encourage imprudent procreation among people who should be focusing on education and employment.

So you have no children and call other people a waste of space but unless you plan on euthanising yourself you will expect other people’s children to look after you?

Or the answer is more immigration because you think you will be treated well when you’re in a care home where 90% of the workers are from abroad, potentially from a country that the uk had a bad history with?

No5ChalksRoad · 28/10/2025 12:53

Zavettimexico · 28/10/2025 12:46

So you have no children and call other people a waste of space but unless you plan on euthanising yourself you will expect other people’s children to look after you?

Or the answer is more immigration because you think you will be treated well when you’re in a care home where 90% of the workers are from abroad, potentially from a country that the uk had a bad history with?

You need to train yourself to discuss topics in the abstract without personal insults toward those with whom you disagree.

Posters who resort to ad hominem attacks are essentially admitting they have lost the debate. And have nothing of substance to contribute.

Algen · 28/10/2025 12:56

No5ChalksRoad · 28/10/2025 12:53

You need to train yourself to discuss topics in the abstract without personal insults toward those with whom you disagree.

Posters who resort to ad hominem attacks are essentially admitting they have lost the debate. And have nothing of substance to contribute.

You seem not to understand what a personal insult is.

I could give you an example, but I fear it would be against Talk guidelines.

Zavettimexico · 28/10/2025 13:00

Algen · 28/10/2025 12:56

You seem not to understand what a personal insult is.

I could give you an example, but I fear it would be against Talk guidelines.

Exactly

Differentforgirls · 28/10/2025 14:31

Crikeyalmighty · 26/10/2025 23:57

My son in his 40s has an 8 year old that he adores and sees a lot - almost 50/50 - the mother , who I liked in all honestly , does seem to be a bit of a serial maintanance collector, - 3 kids now, all different dads- as my son says, she likes babies and kids, she doesn’t really want/need relationships but likes the financial support - none of which counts against benefits - all a nice add on -

Was your son tied down and made to have sex against his will?

Differentforgirls · 28/10/2025 14:37

Crikeyalmighty · 27/10/2025 13:02

@Unrulyscrumptious now I don’t agree with everything that @No5ChalksRoad says - however I’m a little baffled by your assumption that anyone receiving benefits is paying their fair share of taxes , plenty are paying absolutely zilch and have for many years, simply taken from the system . Now that indeed ‘is’ the system, so it’s not illegal as you say, but the assumption that all are contributing in taxes and NI is way off the mark - a great many are not and if they have lots of kids are purely taking significant amounts out of public money

Is Income tax the only tax you know about?

taxguru · 28/10/2025 15:43

Differentforgirls · 28/10/2025 14:37

Is Income tax the only tax you know about?

But for someone living on benefits, the small proportion they pay in indirect taxes such as VAT etc will still be many times smaller than the amount of taxpayer funded benefits they receive. So they'll still be a significant net recipient.

nearlylovemyusername · 28/10/2025 16:19

taxguru · 28/10/2025 15:43

But for someone living on benefits, the small proportion they pay in indirect taxes such as VAT etc will still be many times smaller than the amount of taxpayer funded benefits they receive. So they'll still be a significant net recipient.

It's much more than this - kids born in unemployed families on benefits are nearly certain to end up the same. It's very naïve to believe that these kids with help of welfare be the "other people’s children to look after you". They will not - they will keep on sponging from our kids the same way as their parents are sponging from us. Rinse and repeat

Crikeyalmighty · 28/10/2025 16:38

@Differentforgirls given that I have a business certainly not - corp tax, VAT, employers and employee NI - I’m very familiar with all of them - maybe you could enlighten us with what direct taxation people not working and in receipt of benefits are paying apart from VAT which is also net able off to businesses receiving it against what they pay out . I fully realise life needs a security net and that some have an ability to contribute more than others, and others struggle to work at all due to physical disabilities, but some perfectly fit and healthy people are happy to be lifelong takers and just get by leaving everyone else to pay .the point of the thread though was about having children that you can’t afford - not that you could never afford them easily , that’s a different situation, it’s about knowing from the off that you will likely always just take from the system and see nothing wrong with that and not make any effort to earn cash off your own back .

Crikeyalmighty · 28/10/2025 16:38

@Differentforgirls given that I have a business certainly not - corp tax, VAT, employers and employee NI - I’m very familiar with all of them - maybe you could enlighten us with what direct taxation people not working and in receipt of benefits are paying apart from VAT which is also net able off to businesses receiving it against what they pay out . I fully realise life needs a security net and that some have an ability to contribute more than others, and others struggle to work at all due to physical disabilities, but some perfectly fit and healthy people are happy to be lifelong takers and just get by leaving everyone else to pay .the point of the thread though was about having children that you can’t afford - not that you could never afford them easily , that’s a different situation, it’s about knowing from the off that you will likely always just take from the system and see nothing wrong with that and not make any effort to earn cash off your own back .

Crikeyalmighty · 28/10/2025 16:38

@Differentforgirls given that I have a business certainly not - corp tax, VAT, employers and employee NI - I’m very familiar with all of them - maybe you could enlighten us with what direct taxation people not working and in receipt of benefits are paying apart from VAT which is also net able off to businesses receiving it against what they pay out . I fully realise life needs a security net and that some have an ability to contribute more than others, and others struggle to work at all due to physical disabilities, but some perfectly fit and healthy people are happy to be lifelong takers and just get by leaving everyone else to pay .the point of the thread though was about having children that you can’t afford - not that you could never afford them easily , that’s a different situation, it’s about knowing from the off that you will likely always just take from the system and see nothing wrong with that and not make any effort to earn cash off your own back .

Differentforgirls · 28/10/2025 18:53

Crikeyalmighty · 28/10/2025 16:38

@Differentforgirls given that I have a business certainly not - corp tax, VAT, employers and employee NI - I’m very familiar with all of them - maybe you could enlighten us with what direct taxation people not working and in receipt of benefits are paying apart from VAT which is also net able off to businesses receiving it against what they pay out . I fully realise life needs a security net and that some have an ability to contribute more than others, and others struggle to work at all due to physical disabilities, but some perfectly fit and healthy people are happy to be lifelong takers and just get by leaving everyone else to pay .the point of the thread though was about having children that you can’t afford - not that you could never afford them easily , that’s a different situation, it’s about knowing from the off that you will likely always just take from the system and see nothing wrong with that and not make any effort to earn cash off your own back .

Anyone working and claiming UC will be above the threshold so paying tax and NI, vat and council tax.

Differentforgirls · 28/10/2025 18:55

Differentforgirls · 28/10/2025 18:53

Anyone working and claiming UC will be above the threshold so paying tax and NI, vat and council tax.

Plus, I see free nursery hours as a benefit tbh.