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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
Zavettimexico · 25/10/2025 13:07

No5ChalksRoad · 25/10/2025 12:59

Well, a working person is paying taxes to help support society and keeping their skills and involvement as a productive part of the economy.

Also, there’s more to “affording” children than childcare costs.

As a woman who spent from age 17 to menopause making sure I didn’t accidentally “fall” pregnant, I have zero respect for those careless enough to produce children into disadvantaged circumstances. There’s no excuse.

What if someone has a child at 16 when they’re too young and ignorant to realise the dole comes from other people’s taxes but they raise their child well and is an otherwise normal law abiding person? Would you still dislike someone like this?

Unrulyscrumptious · 25/10/2025 13:07

twistyizzy · 25/10/2025 13:04

Except I didn't say that. I said people should limit the number they have to what they can afford.

Let me turn it back to you. Are you saying that society can afford to just keep paying to fund the DC that parents who can't afford them continue to have? That working parents who choose to limit their DC due to affordability should continue to pay for parents who have never worked?

It sounds like you're unhappy with your lifestyle and are suggesting that others should be as unhappy. You're just as welcome to have more children and claim benefits if you needed to. You sound quite angry that you've "chosen" to limit your family size but you don't really feel it's a choice, hence you're talking quite glibly about taking choice off of others. Society absolutely can afford to ensure every child is fed and clothed and educated, it's about whether we value spending our money on that.

TheNinkyNonkyIsATardis · 25/10/2025 13:08

YouMightLikeCats · 25/10/2025 11:09

No-one knows for sure what they will be able to afford in the coming years. You could lose a spouse, your health, your job.

You have to be extremely well-off to know up-front that you have the money to cover all of this.

True, but you should probably be able to budget for one of these things happening.

And tbh, you see some complaints coming from parents of 4+ kids about being stretched too thin with time and money and think, wtf did you expect?

We can luxuriously afford 2. Reasonably afford 3. I'd consider it a risk and a detrimental effect on any others to have 4.

No5ChalksRoad · 25/10/2025 13:09

Zavettimexico · 25/10/2025 13:07

What if someone has a child at 16 when they’re too young and ignorant to realise the dole comes from other people’s taxes but they raise their child well and is an otherwise normal law abiding person? Would you still dislike someone like this?

Yes.

Unrulyscrumptious · 25/10/2025 13:10

No5ChalksRoad · 25/10/2025 13:09

Yes.

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?

Whaleandsnail6 · 25/10/2025 13:11

YouMightLikeCats · 25/10/2025 13:03

Why would you take a morning-after pill if you were on contraception? You can't tell if it's failed (in many cases) until weeks or months later.

What are you suggesting would trigger use of the MAP?

I do think individuals, both male and female can take more responsibility for contraception than they do if they are in circumstances where a baby/another baby would be catastrophic for them.

I would never say enforced termination but I do think if you use two forms of contraception together eg hormonal and condoms it is very unlikely to have an unwanted pregnancy. This is what we have done except for when actually trying for baby as I'm so paranoid about unwanted pregnancy.

If a baby would be such a hardship for a family, then I think just accepting that your choice of one type of contraception has worked (none of which are 100% accurate) , until you show symptoms of pregnancy is a bit irresponsible.

As I said above, I'd never suggest people be forced to terminate but I think many people can do more to actually prevent the unwanted pregnancy

twistyizzy · 25/10/2025 13:11

Unrulyscrumptious · 25/10/2025 13:02

I asked if you've terminated a pregnancy you wanted to remain at one child because that's all you can afford and you said no you use contraception so I asked :
Ok but surely you know women who have had contraception fail? I mean, you're on MN, people regularly are in a situation of unintended pregnancy - what are your proposing they do if they fall pregnant with a child they can't afford?

So I'll ask a third time, what is a woman supposed to do with an unintended pregnancy she can't afford? Are you saying she should or has a duty to terminate ?

I think that woman needs targeted support to help her earn enough to pay for the unwanted child and educating on contraception to ensure further mistakes don't happen.

I don't believe that it's the responsibility of the taxpayer to keep paying for mistakes. That's why the 2 child cap shouldn't be lifted.

I would personally terminate if it was me yes, I wouldn't ever want to force other women to so stop trying to trap me in the narrative you want me in.

Let me ask you niw: do you think as a society we can keep paying for people who aren't contributers to keep having DC paid for by people who are contributers? That working parents are paying to bring up DC of non-working parents? How long do you think we can afford to keep doing that?

Jellybunny56 · 25/10/2025 13:12

Another one of those threads that just shouldn’t be controversial. If you cannot afford the basics a child needs- food, shelter, clothes etc, then no you should not have one. No child deserves to be raised to struggle like that and no decent parent should want to bring a child into the world to watch them struggle- very different if circumstances change once those kids are here, I am specifically talking about those who choose to have a child knowing this is the position they are in.

I am a parent and I can’t imagine many things worse than having to watch my children go hungry, force their feet into shoes that don’t fit or bodies into clothes that don’t really fit, have to say no every time they ask for anything etc. That really shouldn’t be controversial.

Locutus2000 · 25/10/2025 13:12

Nothing else to add OP?

twistyizzy · 25/10/2025 13:12

Jellybunny56 · 25/10/2025 13:12

Another one of those threads that just shouldn’t be controversial. If you cannot afford the basics a child needs- food, shelter, clothes etc, then no you should not have one. No child deserves to be raised to struggle like that and no decent parent should want to bring a child into the world to watch them struggle- very different if circumstances change once those kids are here, I am specifically talking about those who choose to have a child knowing this is the position they are in.

I am a parent and I can’t imagine many things worse than having to watch my children go hungry, force their feet into shoes that don’t fit or bodies into clothes that don’t really fit, have to say no every time they ask for anything etc. That really shouldn’t be controversial.

Seemingly it is

Zavettimexico · 25/10/2025 13:13

No5ChalksRoad · 25/10/2025 13:09

Yes.

Fair enough but what is the problem with living like that other than it being a waste of other people’s tax money which I understand the frustration but if someone was too young and ignorant to realise that then can you really hold it against them? Especially if they’re a normal law abiding person other than that?

No5ChalksRoad · 25/10/2025 13:14

Unrulyscrumptious · 25/10/2025 13:07

It sounds like you're unhappy with your lifestyle and are suggesting that others should be as unhappy. You're just as welcome to have more children and claim benefits if you needed to. You sound quite angry that you've "chosen" to limit your family size but you don't really feel it's a choice, hence you're talking quite glibly about taking choice off of others. Society absolutely can afford to ensure every child is fed and clothed and educated, it's about whether we value spending our money on that.

Well, many of os DO NOT.

I’d rather my taxes go to solving climate change, protecting wildlife and the oceans or other causes than indulging the personal “wants” of non-contributing human moochers.

We aren’t unhappy with our lifestyles, we are unhappy with the lifestyles of selfish people who can’t control themselves any better than a stray cat.

twistyizzy · 25/10/2025 13:14

Zavettimexico · 25/10/2025 13:07

What if someone has a child at 16 when they’re too young and ignorant to realise the dole comes from other people’s taxes but they raise their child well and is an otherwise normal law abiding person? Would you still dislike someone like this?

Sex Ed starts very young in schools now. Again, very few excuses.

If they work to pay for that child then no issues at all. As has been said multiple times, it's the parents whose DC are already going without food/clothes/heat etc yet continue to have more DC which are the issue.

Unrulyscrumptious · 25/10/2025 13:15

twistyizzy · 25/10/2025 13:11

I think that woman needs targeted support to help her earn enough to pay for the unwanted child and educating on contraception to ensure further mistakes don't happen.

I don't believe that it's the responsibility of the taxpayer to keep paying for mistakes. That's why the 2 child cap shouldn't be lifted.

I would personally terminate if it was me yes, I wouldn't ever want to force other women to so stop trying to trap me in the narrative you want me in.

Let me ask you niw: do you think as a society we can keep paying for people who aren't contributers to keep having DC paid for by people who are contributers? That working parents are paying to bring up DC of non-working parents? How long do you think we can afford to keep doing that?

I'm gonna edit your question to the people you don't realise you're talking about and see how it sounds:

Let me ask you niw: do you think as a society we can keep paying for disabled people who aren't contributers to keep having DC paid for by people who are contributers? That working parents are paying to bring up DC of non-working disabled parents? How long do you think we can afford to keep doing that?

And my answer is Yes, which I've already stated. You keep skirting around stating that you want women (and men?) to take medication or have medical procedure they don't want, and not have children they want to have, so that the state can choose to spend it's money elsewhere.

I also think you calling living human children mistake sis pretty vile tbh. Thats the unhappiness coming through again.

Ubertomusic · 25/10/2025 13:15

Dragonscaledaisy · 25/10/2025 12:51

Class and wealth aren't related though. These people are middle earners and today, it would be more appropriate to view them as 'modern' working class (as opposed to 'traditional' working class) and for them to align their expectations accordingly.

It doesn't matter much how you call them. On a CoL thread two working parents in full employment with jobs requiring postgraduate degrees were struggling with two kids - no heating all year round and parents going without food. Should have they alined their expectations accordingly? And accordingly to what exactly? Next year will be worse than today, and no one really knows how much worse. So how exactly do you plan in a crashing economy? I'm really interested to know.

YouMightLikeCats · 25/10/2025 13:15

twistyizzy · 25/10/2025 13:05

What usually triggers it?

I don't understand your question. You have stated that if contraception fails the MAP is "easily available" to prevent unintended pregnancies.
It looks like you've realised that's a poor argument, but if not please explain how someone who has ovulated would know to get the MAP?

Figgygal · 25/10/2025 13:15

In my experience the people who say this are usually privileged and lack empathy and perspective.

StrawberrySquash · 25/10/2025 13:16

pinkdelight · 25/10/2025 11:22

I keep seeing people say, “Don’t have kids if you can’t afford them.”

I've only seen this said on threads where someone has already struggled to fund/house/look after their existing DC and gone on to have more then expect solutions like a bigger house with more bedrooms to come from somewhere. People don't tend to say it off the bat from some kind of wild prejudice against poorer people procreating. It's in context and often a quite valid question, though will always be met with the 'what's done is done, can't change anything now' refrain taking no responsibility for choices. That's all it's about really. Who takes responsibility for the DC because they're the ones who'll suffer and it's understandable that people find that frustrating.

I think this is fair.

Also re 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.

There's a big difference between saying that something isn't a good idea and actively policing it with the law. There are loads of things I think people should not do, that I still think should be legal. And in the case of kids you can't support, the state should definitely step up.

Unrulyscrumptious · 25/10/2025 13:17

No5ChalksRoad · 25/10/2025 13:14

Well, many of os DO NOT.

I’d rather my taxes go to solving climate change, protecting wildlife and the oceans or other causes than indulging the personal “wants” of non-contributing human moochers.

We aren’t unhappy with our lifestyles, we are unhappy with the lifestyles of selfish people who can’t control themselves any better than a stray cat.

Please define a non contributing human moocher in a way that isn't totally discriminatory against disabled people.

Zavettimexico · 25/10/2025 13:17

twistyizzy · 25/10/2025 13:14

Sex Ed starts very young in schools now. Again, very few excuses.

If they work to pay for that child then no issues at all. As has been said multiple times, it's the parents whose DC are already going without food/clothes/heat etc yet continue to have more DC which are the issue.

Sex ed does yes but I was never told about taxes and how benefits come from other peoples taxes so can you really hate someone for having one child when they were too young and dumb to realise it bothered anyone else?

I get it if it’s a grown woman with 4+ kids by different men btw

Samanabanana · 25/10/2025 13:17

twistyizzy · 25/10/2025 11:36

IMO the current narrative of "parents shouldn't be out of pocket" etc is highly dangerous because it completely negates parental responsibility for raising, feeding and clothing their own DC.
It's like Labour want people to have DC and then hand them over to the state.

It's insidious.

Children are expensive, time consuming etc and this should be taken into account when having them. I'm not talking about parents being made redundant etc once DC are here because that's what benefits are for. I mean parents who have never contributed to the system yet are happy for stretched working parents to pay for their DC. I honestly believe we should move to a contributions based benefits system (excluding severe disability).

Parents have a responsibility to feed, clothe and parent their DC. If they fail to do that then there should be targeted support in place until they are able to do those things. Just handing out taxpayer funded freebies isn't the way to go but yet here we are with Labour and their supporters wanting more and more state control over parents and parenting.

We then create yet another generation who don't know how to parent properly so rely even more on the state

So just to clarify, because I work and my children went to nursery from a year old, I don't know how to parent? What an odd view to have.

twistyizzy · 25/10/2025 13:18

Unrulyscrumptious · 25/10/2025 13:07

It sounds like you're unhappy with your lifestyle and are suggesting that others should be as unhappy. You're just as welcome to have more children and claim benefits if you needed to. You sound quite angry that you've "chosen" to limit your family size but you don't really feel it's a choice, hence you're talking quite glibly about taking choice off of others. Society absolutely can afford to ensure every child is fed and clothed and educated, it's about whether we value spending our money on that.

Bollocks, you are projecting.

I have a great life thanks.

Society absolutely CAN'T afford it, are you even aware of the national debt + cost of UC etc?? We aren't a wealthy country any more.

PPs said it well "We aren’t unhappy with our lifestyles, we are unhappy with the lifestyles of selfish people who can’t control themselves any better than a stray cat".

"If you cannot afford the basics a child needs- food, shelter, clothes etc, then no you should not have one. No child deserves to be raised to struggle like that and no decent parent should want to bring a child into the world to watch them struggle"

Hons123 · 25/10/2025 13:19

pinkdelight · 25/10/2025 13:05

This was pre-welfare state. Are you advocating we go back to that? Is it the normal childhood you'd want for your kids? I'm sure lots of our grannies grew up in similar circumstances and their grannies grew up in worse ones, but not sure how relevant that is to the current situation or the answer would be to ditch all benefits and mod cons and just let the amazing individuals proliferate.

Sorry, who said a word about 'ditching benefits'?

No5ChalksRoad · 25/10/2025 13:20

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

What should they do? It’s not brain surgery. This is how many of us avoided becoming burdens to society:

Use (properly) two methods of contraception EVERY time. Be aware of their most fertile days and avoid penetrative sex on those days.Use the MAP if the condom slips. And plan to terminate if they “fall” pregnant.

oh, and maybe not fuck every feckless loser who gives them five minutes of attention.

Hortesne · 25/10/2025 13:20

YouMightLikeCats · 25/10/2025 11:09

No-one knows for sure what they will be able to afford in the coming years. You could lose a spouse, your health, your job.

You have to be extremely well-off to know up-front that you have the money to cover all of this.

Exactly. Life costs money and unless you are born with £1 million in the bank for your own personal use there's no guarantee you will be able to afford all parts of it. Most people just do what they can and ride the ups and downs as they come.

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