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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
Hortesne · 25/10/2025 13:34

sussexman · 25/10/2025 13:25

We are the 6th largest economy in the world. You are mad if you think we are not a wealthy country.

We spend about the same share of national income on working-age benefits as we have done since the 1980s. We seem to have afforded it for all that time.

The public finances are largely a mess because we are living longer and so spending significantly more money on social care and health care, but successive governments have cut rather than widened the tax base to fund the increased commitments.

Yeah, I agree. It's not that we can't afford to support kids. It's that the UK failed to long term plan for the bulge in demand for social care for older people that's hitting us like a sledgehammer now. Which by the way economists were warning about back in the 1980s and 1990s. You know, the decades where we wasted our north sea oil revenue on tax breaks and opened up our property market to credit driven speculative investment diverting an ever higher proportion of household income into housing costs.

MintDog · 25/10/2025 13:35

Finity · 25/10/2025 13:24

I knew how the voting on this thread would go OP, but personally I agree with you. IMO if it needs both parents working full time and their kids in wraparound care in order to be able to have a family at all, something's gone very wrong in this country. Society has completely devalued having a parent at home too which I think is very sad. (BTW before any starts on me, I'm not trying to say we should go back to the woman being at home if she doesn't want to be, I'm saying if one parent wants to stay at home while DC are little it should be seen as a valid choice and supported by society in general.)

I'm not claiming to know the answer, but I do think the UK is currently in an absurd place re all this.

The fact that mum isn't at home with her kids is why discipline has gone to the dogs. Kids need their parents. They don't need fancy holidays and the latest designer gear. They don't need to be in childcare at 7am, school 9-3 and after school til 6. They need their mum and they need their home. Unpopular opinion but there it is. I've had plenty of fancy jobs in my time but nothing beats being a Mum and being there for my children, the children I chose to have.

bugalugs45 · 25/10/2025 13:35

MocktailMe · 25/10/2025 12:10

In-work benefits are better for society. Not only is that person contributing through taxes they are also in work, doing a needed job, having a place in the community, opening their world and that of their child.

I would rather pay more to parents in work through benefits, than less to parents choosing to not be working at all.

If someone doesn't want to work (who is able to), then they need to self fund their lifestyle. It shouldn't be an option to be a SAHM funded by the tax payer.

If someone can work with barriers removed - such as subsidised nursery, then I'd rather we pay for the nursery and gain a worker. It benefits the whole of society and the child.

I was trying to word something but this sums
up my opinion perfectly

twistyizzy · 25/10/2025 13:35

Unrulyscrumptious · 25/10/2025 13:32

I said society can afford it, and it can. Throwing up our current management of taxes etc isn't really relevant because as I already said we aren't aiming to support people and we aren't even aiming to collect the taxes we need, while we allow private untaxed wealth to soar like crazy. But there is absolutely money enough times over to afford it.
You're still making no relationship.world.point- what are we meant to do with these children you insist we "can't afford"? You've thrown out your eugenic ideas about preventing pregnancy in undesirable populations, what do you propose to do with the pregnancies and children that do occur?

Oh so just because a random poster on MN says we can afford it then it must be true.
The fact you say "Throwing up our current management of taxes etc isn't really relevant" shows how little you understand. What do you think funds the looking after of these DC if parents can't? Taxes! Our current economic situation has EVERYTHING to do with what we can/can't afford. Only a deluded muppet (or socialist) would think otherwise.

Where have I spouted eugenics? That's whay you want me to spout but I haven't. You've clearly got an agenda and are intent on twisting everything I say to make it fit that agenda. Talking about personal responsibility is not eugenics.

I've been extremely clear throughout and I'm sorry that you lack the comprehension to understand my posts but that's on you

Unrulyscrumptious · 25/10/2025 13:36

twistyizzy · 25/10/2025 13:30

And I clearly answered that. The fact you can't accept my answer is your problem not mine.

You accuse me of being angry yet you are the one being aggressive, dismissive and angry 🤣

Edited

Well I'm a normal empathetic human being so yeah flippantly talking about eugenics makes me grumpy

Ubertomusic · 25/10/2025 13:37

twistyizzy · 25/10/2025 13:00

You are twisting my words to suit your narrative of eugenics.
I never said anyone should be forced to do anything. I clearly said there is contraception and morning after pill.
You said "should she..?" So I replied "yes she should if she couldn't afford the current DC". I did NOT say anyone should have forced her.

This goes down to personal responsibility or lack of it, not anyone forcing anyone else to do anything.

I'm sure you realise that "should" will be exactly opposite for e.g. religious people.

Spookyspaghetti · 25/10/2025 13:37

The world is an uncertain place. A family could be in the 100k club running a successful business but a crash can come along and wipe that out. Also, AI is about to take out many traditional industries in a similar way that Thatcher took out the miners.

The 100k family who loose it all in a crash or the working/lower middle class family whose offices jobs get automated end up on benefits and those who are in a better off position turn around and say. ‘Why do you have 3 children you can’t afford?’

People can’t live their lives based on the expectations and judgments of strangers they may never meet. Couples will still start families intentionally or accidentally regardless of if there is a welfare state. Just look back through history.

Society has evolved since the days of workhouses and slums. But the internet age has made in easier to get fomo and envy towards the perceived lifestyle of others. So just as there is a stark divide between the haves and have nots there is also a stark divide between those who believe life is about attaining money and influence and those who think life is about creating strong communities.

Unrulyscrumptious · 25/10/2025 13:39

twistyizzy · 25/10/2025 13:35

Oh so just because a random poster on MN says we can afford it then it must be true.
The fact you say "Throwing up our current management of taxes etc isn't really relevant" shows how little you understand. What do you think funds the looking after of these DC if parents can't? Taxes! Our current economic situation has EVERYTHING to do with what we can/can't afford. Only a deluded muppet (or socialist) would think otherwise.

Where have I spouted eugenics? That's whay you want me to spout but I haven't. You've clearly got an agenda and are intent on twisting everything I say to make it fit that agenda. Talking about personal responsibility is not eugenics.

I've been extremely clear throughout and I'm sorry that you lack the comprehension to understand my posts but that's on you

Edited

Err when you start talking about people having their fertility and reproduction restricted because of their economic circumstances you are absolutely going down a eugenics garden path. You don't want to elaborate on any of your "targeted support" to ensure these "mistakes" don't happen so it does sound pretty grim. I do actually hope you get to have your second child one day.

twistyizzy · 25/10/2025 13:39

Unrulyscrumptious · 25/10/2025 13:36

Well I'm a normal empathetic human being so yeah flippantly talking about eugenics makes me grumpy

Ffs I have never flippantly talked about eugenics.
I think you have some serious comprehension issues. No point engaging any further as you are determined to twist me to your agenda.

twistyizzy · 25/10/2025 13:39

Unrulyscrumptious · 25/10/2025 13:39

Err when you start talking about people having their fertility and reproduction restricted because of their economic circumstances you are absolutely going down a eugenics garden path. You don't want to elaborate on any of your "targeted support" to ensure these "mistakes" don't happen so it does sound pretty grim. I do actually hope you get to have your second child one day.

At 47, no thanks!!!
I'm giving my DD a great life and could never afford to do that for a 2nd. Despite what you think, I'm not bitter, being an only isn't an issue as I was an only too, for the same reasons.

Hons123 · 25/10/2025 13:40

Dragonscaledaisy · 25/10/2025 13:01

So how do so many 'middle class' people on this forum have so little disposable income? There are the very average middle.

I think that if we stop lying to ourselves, then we can answer this question. There is no middle class - there is working class and non-working class, working class as the definition goes, are those who work for a living - a plumber, a bus driver, a brain surgeon - they are all working class - take their work away, they won't have income. And then there is a non-working class - those who employ other people and who live off others' labours. The former don't own the means of production, the latter do. Education plays no part, it boils down to the ownership of the means of production (Das Kapital). So, people who kid themselves they are 'middle class' are working class. The ones who are non-working class who own the means of production or equally other income-generating assets, do not post on this forum because they don't know about its existence?

Ubertomusic · 25/10/2025 13:40

Unrulyscrumptious · 25/10/2025 13:03

People will do their best to say this without actually having to say it

But you keep asking uncomfortable questions! 😂

Hortesne · 25/10/2025 13:41

twistyizzy · 25/10/2025 13:39

Ffs I have never flippantly talked about eugenics.
I think you have some serious comprehension issues. No point engaging any further as you are determined to twist me to your agenda.

That's true. Sounds more like you're deadly serious. (And angry.)

Unrulyscrumptious · 25/10/2025 13:42

Spookyspaghetti · 25/10/2025 13:37

The world is an uncertain place. A family could be in the 100k club running a successful business but a crash can come along and wipe that out. Also, AI is about to take out many traditional industries in a similar way that Thatcher took out the miners.

The 100k family who loose it all in a crash or the working/lower middle class family whose offices jobs get automated end up on benefits and those who are in a better off position turn around and say. ‘Why do you have 3 children you can’t afford?’

People can’t live their lives based on the expectations and judgments of strangers they may never meet. Couples will still start families intentionally or accidentally regardless of if there is a welfare state. Just look back through history.

Society has evolved since the days of workhouses and slums. But the internet age has made in easier to get fomo and envy towards the perceived lifestyle of others. So just as there is a stark divide between the haves and have nots there is also a stark divide between those who believe life is about attaining money and influence and those who think life is about creating strong communities.

This. Someone upthread reckoned people can budget for this, but I know of two families where one parent had a sudden and massive health decline and now can't work again and this has completely limited how much the other partner can work while caring for the children. These were both middle class well off families now living a completely different financial reality.

No5ChalksRoad · 25/10/2025 13:42

Spookyspaghetti · 25/10/2025 13:37

The world is an uncertain place. A family could be in the 100k club running a successful business but a crash can come along and wipe that out. Also, AI is about to take out many traditional industries in a similar way that Thatcher took out the miners.

The 100k family who loose it all in a crash or the working/lower middle class family whose offices jobs get automated end up on benefits and those who are in a better off position turn around and say. ‘Why do you have 3 children you can’t afford?’

People can’t live their lives based on the expectations and judgments of strangers they may never meet. Couples will still start families intentionally or accidentally regardless of if there is a welfare state. Just look back through history.

Society has evolved since the days of workhouses and slums. But the internet age has made in easier to get fomo and envy towards the perceived lifestyle of others. So just as there is a stark divide between the haves and have nots there is also a stark divide between those who believe life is about attaining money and influence and those who think life is about creating strong communities.

Sorry but this is nonsense.

economic downturn, disability, illness, divorce, death, job loss and other adversity happen in the course of MOST people’s lifetimes. It’s extremely disingenuous to say these situations can’t be anticipated and prepared for.

planning, saving, insurance, and - gasp! - maybe not indulging our own every whim, are a good start. Always plan for worst-case scenarios and have backup.

Bryonyberries · 25/10/2025 13:42

One problem with putting all children into childcare is that we are creating a very institutionalised generation.

Babies can be doing up to 50 hours a week in a nursery setting. Yes, good childcare isn’t necessarily a problem, they are looked after and they learn, but children are in a very regulated environment with their peers. They aren’t having contact with the adult world or having the freedom to be away from adult eyes. They are kept busy in group activities rather than having time to themselves and independent exploration.

Children in full time childcare from babies become very peer orientated. This can lead to them seeking more approval from them rather than the adults caring for and teaching them. In time this could have an impact on how they decide to care for older generations and learn work skills.

As a society I do think we need to be a little bit wary on the impact this will have in the long term. There are many mothers who would love to be able to stay home and raise their children, especially in the early years. Yes, we should also be able to work, but choices are being taken away from parents to do what is best for their family. Plenty of people aren’t in wonderful careers with high earning potential that they want to keep working for, many mothers are in jobs they hate taking barely anything home after the costs of being at work are taken away (transport, childcare etc).

It would be good if the child’s point of view was considered more. Plenty would rather be home with parents than following the rules and restrictions of group care.

I still think each family should be given a set amount of money per child each term/year which they can use to stay home or put towards childcare depending on what works better for them as a family. Between birth and five years.

Unrulyscrumptious · 25/10/2025 13:45

Ubertomusic · 25/10/2025 13:37

I'm sure you realise that "should" will be exactly opposite for e.g. religious people.

God forbid not another example outside of someone's limited worldview! Presumably these women should shift their entire religious and philosophical beliefs less they be compared to a stray animals for falling pregnant.

Hortesne · 25/10/2025 13:45

No5ChalksRoad · 25/10/2025 13:42

Sorry but this is nonsense.

economic downturn, disability, illness, divorce, death, job loss and other adversity happen in the course of MOST people’s lifetimes. It’s extremely disingenuous to say these situations can’t be anticipated and prepared for.

planning, saving, insurance, and - gasp! - maybe not indulging our own every whim, are a good start. Always plan for worst-case scenarios and have backup.

</laughs in Global Pandemic>

Spookyspaghetti · 25/10/2025 13:45

bugalugs45 · 25/10/2025 13:35

I was trying to word something but this sums
up my opinion perfectly

I was trying to find the original quote but…

It depends on age of the child. Studies show that under 3’s gain no additional benefit from being in childcare but do benefit from being with their primary caregiver.

So even though the popular narrative these days is that SAHP are scroungers, it doesn’t make it true that children benefit from both parents being in full time work at any age.

saqiatf · 25/10/2025 13:46

Spookyspaghetti · 25/10/2025 13:37

The world is an uncertain place. A family could be in the 100k club running a successful business but a crash can come along and wipe that out. Also, AI is about to take out many traditional industries in a similar way that Thatcher took out the miners.

The 100k family who loose it all in a crash or the working/lower middle class family whose offices jobs get automated end up on benefits and those who are in a better off position turn around and say. ‘Why do you have 3 children you can’t afford?’

People can’t live their lives based on the expectations and judgments of strangers they may never meet. Couples will still start families intentionally or accidentally regardless of if there is a welfare state. Just look back through history.

Society has evolved since the days of workhouses and slums. But the internet age has made in easier to get fomo and envy towards the perceived lifestyle of others. So just as there is a stark divide between the haves and have nots there is also a stark divide between those who believe life is about attaining money and influence and those who think life is about creating strong communities.

I completely disagree. The very fact you don’t know what’s around the corner is why you should procreate cautiously. No one has the right to a baby, and when you have 1-2 children already to provide for you should think very carefully about all the things that could go wrong: death, disease, or most likely, divorce. The child itself could be heavily disabled. No one knows what’s around the corner, but we can all be sure it’ll be a damn sight harder with 4 kids than 2, and that the children will be much more impacted the more additional kids there are.

I really struggle with posts on MN that start with “I’m a single mother of 4 and I have x, y, z problem” as if becoming a single mother was statistically unlikely to happen.

Ubertomusic · 25/10/2025 13:46

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.

So predictable. "Brown people with no rights will be happy to wipe my ass while I'll be preaching child free nonsense from my high moral ground".
🤦‍♀️

No5ChalksRoad · 25/10/2025 13:47

Zavettimexico · 25/10/2025 13:34

Exactly. Think that poster has forgotten what it’s like to be young, I’m sure they knew absolutely everything at 15/16. 🙄

I knew enough to understand my fertility cycle and to use two methods of contraception.

a fucking trained chimp could do it. We aren’t asking teenagers to perform brain surgery blindfolded.

Zavettimexico · 25/10/2025 13:47

twistyizzy · 25/10/2025 13:22

Where have I said I hated them or that a teen having 1 DC but then going to work etc to pay for that DC is bad?
You won't find it because I haven't.
I've clearly said that the issue is parents whose DC are already going without yet continue to have DC.

Sorry I scrolled back and see it was @No5ChalksRoad who said that, because obviously when she was 15/16 she knew everything about the world and anyone who didn’t know about taxes back when they were in secondary school she now dislikes

mids2019 · 25/10/2025 13:47

One concern is that some immigrant cultures look at child rearing as a duty to God and large family size is part of their culture.

We as a state shouldn't be deferred as saying this unreasonable as contraception is widely available and misogynist controlling culture should be condemned.

A lot of people in my local city view it's the states responsibility to support their God given family plans

No5ChalksRoad · 25/10/2025 13:49

Ubertomusic · 25/10/2025 13:46

So predictable. "Brown people with no rights will be happy to wipe my ass while I'll be preaching child free nonsense from my high moral ground".
🤦‍♀️

So ignorant.