Is money so very important?

[tinaw20]

My dh and I have decided we want to start trying for a baby but our financial situation is a constant cause for concern! Everybody tells me (dh included) that you make it work regardless and material things aren't important, which I do agree with, and we are fortunate enough to have family members where we can get almost everything we need handed down!! I am the main breadwinner though and I just couldn't afford to stay off past 4 months after baby being born. It also worries me that we have no nest egg or any savings put aside in case of emergencies - we have two mortgages!! Has anyone been in a similar situation and made it work so that I can worry less and sleep at night?!

Kids can costs as much or as little as you want them to. It's totally down to you.

Comparatively, I think puppies are more expensive than children.

However, childcare IS expensive. I wouldn't suggest that should stop anyone cracking on, but you need to be prepared.

If you get pregnant quickly you have at least 9 months to save a bit. Start now, regardless. Even if its £10 pcm, you'll have at least £90 by the time the baby is born. It won't pay the mortgage but it will buy a supermarket shop or two.

If you want children my advice is always to start trying. You have no idea how long it will take and if it happens quickly then you will make it work. I don't know anyone who regretshaving children at any stage of their life.

Why have you got 2 mortgages?

We couldn't sell our old house so we're having to lease it out! I have 2 dogs and 2 cats already so am well aware of the cost of pets, I just always assumed kids would be more! I've also given my husband a wee incentive that as soon as we start trying he needs to look for a better paid job which may be difficult but he works split shifts at the moment which aren't ideal for the future!

Money is always a worry but I have found you tend to live to your means and adapt when necessary. Suzietwo is right though, its the childcare that is the nightmare. Depending on earnings you can get help towards child care costs but I found I was working for virtually nothing. At the end of the day you have to do what feels right for you and not worry about anyone else! xx