I used to think of myself as an extremely decisive person. Then I starting vascillating (sometimes several times a day) on the question of whether to have another DC or not. DD is currently 3.6. She would probably be perfectly happy on her own as she has lots of friends and loves spending time with her parents. She also has lovely cousins. The pros of having another would be a sibling for her, less pressure on her to do well academically, and 'insurance' against the hideous things that life sometimes throws at us e.g. death of a parent or both parents. I think it would be awful if she were alone in the world, and hard for her to deal with grieving parent if one of us died. Also selfishly worry about how we will spend Christmas when we are old if she has to visit her in-laws! But in reality as she will be 5 or 6 (or even 7) by the time a sibling came along (because I am obsessed with building up at least 30-40k in savings before then) the benefits wouldn't necessarily be obvious until they were both grown up. It would be a bit more like two only children.
The cons of having another - we could afford two and pay school fees (this is non-negotiable for various reasons), but a) we would have to really cut down on holidays, meals out, trips out, luxuries and b) I would probably worry a lot about money. And I also have very busy job, as does DH. And we would have to save less. Currently save 1070 a month. Might be able to manage 400-500 if we had another (and cut back on other things). I would be quite unhappy with idea of not saving. I find the thought of pensions and old age slightly terrifying.
So, to cut a long thread short, am I insane for agonising over this decision or do others do the same? And what do you think I am more likely to regret long term? Bear in mind I am not especially maternal and tend to be ruled by heart not head. And finally, is there genuine benefit to sibling when age gap is 5 years minimum.
Aaaagh...maybe I should just get very drunk and forget contraception. I think I would be happy (maybe even ecstatic) if we had another. But I would also worry a lot. If we stick to 1, I might be really relaxed about money (and embrace the fun we could have) but would probably still be asking this question for the next 7 years...
Help!