Hi Vicki,
I am expecting DC3, we have 2 daughters aged 4 and 3. I work part time when my DP is home to look after the kids and earn next to nothing, my DP works all the hours he can but we make time for our little family. We dont have spare cash, we dont have expensive clothes or a flash car, but I would never not have a child due to financial restraints.
I suppose coming from a family that made do when we were small (am also 30 like you) I dont feel like I missed out because we didn't have the latest toys etc. We struggled for years (not that myself or my brother and sister knew) to get by, but eventually things changed and our parents began earning fairly good money. And I accept that we are going to have to make do for a few years too with our family, because our options are to either stop at 2 and have spare cash to buy a few nice bits, or tighten the belts a bit more and have another wonderful addition.
My mum still says to this day that she regrets not having more kids, and the only reason they stopped at 3 was because money was too tight.
This is only my personal opinion and my experiences of a financially restricting childhood. But as a child I had no idea we didn't have money. We had so much in the way of our parents attention, picnics, activities like painting and craft work, family gatherings and good old Disney movies to watch.
We lost a baby last year, and I remember before we lost her worrying about the financial side of raising another child, but since then Ive realised that none of that matters in the bigger picture. Unless you are on the wealthy side of this life, having a child will always put a financial strain on your family. But none more than the first, IMO. Our second daughter had hardly anything new (the up side to having them so close together I know), and this time around we still have the cot, the pram, clothes, toys, books etc. And even if we didn't, there are so many discount stores and charity shops that sell quality goods at reasonable prices.
Ive been told that the teenage years are the most expensive, and I am hoping that by then I will be back in full time employment and be able to help shoulder the finances with DP.
I wish you luck in your decision, I just wanted to share my thoughts on the reasons why we are going ahead with number 3 xx