There is never a time in life when money is not a problem if you are on a low income. This is only amplified when you start having children.
There are many people that believe one should only start having children when you are financially able to. Now that is great but is this time of low wage pay and high cost of living when are you actual able to pay for a child?
Lets look at the way people live and see if it is conducive to have a child. So the average person in the UK on a basic wage working full time (37.5 hours) will get £1161 a month, this will normally lets say be to incomes so now we have a total of .£2322. Now most people will try to own their own home before having children so lets say their mortgage payments of around £450 a month so your left with £1872. Now your utilities (gas, water electric) are gunna be around £120. Then your internet and T.V. package £30, then phone contracts most being around £35 so for both that £70. Then your car. Now more and more people have cars on fiance as its just a better way to have a car. so that £135 a month. then food. Now I know two people don’t spend what I do as my sister and her husband are very good with money. so that £40 a week. A large portion of UK under 30’s have credit debt, so we shall say another £40 on credit debt, this can be cards, store cards, any sort of overdue account. No that leave the average couple with a lot of floating around cash. £1374 a month. That’s just basics tho. So that’s not those one off payments of car insurance, home insurance for that house you bought, travel costs, clothes even. That is just your average person getting by on basics. Counter those in and you get a lot less. But lets go with the above figure. So now the average childcare cost for a child under two is £700 a month. Now you have £647. Now your shopping goes up by another £20 a week, because of baby milk and nappies. Ok So we have just of £500 a month. So this needs to pay for you both to travel around £25 a week so now we are down to £300 a month. Now your car needs and MOT or tax or the baby needs clothes or you need clothes or you want to go on holiday. In real life people are not left with any. This little payments creep up and before you know it you have no money left.
So now you are waiting, waiting till you become the big time earner. Now this doesn’t happen everyday, not everyone can be the big one. Someone has to take the poorly paid jobs. So if we can now except that there is also no perfect time or age in your life then we ought to be able to except that not everyone can be a huge earner. That’s where we get a problem because there is a lot to be said for those earning a lot, they also tend to be at work a lot. Now this means they often end up being the ones that only have one child. Now with this growing world one is probably enough.
That’s a happy thought but in the 230 babies die from SIDS (Suden Infant Death Syndrome) every year. Not all parents can go on to have more . There are also those that are infertile and cant have children, so its just fees able that in your whole life time one child would be enough. We need children for lots of things, for one they keep a lot of jobs open, they also grow up to take a lot of those low earning jobs so that we can move up the chain, so children are needed.
So in the UK 4 million people around 30% are living in poverty . Now this is less for those with out children, this is around 22%. Now that’s 52% of the UK living in poverty. So if we are to keep to a notion that you shouldn’t have kids till you can pay, I have a feeling that we may end up with a lot less people. So even less money for those vital resources that we live for in the UK (NHS, Fire, Police, Elderly care, School). We shouldn’t keep waiting for things to be right, that being said I know that money is always a contentious issue, for anyone of any age, and just because your children get older does not mean your money is safer. My poor mother regularly bails me out.
The main reason I want to talk about money, is because of the pretense we set our families with. Now one must never be seen to be struggling. One must never be seen to be asking for help and for this reason many parents put themselves into alot of debut. So this brings me to the real reason I want to talk about money. Why are we making parents life’s hard by making them feel their children have to be ‘involved’. They have to go to this class and that. They must attend this trip and that, because if you don’t pay and they don’t go everyone will know they are poor. This violates a very strict rule of never letting it show. I would, on behalf of all the bigger families who don’t earn enough, no matter how much we work (before I went on maternity i was doing 45 hour weeks to save up money), please stop making my child feel that I am the worst person ever because I don’t have Scrooge McDucks bank account.
Life is hard enough bring children into this world without me having to make it more ‘fulfilled’. When I was a child I never went to dance, or horse ridding. I never went to so fancy drama group or singing class. I never had expensive music lesson for some exotic instrument, we had cheep discounted one thought to us by the music teacher. I went to things like ST Johns, I paid £1 a week and learnt some great first aid and got to play games with my friends. When I moved in with my dad I used to go to a local youth club with one of my best friends, it was 50p, so i got another 50p for sweets. Now I’m spending £12 a week for my eldest two to swim, my daughter does dance and my son did do football (my bank account is very happy that he didn’t like it for long, he wants to do Rugby, he can’t till he is seven).
Please someone tell me that all these people born in the 70’s who’s only real entertainment was playing outside and going to the school disco as so poor in charector? Tell me that they feel their childhood was not for-filling enough? I’m telling you now what you will be told. This is a load of crap. Yet we still think that pushing Little Johny to play the Cello will make him super smart and therefore he will go on to be a billionaire. The only thing that child is learning is that he hates you for pushing him to do something that he doesn’t want to do and he would rather be outside playing in the street with his friends. Mud, grass and sand are free. Use them, these things will actually enrich your child’s life. Learning how to massage your baby is only draining your bank and will not help when you have three year old having a tantrum in the middle of ASDA because you wont buy him that new superhero toy.
Money does not make a childhood, memories do. Taking them to the beach, taking them to the park does. Letting them ride their bike really fast down the road having a race with their friends, that what they will remember. The fun stuff. The free stuff. Some of my best memories as a child are of playing with my Dad in the field. Just play catch. Riding bikes along the canal. Why are we making their lives so busy? I don’t like being that stressed about getting them here and there. Getting this costume and that, so why should they? Have a limit. Let them pick the activity, find ones with free taster sessions or ones that let you pay weekly so that you can just stop when the fun stops.
www.dayoutwiththekids.co.uk/
www.nhs.uk/Livewell
Try some of these for tips. There is loads to do out there for free. Stop wasting money that is not needed. And most of all stop making me feel like I have to spend all of my money on them! They enjoy the simple things far more than those that I would have to spend a lot of money on. I love my children and I will always put their needs above mine (haven’t had a hair cut in 6 months). Their enjoyment and excitement towards live is what I live for. I love seeing there faces light up when we go to the beach. The hours of fun that they have at the park, especially if we take a picnic. We are lucky we also live near the beach and the wood, We also have a local water park (doesn’t have flumes or anything but it has a splash zone and a park). They love it. All of it ( I’m the one that’s not keen on sand and the mud on their clothes but hey).
What I’m trying to say is yes money is important, we have seen the stuff one has to pay for but just remember it does not make the child. My mother was extremely poor when I was a child. I never remember feeling it. My dad worked two jobs when I lived with him, but it was some of the best years of my life. Don’t feel the pressure people put on you to have the most expensive and to always buy new. Some things are better second hand as they are cheep and not used that often.
You onlt get one chance with your child. Don’t spend it in work. Live. Live with them. No matter your age or bank account size.