We can't afford to live together and have children

JPB156 wrote: »

So people should say oh to hell with it, I can afford it today so it will be fine tomorrow?
Isn't that how people get into trouble

No. People are saying do a budget. Find out how much average bills are. Google a tax credit calculator run through some scenarios both working full-time into it.

2 f-time wages plus childcare costs

1 f-time wage

1 f-time wage plus 1 part-time wage.


Ask both of parents hypothetically if you were to have a child are any of them prepared to help out with childcare.

See what the figures say, and then come back and say if it's worked out to be do-able.

You seem to be making a decision without actually knowing what help financial or otherwise you would or wouldn't get.

JPB156 wrote: »

So people should say oh to hell with it, I can afford it today so it will be fine tomorrow?
Isn't that how people get into trouble

You seem to think that there are only two options: only make a decision if you are 100% sure it will work perfectly or go completely crazy with your money and be irresponsible. There is a middle way! You do your research, but accept that life is always a risk. You remind me of a friend of mine who has been in a job she has hated for YEARS. She won't look for a new job because 'what if the company goes bust soon after I start' and 'I won't have any protection for two years' blah blah. Life is a risk.

JPB156 wrote: »

It would be 600 for first 5 years but would quickly double if interest rates return to more normal levels

So you're not expecting to better yourself, at all, over those 5 years? No ambition to get a job with a salary above NMW? Just stick in the same job earning the bear minimum. Is your girlfriend happy with your complete lack of ambition?

I can't say I would ever marry someone who had no intention of doing anything other than stagnate is a low paid job.

OP, I dont really have any advice.

But I will commend you on actually thinking about your finances before deciding to have children. So many people just pop them out then moan when they dont have any money. I wish you both the best of luck for the future.

Aditionally i dont know why you are getting so much stick, you are actually being sensible by basing your future affordability on your current earnings, rather than based on future promotions the other forum members seem to be giving you.

gettingtheresometime wrote: »

There's thinking about it and then there's what the OP seems to be doing.......

Which is.........