The 'cant afford a baby' generation?

barnaby-bear

Maisie11 wrote: »

Definitely dont agree that you can bring up a family in a 1 bed flat! ......but we cannot make sweeping generalisations about it being alright to live in a 1 bed flat with a baby using real nappies. Where on earth would you dry them bearing in mind you wouldnt have a garden.

I was thinking the small baby would be more tolerable though than when it grew up to be a 6ft sulky teenage lad desperate for his own room to sullen.... decent contraception - sharing one room with your kid is liekly to decrease the chances of siblings....

galvanizersbaby

lynzpower wrote: »

But the issue is if you dont have these things in the first place ( we have no mortgage, no car, we can easily forego the 2k pcm on holidays and stop buying everyone presents etc. I still struggle to see where I can cut back 25k pa.

2K pcm on holidays amounts to 24K per annum?! - or am I getting this all ar*e about face again!

TotallyBroke

Maisie11 wrote: »

Definitely dont agree that you can bring up a family in a 1 bed flat! It is not fair on the parents or the child.

You can bring a baby into a 1 bedroom flat. Recomendations suggest that a baby sleeps in your room for at least the first 6 months of it's life. Whether you choose to stay in that situation or not is your own choice when your child grows and becomes a teenager. An option would be to work, better yourselves through training or career change. And then move into a bigger home of two bedrooms or more.

Maisie11 wrote: »

And I also dont agree that a state education is as good as a private one. Some state schools are fab, some are failing dens of crime and there are the 'average ones inbetween. I dont want a average school for my children. I want one that will bring out the very best in the boys and give them opportunites and chances to take part in sport, music etc and if by chance they need some help I do not want them in a large class where they cannot be heard. Really really dont want to go down the private/state debate

Neither do I want to go down that route. What I was trying to point out is that you choose to want a private education for your children. It's not something that you have to have because you have children. They can get a good education that costs you nothing personally from a state school.

Maisie11 wrote: »

but we cannot make sweeping generalisations about it being alright to live in a 1 bed flat with a baby using real nappies. Where on earth would you dry them bearing in mind you wouldnt have a garden.

The same place that people in tower blocks have dried their washing for lots of years. Over airers in bathrooms or by making clothes lines out of the window by using a wooden handled broom to hold them upright. I do not have a garden myself. I do have the luxury of being able to afford a tumble drier if I did not I would still be washing and drying my clothes by using a clothes horse.

lynzpower

galvanizersbaby wrote: »

2K pcm on holidays amounts to 24K per annum?! - or am I getting this all ar*e about face again!

haha no! My fault again PA! Not PM lol, must be catching

barnaby-bear

lynzpower wrote: »

But the issue is if you dont have these things in the first place ( we have no mortgage, no car, we can easily forego the 2k pcm on holidays and stop buying everyone presents etc. I still struggle to see where I can cut back 25k pa.

You also forgot to mention - you aren't allowed to stay in your accommodation if you have a child :rolleyes: .... I lived in a town with a housing shortage - in 10 years I never had an AST that allowed kids (or pets), it had become standard as LLs don't want the hassle of people trying to get council housing by staying put or the liability of a single income household or sticky paw prints in their property.... not to mention with an AST you only have 2 months security a lot of the time (12 months max) and when you move you need to prove 30xmonthly rent is less than salary to be able to rent anywhere.

RoxieW

Hi lynzpower - if you have no mortgage and no car but both work full time then surely you have a large surplus income that could be saved??

barnaby-bear

TotallyBroke wrote: »

An option would be to work, better yourselves through training or career change. And then move into a bigger home of two bedrooms or more.

To buy somewhere two bed around here you need a 40-50k deposit and a joint salary of 80k+, the people in one bed flats are the ones who are working full time and have qualifications and skilled jobs..... lower down the ladder couples live in a room in shared houses....

lynzpower

barnaby-bear wrote: »

You also forgot to mention - you aren't allowed to stay in your accommodation if you have a child :rolleyes: .... I lived in a town with a housing shortage - in 10 years I never had an AST that allowed kids (or pets), it had become standard as LLs don't want the hassle of people trying to get council housing by staying put or the liability of a single income household or sticky paw prints in their property.... not to mention with an AST you only have 2 months security a lot of the time (12 months max) and when you move you need to prove 30xmonthly rent is less than salary to be able to rent anywhere.

Exactly!

2300 pcm at the mo turns into
325 for our bills and some fees for the tied accom. The rest is saved, food, the usual expenses.

So in order for us to move:
2300 -
1000 for the flat hopefully inc coucil tax
990 if we assume 45 quid per day childcare on a 22 day working month that someone else had already posted.
this would leave us a grand total of 310 for clothes, savings, food , OHs transport to get to work ( tube pass about 130 pcm- it would obviously be more if we moved further out) electric, gas, tv license, insurances, the odd gift, haircuts, prescriptions, OHs glasses, internet, phone line, and OHs mobile -(i could easiy get rid of mine already considering it).

If someone can tell me this is doable without claiming benefits, then we'll start trying tonight :A

lynzpower

RoxieW wrote: »

Hi lynzpower - if you have no mortgage and no car but both work full time then surely you have a large surplus income that could be saved??

We are saving at the moment, mainly for holidays and also towards a mortgage deposit. There was more than there is now, as we have a nuber of investments within the stock market that have halved in value ( what was 7k is now 4 ish)

barnaby-bear

lynzpower wrote: »

Exactly!

2300 pcm at the mo turns into
325 for our bills and some fees for the tied accom. The rest is saved, food, the usual expenses.

So in order for us to move:
2300 -
1000 for the flat hopefully inc coucil tax
990 if we assume 45 quid per day childcare on a 22 day working month that someone else had already posted.
this would leave us a grand total of 310 for clothes, savings, food , OHs transport to get to work ( tube pass about 130 pcm- it would obviously be more if we moved further out) electric, gas, tv license, insurances, the odd gift, haircuts, prescriptions, OHs glasses, internet, phone line, and OHs mobile -(i could easiy get rid of mine already considering it).

If someone can tell me this is doable without claiming benefits, then we'll start trying tonight :A

But the LL of the theoretical flat doesn't allow kids so you'd get notice served....