Another take on 'affordability'.

Really2

lostinrates wrote: »

I have no idea how much kids are, but I should think expensive: when given as much opportunity as possibl.e As well as food nd nappies,there are educational trips, time spent looking after them not earning, time leting someone else earn looking after them while yu ear to pay them....holidays in school holidays, kids films (lir shudders) toys, sporting endeavors......

social lives vary in cost. £200 month is what...one night a weekend for a month, with say, a couple of club entries or, a theatre trip and a cinema trip or live gig and one very unflash meal out?

But then so many miss out nanny and grandad etc etc. buying clothes, baby sitting etc.

I dare say on a low wage as a percentage they are expensive. But they are a lot cheaper to keep than most make out on here TBH.

Graham_Devon

Really2 wrote: »

What so if you have 3 children it cost you nearly £27K per year. Sorry I think that is a bit excessive.

You got to allow for inflation, which the calculation is.

System

carolt wrote: »

Interesting that the person who wrote this and the people who thanked him are all as far as I know childless and planning to remain so.

Before I had had kids I would have agreed with you, Cleaver. But once you have kids your attitude to risk changes; as it should.

As a parent you need to think about the 'what-ifs' - because it's one thing knowing you can downsize/live on beans or benefits/work night shifts if nec, etc - it's quite another to expect your kids to put up with it and come out unscathed.

I don't know if you meant to quote me, but I do intend to have kids, but not for a few years yet. I have 2 cats to keep me going.

Graham_Devon

orangeshoes wrote: »

God, I'm going to sound like a stuck record, but...

£500 a month on just fun spending? £3,000 a year on a car? Nearly a grand on holiday(s) per year? A £150 emergency fund? £220 a month on food? And still enough to save considerably every month?

If people seriously see this as 'living at a lower level than anyone else' then it's becoming to become really clear why people think that houses are so unaffordable. Life does not fall in to your lap, but the figures above show a comfortable, happy life to me. It was pretty much exactly how we lived in my early twenties and life was great. £500 a month to do what you want with is fantastic in my eyes.

It was in response to Sjay. Not cleaver, or the OP. The OP is imaginary anyway.

Emy1501

Really2 wrote: »

What so if you have 3 children it cost you nearly £27K per year. Sorry I think that is a bit excessive.

http://image.guardian.co.uk/sys-files/Guardian/documents/2008/06/17/CostofChild.jpg.pdf

Really2

Graham_Devon wrote: »

You got to allow for inflation, which the calculation is.

So is it £100K in 18 years or £738pm?
If it is £100K in todays money the £450PM stands as you rightly say inflation, that includes wage inflation so it would still be £450 in today's money.

ukcarper

Graham_Devon wrote: »

Yes but a reasonable notebook is not the same as your scientific calculator.

The same analogy would be your scientific calculator vs one of these: http://www.ebuyer.com/product/152093

You are comparing state of the art against general technology. The calculator when you bought your scientific one, I'm guessing, would have been general technology. That's what a run of the mill laptop is now.

But you don’t need a top of the range computer to get through Uni. I expect I could down load a free app for an ipod touch to do what my calculator did. You missed the point I could have carried on using a sliderule you could go to the library

Really2

Emy1501 wrote: »

http://image.guardian.co.uk/sys-files/Guardian/documents/2008/06/17/CostofChild.jpg.pdf

So how is £50K on university and £13K on holiday a childhood cost of an under 18.
Also £10K on baby sitting. Come off it.

Who sends ther children on holiday alone .:rotfl: (so it is not a child cost)

Graham_Devon

ukcarper wrote: »

But you don’t need a top of the range computer to get through Uni. I expect I could down load a free app for an ipod touch to do what my calculator did. You missed the point I could have carried on using a sliderule you could go to the library

Fair enough.

Will just give you uni fee's then.

lostinrates

Really2 wrote: »

So how is £50K on university and £13K on holiday a childhood cost of an under 18.

Who sends ther children on holiday alone .:rotfl: (so it is not a child cost)

quite a few go on holidays with school, not I'd have though £13k worth, but ski holidays, exchanges. I went on a school cruise. Dire.