Babies & Mortgage??

albionsarah

I would say start trying to conceive now! As others have said, you might not fall pregnant straight away and even when you do, you still have 9 months to get organised. I put off having kids until I was almost thirty, and now wish I'd done it much sooner.

In terms of baby costs, childcare aside, we found that almost everything else can be begged, borrowed or bought second hand anyway.

Good luck!

FBaby

The issue in these circumstances though is whether you could still afford the mortgage after going down to one salary or if remaining at work with childcare costs. Its amassing how much poorer you become after a baby! Saying that I agree that delaying conceiving is a risk.

lazywife

If you were going to be in a situation that you can overpay in 6 months, then the 9 months it takes to grow a baby sounds like it will give you enough time. I would probably leave it 3 months, get in, see if there are any unexpected big house costs. Then start trying for baby. Quickest would be mat leave starts 12 months after moving in, could take alot longer.
L.xxx

SmlSave

Hi Save me, I'd say start trying now and start saving as much as you can.

After having DS there is not much extra cash to go around but we can afford everything we need. Our outgoings can be covered by OH alone and my wage allows us to do some DIY to our new house.

Work out your basic outgoings and see how much you would have to earn to survive.

Babies cost as much as you want them to. We've found that our reduction in alcohol spend covers what extra we spend on DS.

A good thing to try is only 'paying' yourself maternity wage and save the extra, then you will have an idea on how you could cope.

notanewuser

We bought our "forever house"5 years before having DD. She was conceived very quickly and arrived 2 days before my 33rd birthday. She's now 2 and 3/4ths and a very easy, but full on, child.

We did very little to the house before she came, and now I find myself with major stuff needing doing (carpets changing/new kitchen etc) with a little one around. Could have planned that better really (had I known then what I know now)!!

So on one hand I'd advise not waiting too long before trying for a child due to your age, but on the other I'd say sort your new house out (in anticipation of little ones).

That might not be helpful!!

alias*alibi

notanewuser wrote: »

She was conceived very quickly and arrived 2 days before my 33rd birthday.

Snap! My DD made her entrance on 23rd March, my 33rd was on. 26th March.. but no forever house bought; just lots of decisions to be made when I found out I was PG as my life was up in the air at the time.

loulou123

Me and hubby live in a tiny 1 bedroom flat with several pets too, but began trying for a baby approx 2.5 years ago. Although we would need to move somewhere bigger eventually at the time we figured if I got pregnant straight away we would be able to manage in such a small flat for a while anyway.

Unfortunately I still haven't got pregnant and we are still in a small flat!

If you could cope if you were to get pregnant quickly I say go for it now, as you never know how long it'll take to get pregnant. But if you really couldn't manage if you became pregnant straight away (wouldn't be able to pay the mortgage and buy food etc) then I say wait.

continualdiamond

After living in our 2 bedroom flat for 6 years middle of last year we decided to get it valued as we wanted a house and then start trying for a baby.

The flat got valued at less than what we paid for it, so did we suddenly decide to wait and wait and wait and wait to see if the flat increased in price.....nope.

I was 30 at the time, hubby 29 and we just decided that we could wait far too long for this flat to make us money and then miss our chance to have a family.

I fell pregnant within 2 mths, found out just a few weeks before my 31st bday. However just before the exciting news of finding out I was pregnant hubby got told his section of the company were being made redundant in a months time.

Our baby is due on the 23rd September and hubby has only been in his new job for 1 week and I start my maternity leave on the 5th September. So we've not been able to put any money away from my wage in order for when I'm on maternity pay.

However we haven't used any credit for anything we've bought for baby, we've just found a way to do it. If anything its taught us that if we found a way to survive and keep a roof over our heads with hubby out of work and just getting job seekers allowance then we'll find a way when I'm on on maternity pay as maternity pay is more than job seekers allowance.

Can't regret out decision as I never knew if I could have children as got diagnosed at 18 with pcos, so feel very very lucky to be having a baby.