I think you might have missed the funny part...
(too short - the message, not the poker)
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I think you might have missed the funny part...
Save all the second income/put it into your offset account. Get used to it now rather than when she drops.
Would also make it very hard on Fathers Day with all those people turning up for the barbie and free drinks and all looking like you..That and the whole being sued/thrown into jail thing. Plus having to compete with my offspring for hot chicks. Nah. Totally not worth it.
My thoughts:
1 : Get ahead and stay ahead. The more buffer you have the more peace of mind you will have and if something happens then you have the flexibility to deal with it
2 : Weigh up private vs public birth. We went public and the amount of free stuff like support braces, pre and post natal swimmin/yoga classes etc we got for free was amazing. others we have talked to whom had private births had to pay for for all of that. Consider though that these things would be provided on a hospital by hospital basis so your local hospital may or may not have a great maternity ward :
3 : Too many people buy everything brand new and the most expensive for their child. Does it really matter if the stroller is $1600 or $100? it depends on its quality and use but just because it has a higher price tag doesnt mean the little one isnt going to spew all over it. Ask friends for old baby clothes they dont use, kids grow before they were these things out so why spend $$$$ on them when you can get a whole cupboard full of clothes from friends/family
All in all for us having a child meant the loss of a 2nd income but the family tax benefit A and B is generous enough to cover the costs of out child on a week to week basis (food, nappies, day care etc) and if you dont go overboard with baby monitoring, $5000 cots etc etc then furnishing a baby room isnt that expensive.
I've been doing some thinking on this subject and I'd say you'd probably save money with children in many respects because it forces you to stay at home and not eat out all the time. Plus it's far more economical to cook for 3-4 people rather than just 2.
You obviously don't have kids?
Ocean is a wise man so i imagine he's already thought of this and decided the hundreds of kids bearing gifts on Father's Day can be offset by getting them all to meet at Bunnings on the weekend for the $2 sausage sizzleWould also make it very hard on Fathers Day with all those people turning up for the barbie and free drinks and all looking like you..
...one day as i'd like to have at least one mini-me running around the planet who i can do social engineering experiments on.
I've been doing some thinking on this subject and I'd say you'd probably save money with children in many respects because it forces you to stay at home and not eat out all the time. Plus it's far more economical to cook for 3-4 people rather than just 2.
Remember Tiger mums?
Hiya
My kids ARE my motivation; all 3 of them...
They do not know yet, but when they reach 21, they will each "inherit" an IP ....not fully paid though...they will have to carry that mortgage on themselves at that stage but at least i can "freeze" the current price for them now...
That's what my mum did and that's what i intend to do for my kids......
It's a little like the little baby birds in the nest...the mother bird has to gently shove them out with a nudge....
I hope your son/daughter doesn't look like doraemon!
I have a very similar plan except a bit meanerThey do not know yet, but when they reach 21, they will each "inherit" an IP ....not fully paid though...they will have to carry that mortgage on themselves at that stage but at least i can "freeze" the current price for them now...