How can i get through to my husband that we can not afford another child at this time.?

Blessed to have two daughters ages 4 and 1. We both want to have a third child and try for a boy. The only problem is my husband wants to start trying now and I feel we should wait a year or two due to finances.

We are currently paying about $13,500/yr for daycare expenses for the two girls. I have already

Blessed to have two daughters ages 4 and 1. We both want to have a third child and try for a boy. The only problem is my husband wants to start trying now and I feel we should wait a year or two due to finances.

We are currently paying about $13,500/yr for daycare expenses for the two girls. I have already asked for an estimate for another child added and that will bring it to $21,800/yr for the "three" children. We both also have small sedans so we would need to get an suv or minivan to hold all the kids, which would be an added expense. I have told my husband about this but he is still wants to start trying now. Its not the housing, clothing, diapering expenses that I worry about, i coupon and budget well so from having one child changed to two the only thing that went up was the daycare cost. Which is what is scaring me now from having another child. Plus the increase cost of a new car payment.

How can I get through to my husband that its better to wait a bit will we make a little more money to afford these costs.

Best Answer:

quileter: Maybe change the discussion a little bit, and tell him you'd like to table it for a year, but over the next year work really hard on your budgeting so you can try to put enough money aside to the extra expense. Maybe decide how much money you'd need for the first year of a new baby's life, and work on saving that over the next year. If you hit your goal by the end of 2017, then you can start trying for a third child in 2018. After that you'd have a minimum of 9 more months to save up even more.

Other answer:

quileter:
You're in a tough situation with all those expenses and I'm surprised your husband can't see this. I think what you need to do is break it down in writing how much more another child will cost you guys. You have already factored in daycare, so you need to factor in the cost of another vehicle, car payments, insurance (if it goes higher) etc.

He needs to realize that going into debt is not a good thing and the additional strain on finances will not be something that you two will enjoy having.

I'm not sure how old you guys are, but if you're still relatively young you can wait a while before having another child. And what if your third is a girl? Will he want to try for a fourth?

monika J:
In my opinion there should be spacing of at least three years, Since your youngest child is 1 it will not be wise to plan another child now. You should convince your husband. You both should go to doctor take the advise no doctor will recommend for another child now.
swbarnes2:
You can't reason him out of a position he did not get to by reason.
Emily J:
Just tell him you are not ready and leave it at that, the oldest should be started pre-school and then kindergarten soon, so it should only be a year or two.

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