<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: The Costs of Preparing for Additional Children</title>
	<atom:link href="http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
	<lastBuildDate>Fri, 10 Feb 2012 07:17:51 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
	<item>
		<title>By: busymom</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-2/#comment-824600</link>
		<dc:creator>busymom</dc:creator>
		<pubDate>Sat, 05 Dec 2009 07:08:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-824600</guid>
		<description>@TJ -- Wow! I can&#039;t believe you had twins after a tubal ligation.  I was just thinking of looking into  that procedure, but your experience does give me pause.

We blew a lot of money when our first daughter was born -- my husband was completely against our baby potentially sharing our bed, so we bought an expensive crib (I also sewed all the bedding for it); alas, our child never spent a night in it but it was great for holding laundry that we washed and did not have time to fold.  Our babies slept in our bed and that worked for us, but if you are not sure what you might do, I recommend find the crib you like before the baby is born, but waiting to buy it because a little baby will probably sleep with you or be in a bassinet near you.  You can always get it later if that is what works for you.

Also, if at all possible, breastfeed, breastfeed, breastfeed; you save money on formula, bottles, etc. But also you will save money on doctor&#039;s bills because breastfeed babies are much healthier while there are nursing and the health benefits of breastfeeding continue throughout life.  Breastfeeding also protects and benefits  the mother, too.

I really feel strongly about a parent or family member staying home with the children; it saves money in many ways, one way being that children in daycare are more likely to get ill as they are exposed to a lot more illnesses.  Two books that I found helpful are &quot;Miserly Moms&quot; by Jonni McCoy and &quot;Stay Home Instead&quot; (sorry, don&#039;t have the author to that one).</description>
		<content:encoded><![CDATA[<p>@TJ &#8212; Wow! I can&#8217;t believe you had twins after a tubal ligation.  I was just thinking of looking into  that procedure, but your experience does give me pause.</p>
<p>We blew a lot of money when our first daughter was born &#8212; my husband was completely against our baby potentially sharing our bed, so we bought an expensive crib (I also sewed all the bedding for it); alas, our child never spent a night in it but it was great for holding laundry that we washed and did not have time to fold.  Our babies slept in our bed and that worked for us, but if you are not sure what you might do, I recommend find the crib you like before the baby is born, but waiting to buy it because a little baby will probably sleep with you or be in a bassinet near you.  You can always get it later if that is what works for you.</p>
<p>Also, if at all possible, breastfeed, breastfeed, breastfeed; you save money on formula, bottles, etc. But also you will save money on doctor&#8217;s bills because breastfeed babies are much healthier while there are nursing and the health benefits of breastfeeding continue throughout life.  Breastfeeding also protects and benefits  the mother, too.</p>
<p>I really feel strongly about a parent or family member staying home with the children; it saves money in many ways, one way being that children in daycare are more likely to get ill as they are exposed to a lot more illnesses.  Two books that I found helpful are &#8220;Miserly Moms&#8221; by Jonni McCoy and &#8220;Stay Home Instead&#8221; (sorry, don&#8217;t have the author to that one).</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: TJ</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-2/#comment-824365</link>
		<dc:creator>TJ</dc:creator>
		<pubDate>Fri, 04 Dec 2009 22:12:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-824365</guid>
		<description>After having a HUGE surprise, we had twins 2 years after my tubal ligation, I can add something.  I had given away or sold nearly everything, because we were done, we spent a large amount of money to make sure we were done.  So when we learned we were having twins, I immediately let people know we&#039;d need prayers and to pray for our finances.  Then I let everyone know I was open to all used baby items I had room for.  

I took almost everything people offered, with the exception of highchairs and full size swings, as we have no room for them.  I had not sold the crib or changing table, as the people on craigslist kept offering far too little. We&#039;ve also been gifted with boxes upon boxes of diapers from church family.  I do have some cloth, but at this time, I have not attempted to keep up with both of them in cloth.  As they get older and more predictable, then I&#039;ll likely use cloth on the weekends. 

So while our home is now very cramped, we are a happy family of 6.  We have one tiny portable swing handed down, the boys shared the cradle in the beginning and now share a crib.  85% of their clothes are hand-me-downs, 14.9% are new gifts, and I spent $7 buying pants that would fit them as they were born premature.  I can&#039;t imagine life not having turned out this way, and am thankful we made this work financially.</description>
		<content:encoded><![CDATA[<p>After having a HUGE surprise, we had twins 2 years after my tubal ligation, I can add something.  I had given away or sold nearly everything, because we were done, we spent a large amount of money to make sure we were done.  So when we learned we were having twins, I immediately let people know we&#8217;d need prayers and to pray for our finances.  Then I let everyone know I was open to all used baby items I had room for.  </p>
<p>I took almost everything people offered, with the exception of highchairs and full size swings, as we have no room for them.  I had not sold the crib or changing table, as the people on craigslist kept offering far too little. We&#8217;ve also been gifted with boxes upon boxes of diapers from church family.  I do have some cloth, but at this time, I have not attempted to keep up with both of them in cloth.  As they get older and more predictable, then I&#8217;ll likely use cloth on the weekends. </p>
<p>So while our home is now very cramped, we are a happy family of 6.  We have one tiny portable swing handed down, the boys shared the cradle in the beginning and now share a crib.  85% of their clothes are hand-me-downs, 14.9% are new gifts, and I spent $7 buying pants that would fit them as they were born premature.  I can&#8217;t imagine life not having turned out this way, and am thankful we made this work financially.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: carmen</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-2/#comment-824345</link>
		<dc:creator>carmen</dc:creator>
		<pubDate>Fri, 04 Dec 2009 21:31:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-824345</guid>
		<description>@ Sarah - presumably you have a boy that explains your clothing purchasing strategy?:)

Maybe it&#039;s time to visit family planning too; 4 kids in one 11x11 room would be very cramped (&amp; expensive)? ;)</description>
		<content:encoded><![CDATA[<p>@ Sarah &#8211; presumably you have a boy that explains your clothing purchasing strategy?:)</p>
<p>Maybe it&#8217;s time to visit family planning too; 4 kids in one 11&#215;11 room would be very cramped (&amp; expensive)? ;)</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: sarah</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-2/#comment-824287</link>
		<dc:creator>sarah</dc:creator>
		<pubDate>Fri, 04 Dec 2009 19:45:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-824287</guid>
		<description>To a previous commenter: I never saw the point of child-sized beds either, until we lived in a two bedroom house w/ our three kids. Our children&#039;s bedroom is very small (11x11) so we have 2 toddler beds and 1 crib in there right now, along w/ a shelf for toys and a dresser for clothing. Anything else would not fit. 
Also, regarding clothing: I buy my oldest child (a girl) pants and jackets from the boy department. I buy plain jeans and khakis, and put them w/ girl sweaters, shoes, hair ribbons, etc. People never know the difference. My kids also all wear red or gray hooded sweatshirt jackets. We have one in every size from 6 months to Youth Small, and they just get passed on down the line. Our girls do not look like they are wearing boy jackets.</description>
		<content:encoded><![CDATA[<p>To a previous commenter: I never saw the point of child-sized beds either, until we lived in a two bedroom house w/ our three kids. Our children&#8217;s bedroom is very small (11&#215;11) so we have 2 toddler beds and 1 crib in there right now, along w/ a shelf for toys and a dresser for clothing. Anything else would not fit.<br />
Also, regarding clothing: I buy my oldest child (a girl) pants and jackets from the boy department. I buy plain jeans and khakis, and put them w/ girl sweaters, shoes, hair ribbons, etc. People never know the difference. My kids also all wear red or gray hooded sweatshirt jackets. We have one in every size from 6 months to Youth Small, and they just get passed on down the line. Our girls do not look like they are wearing boy jackets.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Michele</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-2/#comment-823921</link>
		<dc:creator>Michele</dc:creator>
		<pubDate>Fri, 04 Dec 2009 04:23:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823921</guid>
		<description>Just a couple of comments: I used cloth diapers for both sons and breast-fed both sons. I hated breast feeding, but the babies enjoyed it. I suffered through pumping and freezing breast milk so I could work midnight shift as a Deputy Sheriff and my husband (who worked day shift as a Deputy Sheriff) could feed them nutritious breast milk while I was working. I think it made a healthier child, even though I didn&#039;t like it very much. We also put them in a regular lower bunk bed (free as a hand me down) as soon as they were climbing out of a crib- 18 months or so. My husband bought an extra &#039;rail&#039; at a garage sale and we put the beds up against the wall. The older son was 5 when the younger went to the lower bunk, so it worked well for us. About the diapers-we used a diaper service. It was AWESOME and back then, cheaper than paper throw away diapers...this was in 1983 and 1987. Oh, and we potty trained them at age 1. That did help with diaper duty. Also, since we worked opposite shifts, we didn&#039;t have to worry about daycare. We think it paid off with great sons. We did pay for Catholic elementary and high school and we are paying for college, but that was a known expense and planned.  Sometimes my Mom or MIL or sister watched the kids when we had a date night when they boys were little, but usually we just did everything with them. Of course, they started snow skiing at age 3 and learned how to drive a waverunner at 7 by themsleves, but I digress. It can be done if you are motivated!! You have to want to do what needs to be done.</description>
		<content:encoded><![CDATA[<p>Just a couple of comments: I used cloth diapers for both sons and breast-fed both sons. I hated breast feeding, but the babies enjoyed it. I suffered through pumping and freezing breast milk so I could work midnight shift as a Deputy Sheriff and my husband (who worked day shift as a Deputy Sheriff) could feed them nutritious breast milk while I was working. I think it made a healthier child, even though I didn&#8217;t like it very much. We also put them in a regular lower bunk bed (free as a hand me down) as soon as they were climbing out of a crib- 18 months or so. My husband bought an extra &#8216;rail&#8217; at a garage sale and we put the beds up against the wall. The older son was 5 when the younger went to the lower bunk, so it worked well for us. About the diapers-we used a diaper service. It was AWESOME and back then, cheaper than paper throw away diapers&#8230;this was in 1983 and 1987. Oh, and we potty trained them at age 1. That did help with diaper duty. Also, since we worked opposite shifts, we didn&#8217;t have to worry about daycare. We think it paid off with great sons. We did pay for Catholic elementary and high school and we are paying for college, but that was a known expense and planned.  Sometimes my Mom or MIL or sister watched the kids when we had a date night when they boys were little, but usually we just did everything with them. Of course, they started snow skiing at age 3 and learned how to drive a waverunner at 7 by themsleves, but I digress. It can be done if you are motivated!! You have to want to do what needs to be done.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Vanessa</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823911</link>
		<dc:creator>Vanessa</dc:creator>
		<pubDate>Fri, 04 Dec 2009 03:53:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823911</guid>
		<description>Many thoughts here:

On co-sleeping-I did both, sort of. At bedtime, I would put my baby down in the bassinet (really a pram that has been handed around my family since 1977-my kids used it in 1997 and 2003) that stayed in my room. Then when she woke in the middle of the night I would bring her into bed with me for breastfeeding, etc. If I woke up and she was sleeping, I&#039;d put her back int he bassinet, if not she&#039;d stay in the bed with me. This way, she got used to sleeping on her own (always put the baby down drowsy but awake) but my sleep disturbance would be minimal. Once sleeping through the night, she was moved to the crib in her room. Both my kids slept through the night at 6weeks, with occasional exceptions when sick. They also have always been good about going to bed with minimal routine. Maybe one book, but sometimes just bedtime-hug and kiss-and off they go to bed all on there own since toddlerhood.

Daycare-I have also done both. When I first married (already had first kid-very young) we were definitely low income. We couldn&#039;t afford daycare with me working or for me not to work. So we did the opposite shift thing. It SUCKS!!!! I did that for four years and again for the last three. It is especially bad when the oldest is in school because the night shifter almost never gets to see that one. And never gets to see the spouse. I tried staying home, but couldn&#039;t afford that either. Yes after daycare my income was much much less, but I had health insurance for the kids and grocery money, which is important. And we live very frugally.

Daycare cost-yes if you figure $900 per month that is not much pay, but as someone pointed out, that is $900 per month for three children per worker. And as the child gets older the cost drops somewhat but the child :teacher ratio rises dramatically. $750 per month for a preschooler with a 9:1 ratio. That works out to about $40 per hour.</description>
		<content:encoded><![CDATA[<p>Many thoughts here:</p>
<p>On co-sleeping-I did both, sort of. At bedtime, I would put my baby down in the bassinet (really a pram that has been handed around my family since 1977-my kids used it in 1997 and 2003) that stayed in my room. Then when she woke in the middle of the night I would bring her into bed with me for breastfeeding, etc. If I woke up and she was sleeping, I&#8217;d put her back int he bassinet, if not she&#8217;d stay in the bed with me. This way, she got used to sleeping on her own (always put the baby down drowsy but awake) but my sleep disturbance would be minimal. Once sleeping through the night, she was moved to the crib in her room. Both my kids slept through the night at 6weeks, with occasional exceptions when sick. They also have always been good about going to bed with minimal routine. Maybe one book, but sometimes just bedtime-hug and kiss-and off they go to bed all on there own since toddlerhood.</p>
<p>Daycare-I have also done both. When I first married (already had first kid-very young) we were definitely low income. We couldn&#8217;t afford daycare with me working or for me not to work. So we did the opposite shift thing. It SUCKS!!!! I did that for four years and again for the last three. It is especially bad when the oldest is in school because the night shifter almost never gets to see that one. And never gets to see the spouse. I tried staying home, but couldn&#8217;t afford that either. Yes after daycare my income was much much less, but I had health insurance for the kids and grocery money, which is important. And we live very frugally.</p>
<p>Daycare cost-yes if you figure $900 per month that is not much pay, but as someone pointed out, that is $900 per month for three children per worker. And as the child gets older the cost drops somewhat but the child :teacher ratio rises dramatically. $750 per month for a preschooler with a 9:1 ratio. That works out to about $40 per hour.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Telephus</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823871</link>
		<dc:creator>Telephus</dc:creator>
		<pubDate>Fri, 04 Dec 2009 01:19:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823871</guid>
		<description>I agree with the poster who mentioned a mattress on the floor instead of a toddler bed.  We were given a full size bedroom set (minus the bed - but including the mattress) when we bought our house, and our son was outgrowing his crib. We put the mattress on the floor, bought a couple of covers, and it&#039;s great.  He hasn&#039;t fallen off, but I don&#039;t have to worry about it.  This year for Christmas we&#039;re buying him a bedframe.</description>
		<content:encoded><![CDATA[<p>I agree with the poster who mentioned a mattress on the floor instead of a toddler bed.  We were given a full size bedroom set (minus the bed &#8211; but including the mattress) when we bought our house, and our son was outgrowing his crib. We put the mattress on the floor, bought a couple of covers, and it&#8217;s great.  He hasn&#8217;t fallen off, but I don&#8217;t have to worry about it.  This year for Christmas we&#8217;re buying him a bedframe.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Tammy</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823793</link>
		<dc:creator>Tammy</dc:creator>
		<pubDate>Thu, 03 Dec 2009 20:57:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823793</guid>
		<description>I tried sleeping with the baby in the room for about 2 days.  Doesn&#039;t work for me!  Every little noise she made woke me up...and now that she&#039;s a preschooler she is a roller and a kicker.  I think everybody sleeps better in their own beds.  Plus, she loves her big girl bed!

We save money on day care by having a very kind and generous Grandma who watches our 3 year old while my husband and I work.  If we were paying day care costs, we&#039;d be in a world of hurt.  MiMi gets plenty of grandma time and I know I am leaving my daughter in a safe and loving place.  I also know not everybody has this option available...I&#039;m very lucky.

Also lucky...we nursed until I had to go back to work, but then had to transition to formula.  My mom worked for the company that makes Similac, so we went to the company store and bought about 5 cases at less than half price.

If you don&#039;t have friends that share the baby clothes, hit the garage sales hard!  I got a $100 changing table for $20 (it just needed a new coat of paint) and tons of name brand clothes for a quarter or less.</description>
		<content:encoded><![CDATA[<p>I tried sleeping with the baby in the room for about 2 days.  Doesn&#8217;t work for me!  Every little noise she made woke me up&#8230;and now that she&#8217;s a preschooler she is a roller and a kicker.  I think everybody sleeps better in their own beds.  Plus, she loves her big girl bed!</p>
<p>We save money on day care by having a very kind and generous Grandma who watches our 3 year old while my husband and I work.  If we were paying day care costs, we&#8217;d be in a world of hurt.  MiMi gets plenty of grandma time and I know I am leaving my daughter in a safe and loving place.  I also know not everybody has this option available&#8230;I&#8217;m very lucky.</p>
<p>Also lucky&#8230;we nursed until I had to go back to work, but then had to transition to formula.  My mom worked for the company that makes Similac, so we went to the company store and bought about 5 cases at less than half price.</p>
<p>If you don&#8217;t have friends that share the baby clothes, hit the garage sales hard!  I got a $100 changing table for $20 (it just needed a new coat of paint) and tons of name brand clothes for a quarter or less.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Mighty@LettersTo.Us</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823791</link>
		<dc:creator>Mighty@LettersTo.Us</dc:creator>
		<pubDate>Thu, 03 Dec 2009 20:54:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823791</guid>
		<description>@Ben (37): I like to do things that are good for the environment, because it is always better to do good than not good. Putting putrid trash that does not biodegrade in a landfill is not good. Things biodegrade when they are exposed to sun, wind, water, etc. Things in a landfill don&#039;t. They can scoop down into a landfill, and tell how old a section is by reading the newspapers.

I agree that it is a big country, and that we don&#039;t have to worry about space now, or for a long time. However, it is better to not fell trees, transport diapers in plastic (oil-based) packaging when we can make a one-time purchase of cloth diapers and wash them in water that gets cleaned by the city&#039;s water plant.

@ Dan, #45: In my experience, using a combination of BumGenius 3.0&#039;s, prefolds (old-fashioned) and fitted&#039;s with covers (old-fashioned, cut like undies with snaps), we have had maybe 10 leaks in 16 months. We also do not have to shop around for good prices on diapers, which saves time. Finally, because we store our diapers in two bins: 1. for pee-pee diapers, in Wolfie&#039;s room and 2. for rinsed off poop diapers, in a bucket, in a cabinet, under the sink, we don&#039;t really have a diaper stink problem. My sister used dispoables for both kids, and still for the younger one at night, and even with just a few diapers a week in the pail, the kids room smells like diapers. I think cloth doesn&#039;t have this problem as much because you wash cloth diapers every 2-3 days with a 24-36 diaper supply, and they don&#039;t have time to fester. Disposables are stinkier because they can gather for a week, and because most people don&#039;t actually shake the poops into the toilet before disposing (the way you are legally obliged to--it&#039;s generally illegal to put fecal matter into the garbage because it seeps into the ground water). Another reason why landfills are not the answer.</description>
		<content:encoded><![CDATA[<p>@Ben (37): I like to do things that are good for the environment, because it is always better to do good than not good. Putting putrid trash that does not biodegrade in a landfill is not good. Things biodegrade when they are exposed to sun, wind, water, etc. Things in a landfill don&#8217;t. They can scoop down into a landfill, and tell how old a section is by reading the newspapers.</p>
<p>I agree that it is a big country, and that we don&#8217;t have to worry about space now, or for a long time. However, it is better to not fell trees, transport diapers in plastic (oil-based) packaging when we can make a one-time purchase of cloth diapers and wash them in water that gets cleaned by the city&#8217;s water plant.</p>
<p>@ Dan, #45: In my experience, using a combination of BumGenius 3.0&#8242;s, prefolds (old-fashioned) and fitted&#8217;s with covers (old-fashioned, cut like undies with snaps), we have had maybe 10 leaks in 16 months. We also do not have to shop around for good prices on diapers, which saves time. Finally, because we store our diapers in two bins: 1. for pee-pee diapers, in Wolfie&#8217;s room and 2. for rinsed off poop diapers, in a bucket, in a cabinet, under the sink, we don&#8217;t really have a diaper stink problem. My sister used dispoables for both kids, and still for the younger one at night, and even with just a few diapers a week in the pail, the kids room smells like diapers. I think cloth doesn&#8217;t have this problem as much because you wash cloth diapers every 2-3 days with a 24-36 diaper supply, and they don&#8217;t have time to fester. Disposables are stinkier because they can gather for a week, and because most people don&#8217;t actually shake the poops into the toilet before disposing (the way you are legally obliged to&#8211;it&#8217;s generally illegal to put fecal matter into the garbage because it seeps into the ground water). Another reason why landfills are not the answer.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Courtney</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823785</link>
		<dc:creator>Courtney</dc:creator>
		<pubDate>Thu, 03 Dec 2009 20:38:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823785</guid>
		<description>@Jane
It doesn&#039;t make sense for both parents in a low-income family to work and put their kids in daycare.  When you add up daycare and other work-associated costs, it most likely exceeds one of their salaries so they are actually losing money by having both parents work. 

If they both absolutely need to earn money, they would be better off working different shifts so one parent is always home, or figuring out a way for the stay-at-home spouse to earn income from home.

Having said that, I know plenty of low-income families who are able to get by on one income with no government assistance.  It can be done.
 

@Joanna
I wasn&#039;t aiming the Walmart comment at you - just speaking generally :)</description>
		<content:encoded><![CDATA[<p>@Jane<br />
It doesn&#8217;t make sense for both parents in a low-income family to work and put their kids in daycare.  When you add up daycare and other work-associated costs, it most likely exceeds one of their salaries so they are actually losing money by having both parents work. </p>
<p>If they both absolutely need to earn money, they would be better off working different shifts so one parent is always home, or figuring out a way for the stay-at-home spouse to earn income from home.</p>
<p>Having said that, I know plenty of low-income families who are able to get by on one income with no government assistance.  It can be done.</p>
<p>@Joanna<br />
I wasn&#8217;t aiming the Walmart comment at you &#8211; just speaking generally :)</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Dan</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823751</link>
		<dc:creator>Dan</dc:creator>
		<pubDate>Thu, 03 Dec 2009 19:13:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823751</guid>
		<description>On the topic of toddler beds...

We had a queen sized bed as a guest bed prior to our first born.  It only made sense to use it as a kid bed after the crib because; we already had it, and because the &quot;guest&quot; room was going to be his room anyhow.  To combat the &quot;height&quot; issue, we just put down a rug and laid the mattresses directly on the floor.  We also found a rail that slips under the matress for $1.50 at a garage sale.  We covered the matress with a vinyl sheet.  We are also saving because all the old queen sized sheets still fit and can be used.

On daipers,

We&#039;ve been able to find deals just about everywhere.  I think we average about $.15 per diaper...I&#039;m not sure the cost of cloth, but considering the initial investment, time to clean, smell, and chances of leaks...I&#039;m sure $.15 might start to sound like a deal...no?


On breastfeeding:

YES YES YES....and guys, make sure you take a lactation class with your wives prior to the first born, be there to support them with ALL your wife&#039;s needs.  Afterall, that&#039;s a TON of money to be saved!

On hand-me-downs:

I&#039;m 100% for that....my wife and I differ on this occasionally, but I always say, &quot;what does a 3yr old need to know about style?&quot;</description>
		<content:encoded><![CDATA[<p>On the topic of toddler beds&#8230;</p>
<p>We had a queen sized bed as a guest bed prior to our first born.  It only made sense to use it as a kid bed after the crib because; we already had it, and because the &#8220;guest&#8221; room was going to be his room anyhow.  To combat the &#8220;height&#8221; issue, we just put down a rug and laid the mattresses directly on the floor.  We also found a rail that slips under the matress for $1.50 at a garage sale.  We covered the matress with a vinyl sheet.  We are also saving because all the old queen sized sheets still fit and can be used.</p>
<p>On daipers,</p>
<p>We&#8217;ve been able to find deals just about everywhere.  I think we average about $.15 per diaper&#8230;I&#8217;m not sure the cost of cloth, but considering the initial investment, time to clean, smell, and chances of leaks&#8230;I&#8217;m sure $.15 might start to sound like a deal&#8230;no?</p>
<p>On breastfeeding:</p>
<p>YES YES YES&#8230;.and guys, make sure you take a lactation class with your wives prior to the first born, be there to support them with ALL your wife&#8217;s needs.  Afterall, that&#8217;s a TON of money to be saved!</p>
<p>On hand-me-downs:</p>
<p>I&#8217;m 100% for that&#8230;.my wife and I differ on this occasionally, but I always say, &#8220;what does a 3yr old need to know about style?&#8221;</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Margaret</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823678</link>
		<dc:creator>Margaret</dc:creator>
		<pubDate>Thu, 03 Dec 2009 16:02:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823678</guid>
		<description>My brother and sister in law got their baby stroller/car seat combo from a friend who had used it for one child.  When that friend was expecting a second, they offered it back, but she didn&#039;t want it, because she didn&#039;t think it would be fair to the second child not to have everything new!!!

I sleep with my kids, and I LOVE it.  I would much rather sleep with my kids and deal with a little rolling around than sleep with my husband who bounces and rolls worse than the kids and snores like a jackhammer.

I am a SAHM, but my cousin just started having kids and she works.  Right now, her child is in an excellent daycare, but she thinks that when they have another, they will probably switch to a nanny, probably live in, because that will be less expensive.  If they have twins, then a nanny definitely ends up the more affordable choice.</description>
		<content:encoded><![CDATA[<p>My brother and sister in law got their baby stroller/car seat combo from a friend who had used it for one child.  When that friend was expecting a second, they offered it back, but she didn&#8217;t want it, because she didn&#8217;t think it would be fair to the second child not to have everything new!!!</p>
<p>I sleep with my kids, and I LOVE it.  I would much rather sleep with my kids and deal with a little rolling around than sleep with my husband who bounces and rolls worse than the kids and snores like a jackhammer.</p>
<p>I am a SAHM, but my cousin just started having kids and she works.  Right now, her child is in an excellent daycare, but she thinks that when they have another, they will probably switch to a nanny, probably live in, because that will be less expensive.  If they have twins, then a nanny definitely ends up the more affordable choice.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: DivaJean</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823677</link>
		<dc:creator>DivaJean</dc:creator>
		<pubDate>Thu, 03 Dec 2009 16:01:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823677</guid>
		<description>Adding my input on the toddler bed discussion.

We never used toddler beds. The bottom bunk of most bunk beds are usually significantly lower to the floor than standard twin sized beds. One side of the bed goes against a wall, the other gets a bed rail. Safe and snug- and no need for a toddler bed.

That being said- if a toddler bed could be obtained for free from a friend or relative (which seems pretty likely for most people skulking here), it doesn&#039;t really make a difference either way.</description>
		<content:encoded><![CDATA[<p>Adding my input on the toddler bed discussion.</p>
<p>We never used toddler beds. The bottom bunk of most bunk beds are usually significantly lower to the floor than standard twin sized beds. One side of the bed goes against a wall, the other gets a bed rail. Safe and snug- and no need for a toddler bed.</p>
<p>That being said- if a toddler bed could be obtained for free from a friend or relative (which seems pretty likely for most people skulking here), it doesn&#8217;t really make a difference either way.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Joanna</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823673</link>
		<dc:creator>Joanna</dc:creator>
		<pubDate>Thu, 03 Dec 2009 15:51:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823673</guid>
		<description>@ Courtney:

Don&#039;t rush to judgement &amp; lump me in w/ all the Walmart haters.  The only thing I hate about Walmart is the experience of going there.  ;-)</description>
		<content:encoded><![CDATA[<p>@ Courtney:</p>
<p>Don&#8217;t rush to judgement &amp; lump me in w/ all the Walmart haters.  The only thing I hate about Walmart is the experience of going there.  ;-)</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Mark</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823668</link>
		<dc:creator>Mark</dc:creator>
		<pubDate>Thu, 03 Dec 2009 15:36:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823668</guid>
		<description>What&#039;s the big deal with cloth diapers? Bigger sized disposables run $.25/each or more. 10/day * 365 days = $912.50/year!!! We&#039;ve bought about $350 dollars worth of cloth diapers! If you think they&#039;re yucky you&#039;re not doing it right! Also, many daycares will use cloth diapers. You bring the day&#039;s supply with you in the morning and a wet bag for the provider to put them in and then take it all home to wash.</description>
		<content:encoded><![CDATA[<p>What&#8217;s the big deal with cloth diapers? Bigger sized disposables run $.25/each or more. 10/day * 365 days = $912.50/year!!! We&#8217;ve bought about $350 dollars worth of cloth diapers! If you think they&#8217;re yucky you&#8217;re not doing it right! Also, many daycares will use cloth diapers. You bring the day&#8217;s supply with you in the morning and a wet bag for the provider to put them in and then take it all home to wash.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Stephanie</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823654</link>
		<dc:creator>Stephanie</dc:creator>
		<pubDate>Thu, 03 Dec 2009 15:05:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823654</guid>
		<description>Breastfeeding is another way to cut costs.  Formula is sooo expensive.

Also, I see a lot of families moving to bigger houses in order to accomodate growing families.  We resisted that urge and made due with our little home.  The cost savings of doing that are huge!  Does every kid really need his own bedroom?  Do you really need a playroom AND a family room? 

I agree that daycare costs are a huge burden for many working families.  We decided I would work only part time for now and that my husband would use flex hours to be home when I was working.  This might be a possibility for some and worth asking employers about.  If your employer is open to flex time, then it can cut down on how many hours of daycare you need to buy.  We&#039;ve also started a babysitting co-op with some friends so that my husband and I can get out together once in a while. I was shocked at the hourly cost of a babysitter.</description>
		<content:encoded><![CDATA[<p>Breastfeeding is another way to cut costs.  Formula is sooo expensive.</p>
<p>Also, I see a lot of families moving to bigger houses in order to accomodate growing families.  We resisted that urge and made due with our little home.  The cost savings of doing that are huge!  Does every kid really need his own bedroom?  Do you really need a playroom AND a family room? </p>
<p>I agree that daycare costs are a huge burden for many working families.  We decided I would work only part time for now and that my husband would use flex hours to be home when I was working.  This might be a possibility for some and worth asking employers about.  If your employer is open to flex time, then it can cut down on how many hours of daycare you need to buy.  We&#8217;ve also started a babysitting co-op with some friends so that my husband and I can get out together once in a while. I was shocked at the hourly cost of a babysitter.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Jane</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823644</link>
		<dc:creator>Jane</dc:creator>
		<pubDate>Thu, 03 Dec 2009 14:48:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823644</guid>
		<description>@Courtney
I pretty much agree with you IF you are talking about solidly middle class families with resources. But for lower class families, it probably isn&#039;t an option for someone to stay home. Their wages just aren&#039;t high enough for someone to opt out of the job market. And if they do opt out, they are probably on some sort of public assistance like WIC or food stamps.

But, yes, you are certainly right that there is somewhat of a double standard regarding wages and what we are willing to tolerate our Walmart workers making vs. nannies.

My husband and I certainly make sacrifices by having me stay home. We drive clunkers. We bought a small home. Private school will not be an option (no problem, since we are both big fans of public schools and live in a decent school district). But I also recognize that my husband earns much more than a lot of people.</description>
		<content:encoded><![CDATA[<p>@Courtney<br />
I pretty much agree with you IF you are talking about solidly middle class families with resources. But for lower class families, it probably isn&#8217;t an option for someone to stay home. Their wages just aren&#8217;t high enough for someone to opt out of the job market. And if they do opt out, they are probably on some sort of public assistance like WIC or food stamps.</p>
<p>But, yes, you are certainly right that there is somewhat of a double standard regarding wages and what we are willing to tolerate our Walmart workers making vs. nannies.</p>
<p>My husband and I certainly make sacrifices by having me stay home. We drive clunkers. We bought a small home. Private school will not be an option (no problem, since we are both big fans of public schools and live in a decent school district). But I also recognize that my husband earns much more than a lot of people.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ben</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823634</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Thu, 03 Dec 2009 14:22:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823634</guid>
		<description>And these hand me downs can occur on a larger scale.  My cousin and sister recently had children.  The first thing I did was congratulate them.  The second was to ask them to save everything that my future kids might be able to use.  Same goes for other parents that you meet that might have, for example, boys clothes they can&#039;t hand down to his younger sister etc.</description>
		<content:encoded><![CDATA[<p>And these hand me downs can occur on a larger scale.  My cousin and sister recently had children.  The first thing I did was congratulate them.  The second was to ask them to save everything that my future kids might be able to use.  Same goes for other parents that you meet that might have, for example, boys clothes they can&#8217;t hand down to his younger sister etc.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kevin</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823631</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Thu, 03 Dec 2009 14:20:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823631</guid>
		<description>I don&#039;t understand what the big deal is with disposable diapers.  They&#039;re so much more convenient and less &quot;icky.&quot;

&quot;OMG but think of the environment, we can&#039;t just keep burying these things, they never biodegrade!&quot;

Uh, last time I checked, it&#039;s a BIG country.  We&#039;re no in any danger of running out of places to bury stuff any time soon.  And also, just because you bury garbage somewhere doesn&#039;t render the land unusable.  In my hometown, once the landfill was &quot;full&quot;, they covered it all in topsoil and made it into a park.  And finally, saying they &quot;never&quot; biodegrade is false.  Plastics DO degrade, they just take a very long time to do it.  And newer disposable diapers use materials that degrade much, much faster than the disposable diapers our parents used.

I guess I just dislike all the irrational &quot;environment&quot;-mania when it&#039;s applied to landfills.  If you think about it logically, it&#039;s not a big deal at all.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t understand what the big deal is with disposable diapers.  They&#8217;re so much more convenient and less &#8220;icky.&#8221;</p>
<p>&#8220;OMG but think of the environment, we can&#8217;t just keep burying these things, they never biodegrade!&#8221;</p>
<p>Uh, last time I checked, it&#8217;s a BIG country.  We&#8217;re no in any danger of running out of places to bury stuff any time soon.  And also, just because you bury garbage somewhere doesn&#8217;t render the land unusable.  In my hometown, once the landfill was &#8220;full&#8221;, they covered it all in topsoil and made it into a park.  And finally, saying they &#8220;never&#8221; biodegrade is false.  Plastics DO degrade, they just take a very long time to do it.  And newer disposable diapers use materials that degrade much, much faster than the disposable diapers our parents used.</p>
<p>I guess I just dislike all the irrational &#8220;environment&#8221;-mania when it&#8217;s applied to landfills.  If you think about it logically, it&#8217;s not a big deal at all.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Steffie</title>
		<link>http://www.thesimpledollar.com/2009/12/02/the-costs-of-preparing-for-additional-children/comment-page-1/#comment-823630</link>
		<dc:creator>Steffie</dc:creator>
		<pubDate>Thu, 03 Dec 2009 14:12:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4665#comment-823630</guid>
		<description>on the hand me down/used items like cribs etc, just make sure there have been no safety recalls on the items</description>
		<content:encoded><![CDATA[<p>on the hand me down/used items like cribs etc, just make sure there have been no safety recalls on the items</p>
]]></content:encoded>
	</item>
</channel>
</rss>

