want a baby, In serious debt

[Denya]

Hi, I have been feeling like I really want to get pregnant now, for 2 months. I have been worried about the debt that I am in.  I know that some people will say that if you wait until your finances are perfect you'll never have a baby.  I am feeling like my biological clock is really ticking, and I was never one to want children untll I had everything in place, but lately I am ready to have a baby, and I talked to my hubby about it and he said yes?  Does anyone think I'm being selfish?  Should I wait til I am more financially stable?

[Denya]

I think that is where my post was heading, I'm glad you picked read inbetween the lines.  This is concern for me, I'm going to pick up a second job and work on paying off debt.  

[ovaz129]

I agree with all posters above, but one thing to consider is how additional debt (having a child) might effect your marriage negatively.  If you tend to argue over the debt this could add strain to an already strenuous situation.  No one can tell you what to do... only you and your husband know what is right for you.  My husband and I are not in debt, but have many friends who are and have children.  It is a definite reach for them, but somehow they make it through.  I think that it all depends on how you manage your money, stress, and marriage.  Good luck... you have quite a decision! :)

[LauraB78]

In my opinion, you and your husband need to do what you think is best. I am a single woman, 30 yrs. old, and am pregnant (TOTALLY unplanned). I also am not AT ALL financially stable, but I feel like I can (at least I am trying like h e l l ) to make it work. Do you have any friends in the financial investing/planning business that you could sit down with and look at your finances (debt vs. income ratio, etc?)

If you and your husband are ready to start a family and can provide the basics, I personally say go for it. Just know that there are things you will have to sacrifice..Oftentimes, people get pregnant unplanned and they make it work. I think the fact that finances is a consideration/concern shows there is a certain level of maturity and proves you understand it is a huge financial undertaking. I would think about it, maybe see if there anything you can scale back on, try to pay off a bill or two, and go for it?

Good luck & hope this helps.

[nikko*ttc]

You, could, but if you feel you are really ready then the finances will fall into place. The big thing is to look at whether you can budget the child care and other expenses. It may mean making a few sacrifices but you never know. DH and I are big Dave Ramsey fans. We have been following his plan for years. If you don't already have one, try sitting down and writing out a budget, you may just find money you didn't realize you were spending and money you didn't even realize was there.

[mami1323]

Well it's really all depending on your situation.  You are 26, you have time yet but if it's something you really want and both you and your hubby are both willing to take on the financial responsibility then you should do what makes you happy.  Yes, it's expensive but I don't think anyone is truly ready to have kids financially.  I'm in debt, I think the entire world is in debt but is the debt so bad that you can't add a child to that, only you and your husband know this.