Kids Ain't Cheap

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Here’s How The Price of Raising A Child Has Skyrocketed From 1990 to 2025!

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The Price of Raising A Child Has Skyrocketed From 1990 to 2025

It’s no secret that parenting comes with a price tag—but what’s shocking is just how much that cost has grown over the last few decades. If raising a child in 1990 felt expensive, raising one in 2025 might feel like prepping for retirement. From groceries to daycare, medical bills to college tuition, every category has surged. And for parents trying to make smart financial choices, the numbers can be more than a little intimidating.
Let’s take a closer look at the cost of raising a child—and how it’s ballooned from 1990 to 2025.

1. Housing Costs Have Taken a Huge Leap

In 1990, housing accounted for a significant but manageable chunk of a family’s budget. Fast forward to 2025, and it’s often the single largest expense when raising a child. Skyrocketing rent and mortgage rates—especially in urban and suburban areas—have made it harder for families to find affordable, kid-friendly living spaces. Add in the need for extra bedrooms, safer neighborhoods, and proximity to good schools, and the financial burden climbs. Families today spend far more just to put a roof over their child’s head.

2. Childcare and Preschool Have Become Luxury Expenses

Thirty years ago, many families relied on one income while the other parent stayed home, or childcare was a modest part of the budget. Now, with most households needing dual incomes, daycare and preschool have become unavoidable—and incredibly pricey. Some full-time care programs cost more than in-state college tuition. In 1990, childcare might have felt like a support; in 2025, it feels like a second mortgage. For many parents, accessing affordable, high-quality care is one of the biggest financial stressors.

3. Groceries and Essentials Keep Climbing

While inflation is expected over time, the jump in food and household necessities has outpaced many family incomes. The cost of diapers, formula, baby wipes, and other kid-specific goods has risen dramatically. Even basic grocery bills have ballooned, especially for families trying to provide fresh, healthy options. In 1990, parents might have spent modestly on bulk cereal and boxed lunches. Today, they’re juggling rising prices with constant supply chain changes and nutrition concerns.

4. Health Care Costs Have Doubled (and Then Some)

Health insurance in 1990 wasn’t cheap—but it wasn’t the monster it is today. Parents in 2025 face high premiums, rising deductibles, and unpredictable out-of-pocket costs. Even with decent coverage, things like co-pays, dental work, vision care, and mental health services add up fast. Preventative care, while more advanced now, often comes with a hefty bill attached. The cost of raising a child is now closely tied to navigating an expensive, often confusing healthcare system.

5. Technology Is Now a “Must-Have”

In the early ’90s, screen time meant a shared TV and maybe a Game Boy. In 2025, kids are growing up with tablets, smartwatches, educational apps, and school-assigned laptops—all of which cost money to buy and maintain. Many parents also feel pressure to keep up with digital trends so their kids aren’t left behind socially or academically. Tech-related costs have shifted from “fun extras” to “basic necessities.” That shift comes with ongoing financial upkeep, including subscriptions, accessories, and repairs.

6. Education Comes with a Higher Price Tag—At Every Stage

College tuition is the obvious giant in the room, but the costs start much earlier. From extracurricular activities and tutoring to private schools and school supplies, education-related spending has exploded. In 1990, a new backpack and some notebooks might have done the trick. In 2025, school supply lists read more like a warehouse order, and enrichment activities feel mandatory for future success. Even “free” public education often includes hidden costs that stack up quickly.

7. Kids’ Activities and Experiences Are Bigger and Bolder

Birthday parties, sports teams, music lessons, and summer camps have all scaled up in price and intensity. Parents often feel pressure to provide Instagram-worthy experiences or keep up with peer expectations. While enriching activities are great, they can cost hundreds—or thousands—per season. In 1990, backyard birthday parties and community soccer leagues were the norm. Today, even low-key childhood fun comes with registration fees, gear requirements, and travel costs.

8. The Emotional Cost Has Financial Impacts

More than ever, parents are juggling financial stress while trying to give their kids the best life possible. And emotional burnout can have economic consequences—missed work, skipped promotions, or impulse spending in response to guilt or exhaustion. In an age of constant comparison, parents often feel pressured to over-deliver. The cost of raising a child today includes managing the emotional toll that comes with doing more, spending more, and worrying more.

Awareness = Power: Know Where Your Money Is Going

While the numbers can feel overwhelming, understanding where costs have risen most gives parents the power to plan smarter. You don’t have to spend extravagantly to raise a happy, healthy child—but you do need to be realistic about the modern price tag. Whether you’re budgeting for baby or prepping for college, the key is knowing what’s changed and how to adjust. Because raising a child might be more expensive now—but it’s still worth every penny when done with intention.
Have you noticed a huge jump in certain parenting expenses over the years? Share your insights in the comments!

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Here’s What It Cost to Raise A Child in The Year 2000

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Here’s What It Cost to Raise a Child in 2020

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Cost to Raise a Child in 2020

2020 changed almost everything, including how much it costs to raise a child. From remote learning and rising food prices to juggling work-from-home life and unexpected childcare gaps, parents felt the financial pressure more than ever. While previous years followed more predictable spending trends, 2020 threw curveballs that reshaped family budgets in real-time. But what did it actually cost to raise a child during one of the most unpredictable years in recent memory? Let’s break down the numbers and explore where the money really went in 2020.

1. The Average Cost Was Around $233,610—Before the Pandemic Extras

According to the U.S. Department of Agriculture’s latest available data before 2020, it cost roughly $233,610 to raise a child from birth through age 17 for a middle-income, two-parent household. That’s about $13,741 per year, per child—not including college tuition. But when the pandemic hit, many families saw spikes in certain categories that made that number feel low. From higher grocery bills to at-home schooling costs, the “new normal” brought new expenses. While official adjusted numbers for 2020 weren’t immediately available, the reality for families often went well beyond projections.

2. Grocery Bills Went Up—A Lot

With everyone at home for months at a time, families experienced a major jump in food expenses. Kids who usually ate breakfast or lunch at school were now eating every meal at home, and those costs added up fast. According to the Bureau of Labor Statistics, grocery prices rose by 3.5% in 2020, the largest increase since 2011. Staples like meat, eggs, and dairy saw especially sharp price hikes. Even if you planned meals carefully, the cost of raising a child in 2020 definitely included extra snack runs and grocery store trips.

3. Childcare Became a Chaotic Line Item

Many daycares closed temporarily or operated under limited capacity, forcing parents to either scramble for alternatives or juggle full-time childcare while working remotely. Some families paid for part-time sitters, private learning pods, or tutors to help manage distance learning. Others had to cut back work hours, creating a hidden financial toll. Even families who saved on formal daycare still felt the impact through lost productivity and burnout. The flexibility came at a steep price—one not always measured in dollars.

4. Technology Costs Skyrocketed

Virtual learning turned every kitchen table into a classroom and every child into a tech user overnight. Parents spent hundreds on laptops, tablets, headsets, upgraded internet plans, and learning software. Even families with school-issued devices often bought extras to make home learning smoother. When multiple kids needed simultaneous access, many households invested in additional equipment just to keep up. For most families, this category didn’t even exist before, but in 2020, it became essential to the cost of raising a child.

5. Healthcare Costs Stayed High—Even Without Doctor Visits

While routine visits and elective procedures decreased, many families still saw high out-of-pocket healthcare costs in 2020. Insurance premiums didn’t pause for the pandemic, and unexpected COVID-related visits added to the burden. Parents also stocked up on over-the-counter medications, thermometers, and sanitizing products just to be prepared. Mental health services for kids and teens became another unexpected line item, especially with so many struggling in isolation. Healthcare remained one of the year’s most unpredictable—and unavoidable—expenses.

6. Entertainment and Activity Budgets Shifted

Extracurriculars, sports leagues, and playdates disappeared overnight, which should have saved money, but families quickly replaced them with other at-home alternatives. From backyard upgrades to subscriptions for streaming, learning apps, and DIY craft kits, parents found new ways to keep kids busy. Many families also invested in bikes, scooters, trampolines, or home gym equipment to burn off energy. While some of these purchases were one-time, they represented a meaningful change in how families spent money to stay sane indoors.

7. Clothing Costs Decreased—But Only Temporarily

One silver lining? Many parents reported spending less on clothes in 2020. With schools, sports, and events canceled, there was less need for “real” outfits and shoes. Pajamas and stretchy pants reigned supreme for months. But once things began reopening or hybrid learning started, kids had outgrown nearly everything, forcing families to play catch-up with entire wardrobes. In the long run, it evened out for many, just spaced out differently than usual.

Raising a Child in 2020 Meant More Than Budgeting

Yes, 2020 came with higher price tags in some categories and lower ones in others—but the emotional cost was just as real. Parents had to stretch every dollar, every hour, and every ounce of patience. The cost of raising a child in 2020 wasn’t just about money—it was about flexibility, sacrifice, and resilience. If you made it through with your sanity (mostly) intact, give yourself credit. You didn’t just raise your child—you raised your game.

How did your family’s spending shift in 2020? What surprised you most about raising a child during that year? Share your story in the comments!

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7 Childhood Milestones That Come With Surprise Costs

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7 Childhood Milestones That Come With Surprise Costs

Every childhood milestone is worth celebrating—but many come with hidden price tags parents don’t see coming. From first steps to first dances, these moments are precious, exciting, and sometimes unexpectedly expensive. While it’s easy to prepare for diapers or daycare, the financial side of growth spurts, school changes, and developmental achievements often catches parents off guard. A “simple” milestone can trigger a cascade of purchases, fees, or upgrades you didn’t factor into the family budget. Let’s look at seven major moments in your child’s life that can also lead to surprise spending, and how to plan ahead.

1. Moving from Crib to “Big Kid” Bed

Transitioning out of the crib feels like a proud moment—until you realize it’s more than just swapping furniture. Parents often end up buying a new mattress, frame, bedding, pillows, and even room décor to match the upgrade. Safety rails, nightlights, and storytime books about the change can also add up quickly. The shift also tends to spark requests for character-themed sheets or room themes that weren’t part of the original plan. What starts as a $200 bed can quickly become a $600 bedroom makeover.

2. Potty Training

Saying goodbye to diapers sounds like a money-saving win, and eventually it is—but getting there can be pricey. From training toilets and padded undies to rewards charts, pull-ups, and extra laundry, potty training costs sneak in fast. Accidents often mean replacing rugs, clothes, or car seat covers, and some families opt for books, toys, or even apps to help the process along. Add in waterproof mattress protectors and new bedding, and suddenly the cost climbs. Potty training is a milestone with messy—and costly—side effects.

3. Starting Kindergarten

You may think public school will ease your wallet, but starting kindergarten often feels like a shopping spree. Required supply lists include everything from markers and folders to disinfecting wipes and Ziploc bags. Add a backpack, lunchbox, school clothes, and optional classroom donations, and you’re looking at a few hundred dollars right out of the gate. Transportation and after-school care may also become new budget items. Even if tuition isn’t involved, the cost of raising a child definitely spikes during this back-to-school phase.

4. Losing the First Tooth

That first wiggly tooth is a rite of passage, but it can also spark surprise spending. Some parents feel pressure to make the Tooth Fairy’s visit magical, with glittery money, notes, or small gifts. A tooth fairy pillow or special box often joins the celebration. If a dentist recommends early orthodontic care or a mouthguard, the cost of that tiny tooth grows quickly. What starts as a cute dollar-under-the-pillow tradition can sometimes turn into an ongoing budget item.

5. Joining a Sports Team or Activity

Extracurriculars are fantastic for skill-building and socializing, but they’re rarely cheap. Sports can cost hundreds or even thousands of dollars a year, from registration fees and uniforms to equipment, shoes, and travel costs. Some parents also pay for extras like private coaching, team snacks, or end-of-season banquets. The same goes for dance, music, martial arts, or theater. Even “low-cost” activities come with sneaky fees that don’t appear until you’ve committed.

6. Getting Their First Phone

Many parents put off this milestone until middle school or later, but eventually, the phone conversation comes up, and so do the bills. Buying a phone is just the beginning. Monthly service plans, protective cases, insurance, screen repairs, and app purchases add up fast. Parents may also invest in parental control software or monitoring services for peace of mind. What starts as a tool for safety and communication often becomes a long-term expense you’ll need to budget for well in advance.

7. The First School Dance or Social Event

You might think dances and school socials are a high school thing, but they often start earlier, and they bring plenty of surprise costs. Tickets, outfits, shoes, haircuts, photos, and even transportation can all be part of the event. Kids may want to match a theme, join a group dinner, or get accessories last minute. Even if you keep it low-key, there’s pressure to help your child feel confident and included. It’s one moment that seems small but touches the wallet unexpectedly.

Being Ready for More Than Just the Moment

Childhood milestones are more than photo ops—they often involve emotional and financial investment. While it’s easy to focus on the big picture, the smaller, everyday moments quietly stretch your budget the most. By expecting these hidden costs and planning ahead, you can celebrate without stress and keep your finances in check. Whether it’s a $10 lost tooth or a $500 team sport, these transitions deserve attention and preparation. Because the milestones are fleeting, but the bills can stick around longer than you think.

Which milestone surprised you emotionally and financially? Share your story with us in the comments!

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Here’s What It Cost to Raise a Child in 2010

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Cost to Raise a Child in 2010

Ever wonder what it actually cost to raise a child back in 2010? You might be surprised at how different—and how similar—it is to today. In 2010, smartphones were just taking off, gas was around $2.75 a gallon, and most of us still relied on paper coupons. But when it came to raising kids, the expenses were just as real as they are now. According to the U.S. Department of Agriculture, raising a child born in 2010 through age 17 came with a price tag that stunned plenty of parents, and budgets stretched. Let’s break down exactly where that money went and what it looked like to raise a child in the not-so-distant past.

1. The Total Cost Was Just Under $227,000

The USDA’s 2010 estimate put the total cost of raising a child to age 17 at $226,920 for a middle-income, two-parent household. That worked out to around $13,348 per year, not including college. This figure covered the basics: housing, food, transportation, healthcare, clothing, childcare, and education. While inflation has since pushed those numbers higher, this gives a useful snapshot of what families were budgeting for at the start of the decade. It’s also a reminder that parenting has never exactly been cheap.

2. Housing Was the Biggest Expense

Like today, housing took up the largest share of child-rearing costs—about 30% of the total budget. This included mortgage or rent payments, property taxes, utilities, and maintenance costs. In 2010, the housing market was still recovering from the Great Recession, but homeownership was still the goal for many families. Whether renting or buying, parents had to factor in the need for more space as kids grew. The more children you had, the more cost-efficient housing became per child, but it still made the biggest dent in the budget.

3. Childcare and Education Came in Second

Childcare and education costs made up about 18% of total expenses, especially for families with young children. This covered daycare, preschool, tuition, and fees for private schools, not including college. In many areas, full-time daycare rivaled the cost of a second mortgage. Families with two working parents felt the pinch most, often juggling waitlists, varying quality, and rising tuition. For many, this was the stage where stay-at-home parenting became more about financial survival than personal choice.

4. Food Costs Added Up Quickly

Feeding kids in 2010 wasn’t just about peanut butter and jelly—it also involved snacks, school lunches, and the occasional dinner out. The USDA estimated that food took up about 16% of the annual cost of raising a child. Grocery prices were relatively stable that year, but families still had to navigate rising costs for healthier options and brand-name staples. As kids grew, so did their appetites—and the food budget often ballooned in the teen years. Thoughtful meal planning and bulk shopping helped families stay on track.

5. Transportation Was More Than Just Gas

Transportation made up about 14% of the cost, covering everything from family cars and car seats to gas, insurance, and maintenance. Many families needed to upgrade to minivans or SUVs to accommodate growing households. School drop-offs, sports practices, and extracurriculars meant a lot of miles and fuel. Even with carpooling, the wear and tear added up. Transportation was a constant background cost of parenting that few people anticipated in full.

6. Healthcare Costs Were Rising

Healthcare accounted for around 8% of the total cost in 2010, and many families were starting to feel the sting of rising premiums and out-of-pocket expenses. This included insurance, doctor visits, prescriptions, and dental care. While public programs helped some families, many relied on employer-based plans that didn’t always cover everything. High-deductible plans were becoming more common, shifting more of the cost burden onto parents. Even routine wellness checks and vaccines added up when multiplied across several kids.

7. Clothing and Miscellaneous Costs Added the Final Pieces

Clothing made up about 6% of expenses, though that number could climb quickly if fashion-conscious teens were in the mix. School uniforms, seasonal outerwear, and rapid growth spurts meant frequent shopping trips. Beyond that, miscellaneous costs—about 8%—included everything from sports equipment to birthday parties and holiday gifts. These “extras” were often underestimated but added a meaningful chunk to the total. Parents who stuck to hand-me-downs and resale shops found creative ways to stretch every dollar.

Raising a Child in 2010 Was Still a Big Investment

While the number may not seem as shocking now, thanks to inflation, $227,000 was still a hefty figure for most families in 2010. And keep in mind that the estimate ended at age 17. It didn’t include college tuition, student loans, or young adult support during those first years out of high school. Raising children has always required more than just love—it takes serious financial planning, too. Looking back at 2010 gives us helpful context for today’s costs—and reminds us that while prices rise, the commitment stays the same.

Were you raising a child in 2010? How did these costs compare to your own experience? Share your thoughts in the comments!

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Here’s What It Cost to Raise A Child in 1990

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Image source: Pexels

In 1990, Vanilla Ice was topping the charts, kids were trading slap bracelets at recess, and parents were raising children at a fraction of today’s costs. The world felt different, and so did the price tag of parenting.

According to data from the U.S. Department of Agriculture (USDA), the average cost of raising a child from birth to age 18 in 1990 was about $120,000 to $150,000, depending on household income and region. That breaks down to roughly $6,700–$8,300 per year, a figure that feels almost quaint compared to today’s numbers.

Fast-forward to now, and that number has more than doubled. But why? What exactly were families paying for in 1990, and how has the financial burden shifted over the decades?

Let’s take a nostalgic but illuminating look back at what it really cost to raise a child in 1990, and what it tells us about how parenting has changed.

What That $120K–$150K Covered

Back in 1990, the USDA calculated the cost of raising a child based on key categories: housing, food, transportation, clothing, health care, child care and education, and miscellaneous expenses. Here’s how those costs played out in that era:

Housing (30–33% of the total)

Housing was the largest expense, even in the ’90s. But let’s put it into context: the average home price in 1990 was around $123,000, compared to over $430,000 today. Parents in 1990 weren’t immune to mortgage stress, but homeownership and space for growing families was far more attainable.

Food (15–20%)

With fewer convenience foods and smaller portion sizes, feeding a family in 1990 was less of a financial burden. Grocery prices were significantly lower: a gallon of milk cost around $2.15, and you could buy a loaf of bread for less than a dollar. Eating out was a treat, not a twice-weekly expectation.

Transportation (15%)

Most families owned one or two vehicles, and gas prices averaged $1.16 per gallon. Without the constant chauffeuring to extracurriculars, tutors, and events, car costs remained manageable. Plus, car insurance and maintenance fees were less steep across the board.

Clothing (5%)

Fast fashion hadn’t yet taken over, and kids weren’t being dressed like mini-influencers. Hand-me-downs were common. Name brands existed, but they weren’t seen as essential status symbols in most households. A typical pair of kids’ sneakers? About $25.

Health Care (5–10%)

Before the rise of high-deductible plans and co-pays, many families were insulated from major health expenses through employer-sponsored insurance. Out-of-pocket costs were lower, and fewer parents dealt with medical debt.

Child Care and Education (5–10%)

This is where we see one of the biggest contrasts. In 1990, far fewer households relied on full-time daycare, and preschool wasn’t universally considered essential. Many mothers were stay-at-home caregivers, either by choice or social expectation. Private school tuition existed, but it wasn’t the norm. Today, daycare alone can cost $10,000–$20,000 a year in many areas.

Miscellaneous (5–10%)

This included toys, books, entertainment, sports, and vacations. There were costs, but not subscriptions to 10 streaming services, not iPhones by age 9, not $300 gaming consoles for elementary schoolers. Simpler times, indeed.

What’s Changed and Why It Matters

Parenting today comes with far more pressure to spend. Social media amplifies expectations around birthday parties, home aesthetics, brand-name gear, and enrichment opportunities. And in many ways, society has shifted core costs—like education and healthcare—onto families’ shoulders.

Some major changes since 1990 include:

  • Child care has skyrocketed, with many dual-income families spending more on daycare than their mortgage.
  • College savings are now expected to start earlier, thanks to ballooning tuition costs.
  • Technology expenses didn’t exist in 1990—now, every kid “needs” a tablet, headphones, and a reliable internet connection.
  • The cost of “normal childhood” has been redefined, with families paying more to keep up, not necessarily to spoil.

In short, the price of childhood hasn’t just gone up. It’s expanded to include things parents never had to consider before.

Can Today’s Parents Learn Anything From 1990?

Yes, more than you might think. While we can’t time-travel to cheaper groceries or affordable housing, we can borrow from the 1990s mindset Here’s what that might look like:

  • Simplify where possible. Kids don’t need a new wardrobe every season or themed bedrooms. They need comfort, consistency, and confidence.
  • Say “no” to pressure spending. Not every trend deserves your wallet’s attention. Your child won’t remember the Pinterest-perfect lunchbox, but they will remember your presence.
  • Prioritize needs over optics. In 1990, parents focused more on stability and less on social comparison. That’s a value that still pays dividends.
  • Teach financial literacy. The more kids understand money from a young age, the more they’ll grow up appreciating what they have, not demanding what they don’t.

Looking Back and Thinking Ahead

There’s no denying that parenting has always been hard work and expensive. But 1990 offered a version of family life that felt slower, less pressured, and more grounded. As modern parents stare down five-figure daycare bills and screen-induced meltdowns, it’s easy to feel envious.

Still, the values of the ’90s—intentionality, simplicity, community—can absolutely find their way into 2025 family life. You don’t have to raise your kids in a time capsule to benefit from a few throwback priorities.

Do you remember how your parents handled back-to-school shopping, clothes, or birthday parties in the 90s? What’s changed most, and what lessons still stick with you today?

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Here’s What It Cost to Raise A Child in The Year 2000

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Here's What It Cost to Raise A Child in The Year 2000

Thinking back to the year 2000 might feel like flipping through an old photo album—flip phones were in every pocket, gas was under $2 a gallon, and parenting didn’t come with smartwatches or Venmo requests. But one thing hasn’t changed: raising a child was expensive then, too. While today’s parents juggle rising inflation and modern expenses, many wonder—what did it actually cost to raise a child at the turn of the millennium? Looking at the numbers offers a fascinating perspective on how parenting expenses have evolved. It also sheds light on where we’ve come from and why budgeting for kids has never been a small feat.

1. The USDA Estimated It at $165,630 Per Child

In 2000, the U.S. Department of Agriculture estimated that it would cost a middle-income family approximately $165,630 to raise a child from birth to age 17. That figure was based on two-parent households earning between $38,000 and $64,000 annually. This estimate included housing, food, transportation, healthcare, clothing, childcare, education (excluding college), and miscellaneous expenses. Adjusted for inflation, that number would be well over $280,000 in today’s dollars. Even back then, the sticker shock of raising a child was very real, and families had to make careful financial choices to make it work.

2. Housing Was the Biggest Expense

Just like today, housing topped the list of child-related costs in 2000, accounting for about 33% of the total. That includes rent or mortgage, utilities, property taxes, and household maintenance expenses that grow with a family’s size. Even modest homes needed to accommodate cribs, playrooms, and safe yards for play. In suburban areas, families often stretched their budgets for better schools and safer neighborhoods. Though prices were lower than today’s housing market, parents still found themselves budgeting carefully to afford a family-friendly living space.

3. Food Costs Averaged Over $1,300 Annually

Feeding a growing child was no small line item. In 2000, food expenses averaged over $1,300 per child per year for middle-income families. That included groceries, dining out, and school lunches. Younger children required baby formula, snacks, and kid-friendly meals, while teens drove up grocery bills with bigger appetites. Even without today’s organic trends or meal delivery services, keeping the pantry stocked was a constant (and costly) task.

4. Childcare and Education Were Big-Ticket Items

For families with younger kids or two working parents, childcare and early education were among the most expensive categories. In 2000, this category consumed about 9% of the total child-rearing cost, around $15,000 over the course of 17 years. Costs included daycare, preschool, babysitters, and after-school care. While public school education was technically free, fees for field trips, supplies, extracurriculars, and tutoring added up. These expenses laid the foundation for a trend that only escalated in the years that followed.

5. Healthcare Was a Growing Concern

Although healthcare costs weren’t as high in 2000 as they are today, they were already rising steadily. Families spent roughly $8,500 on healthcare per child between birth and age 17. That number included insurance premiums, copays, prescriptions, dental visits, and vision care. Preventive care, well-child checkups, and vaccinations were essential—and often expensive. Even families with decent insurance found themselves navigating bills and coverage limitations that tested their budgets.

6. Clothing Was Surprisingly Manageable

Compared to other categories, clothing made up a smaller slice of the pie—about 6% of total child-raising costs. On average, families spent around $500 to $600 per year per child on shoes, school clothes, outerwear, and accessories. This was before the fast fashion boom and social media trends, so seasonal wardrobes were a little less influenced by “what’s in.” Hand-me-downs and department store sales helped many parents stretch their clothing dollars. Still, kids grew fast, and it was hard to avoid the occasional size surprise midseason.

7. Transportation Was a Hidden Cost for Many Families

From minivans to increased gas use, transportation costs added a surprising amount to the overall total. This category made up about 15% of the total cost of raising a child in 2000. Whether it was buying a bigger vehicle, adding car seats, or driving to and from school, sports, or doctor appointments, the cost of being a kid on the go was significant. Suburban and rural families felt the pinch even more due to greater reliance on personal vehicles. It was one of those expenses that didn’t always get attention, but definitely hit the wallet.

8. Miscellaneous Costs Add Up Fast

The “miscellaneous” category in the USDA report included things like personal care items, toys, entertainment, and extracurriculars. In 2000, families spent roughly $11,000 over 17 years on these catch-all expenses. From birthday parties to haircuts to sports equipment, it’s often the little things that pile up the fastest. Even small monthly spending, like weekend movies or a new video game, added up over time. It’s a reminder that raising a child isn’t just about needs—it’s about giving them a full, well-rounded childhood.

Looking Back to Understand the Costs Ahead

While the year 2000 feels like a simpler time, raising a child was anything but cheap. The core categories—housing, food, childcare, and healthcare—still dominate parenting budgets today. But by looking at historical costs, we can better appreciate just how quickly financial demands evolve. Whether you’re budgeting for your child now or reflecting on what your own parents spent, it’s clear that investing in kids has always been a serious financial commitment. And understanding those past numbers helps us prepare for the future with clearer eyes and wiser wallets.

Were you raising kids in the year 2000? What surprised you most about the costs back then? Share your memories and money-saving tips in the comments!

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Can You Afford to Have Kids in 2025? Here’s What It Really Costs Per Year

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cost of raising a child
Image Source: Unsplash

There’s no denying it—raising kids today is expensive, and all signs point to it getting even pricier in 2025.

For families considering expanding—or for new parents staring down a mountain of baby gear and daycare brochures—it’s worth asking the tough question:

Can you actually afford to have kids right now?

Parenting has always involved emotional, physical, and financial investment, but fresh data suggests the economic side is skyrocketing faster than most of us anticipated. Thankfully, it’s not all doom and gloom. When you understand the real numbers and what’s driving them, you can make confident choices for your family.

What’s the Price Tag on Raising a Child in 2025?

Recent figures indicate that the yearly cost of raising a young child has soared by nearly 36% since 2023, landing at around $30,000 per year.

By the time your child turns 18, you could be looking at a total of around $300,000—or even more, depending on your region. High-cost states like California or New York push that total higher, potentially exceeding $360,000. And keep in mind, these numbers don’t cover college tuition. While it might feel overwhelming, breaking down where that money goes can help you navigate these costs in smaller, more manageable parts.

Crunching the National Averages

Americans can now expect to spend over $300,000 raising a child from birth to 17, excluding higher education costs.

That figure—though enormous—reflects housing, food, childcare, healthcare, and transportation expenses. Of course, lifestyle choices dramatically affect your bottom line—private schools, organic groceries, and frequent travel all add up.

On the bright side, being mindful about spending can ease that $300,000 load, whether that means leveraging secondhand gear or finding local family resources.

Housing: The Largest Piece of the Pie

Housing typically accounts for 29% to 32% of overall child-rearing costs. Adding a child often entails moving to a bigger space or a neighborhood with better schools, which drives up monthly expenses.

In pricier states like Hawaii or California, even one child can significantly impact your budget. Meanwhile, families in more affordable regions can stretch their dollars further and secure a safe, spacious environment without the same strain. Where you live can drastically affect both your day-to-day spending and long-term financial planning.

Childcare: A Growing Challenge for Parents

Childcare remains among the fastest-escalating costs for families, with some seeing price hikes of over 50% in just two years. In places like Massachusetts or Hawaii, childcare can eat up a third of the household’s income. No wonder many parents weigh whether returning to work is worth it if daycare consumes most of a paycheck. Some parents lean on grandparents or join parent-led co-ops to share care responsibilities affordably. If you want to compare childcare options in your area, ChildCare.gov resources on the cost of childcare can help you plan effectively.

Your ZIP Code Matters—a Lot

Location influences how far your dollars stretch. In a high-cost city like San Francisco, raising a child may cost you more than $35,000 a year; in Memphis, it could be under $18,000. That’s nearly twice the expense just based on geography. Families in rural or suburban regions often benefit from cheaper housing, healthcare, and childcare, leaving them more budget for savings or extracurriculars. If remote work is an option, relocating might dramatically improve your financial comfort.

Smart Strategies for Making It Work

Although the numbers are high, having children isn’t off the table for middle-income families. Many get by with conscientious budgeting, community support, or staggering large purchases over time. Setting aside even a small monthly amount can gradually build up funds for education or unexpected costs. Don’t forget about tax credits, employer-sponsored childcare benefits, and local networks that offer discounts or hand-me-downs. Not every purchase is essential—and often, the best things for kids aren’t purchased at all.

Real Talk: It’s Not Just About the Money

Yes, the hefty price tag might feel daunting, but deciding to have kids encompasses far more than just a financial spreadsheet. Emotional readiness, a supportive network, and your personal priorities weigh just as heavily in the equation. While there’s no denying money matters, countless families find joy and raise thriving kids on moderate incomes by focusing on what truly counts: love, structure, and community.

Taking Stock of What Truly Matters

Parenthood in 2025 means being transparent with your spouse, your budget, and your goals. While the cost of raising a child is higher than ever, knowledge and foresight allow you to navigate it more confidently. There isn’t a one-size-fits-all parenting cost—only a plan that best suits your lifestyle, location, and values. By being proactive, you ensure your finances align with the family life you envision, making space for both stability and cherished memories.

Have rising expenses changed your family planning or parenting approach? Share your thoughts in the comments—we’d love to hear how you’re balancing the books and the baby gear.

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10 Extracurriculars That Are Draining Your Wallet (But Totally Worth It)

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10 Extracurriculars That Are Draining Your Wallet (But Totally Worth It)
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Due to inflation and high demand, extracurricular activities for kids have become much more expensive in recent years. According to Yahoo Finance, 52% of parents say they spend more than $1,000 per year on their children’s hobbies. Sports like horseback riding and karate help kids burn off energy and develop self-confidence and discipline, so the expense is definitely worth it. Although these 10 extracurricular activities for kids will drain your wallet, you’ll love watching your child play or perform so much that you won’t mind! 

Horseback Riding 

Horseback riding
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According to the Louisiana Federal Credit Union, horseback riding costs an average of $2,000 to $5,000 per year. But speaking from personal experience, that estimate may be on the low side if you plan to buy your child a horse. Between lesson costs, farrier and vet visits, and boarding and competition fees, owning a horse costs at least ten thousand dollars per year. Ouch! 

However, if you can afford it, this hobby is a wonderful way to teach your kids responsibility and help them stay active. Students learn to care for their horses by picking out their feet, grooming them, and bathing them. English-style riding and dressage are difficult to master and require a great deal of discipline and physical exertion. Plus, riding and bonding with a horse is very therapeutic and can help your child cope with stress. 

Figure Skating 

Figure Skating
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Figure skating is one of the most expensive extracurricular activities for kids, especially if your child has dreams of competing on the national stage. Competing in the sport can cost upwards of $35,000 per year according to Money.com. Specialized, experienced coaches often charge $60 to $120 per hour for lessons. Skaters also have to pay for their practice time on the ice, competition fees, costumes, and choreography. Some skaters even cross-train as dancers to improve their technique. 

If you can afford these costs, figure skating can be an incredibly enriching endeavor for your child. It’s both an art and a sport, allowing kids to express themselves creatively while building self-confidence and physical ability. When your child steps out on the ice with confidence and flair, the financial outlay will definitely feel worth it!

Ice Hockey 

Hockey is one of the most expensive extracurricular activities for kids
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If you’re looking for cheap extracurricular activities for kids, unfortunately, ice hockey doesn’t fit the bill. If your child wants to play competitively, you’ll likely spend $2,500 per year or more on equipment, travel, lessons, and other costs. Player registration alone, (which is required to participate in competitions) costs over $600. Although ice hockey is a pricey activity, it will help teach your child how to cooperate with others and manage their time. Balancing competitions with homework will help your child learn to prioritize and work efficiently. 

Skiing or Snowboarding 

Skiing
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Skiing and snowboarding are popular options for winter extracurricular activities for kids, but did you know on average it will cost $2250 per season? Your child will likely outgrow equipment like skis and snow pants every other season. Lift tickets can also be pricey depending on your location. Some resorts have free tickets for kids under a certain age or offer early bird specials, helping families save money. You may also spend a lot of time and gas traveling to ski resorts unless you have a hill nearby. 

Fortunately, there are upsides to snowboarding and skiing. Your child will need fewer lessons than in most other activities, potentially just one or two a season. Plus, this sport is a great way to keep kids active after most summer and fall activities have ended. 

Karate

Karate is one of the most common extracurricular activities for kids
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Karate and similar martial arts are very popular options to keep kids active while teaching them self-control and personal strength. However, keep in mind that instruction costs can vary, ranging from just $50 per month to over $200 depending on the dojo. And if your child becomes interested in pursuing martial arts on a competitive level, private lessons and tournaments can quickly inflate your annual costs to $2,000. But the values that karate instills, such as respect and perseverance, are definitely worth the cost. 

Piano

Piano
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Piano is one of the most common extracurricular activities for kids, and for good reason. Learning to play the piano pushes our brain, and studies have shown that children who play music have higher IQs and improved performance in math and reading. Playing the piano is a skill that will stay with your child for life and is a very fun talent to show off. Before signing your child up for lessons, it’s important to understand the costs associated. 

Your child will likely need weekly lessons to progress, which can add up to $3000 per year or more. Your child will also need access to a piano to practice outside of lessons. An upright is usually best for serious young pianists but can cost upwards of $3,000 to $10,000 depending on the brand. Upright pianos also require regular maintenance and tuning, so don’t forget to factor piano servicing fees into your cost estimate. 

Golf

Golf
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Golf.com has done a great job breaking down the costs for a child to learn to golf and become competitive at it. If your child just wants to learn casually and can find an older set of clubs, you are likely looking at about $1,000 for the season. This cost estimate includes start-up costs, tee times, and a basic lesson or two. If your child becomes competitive and attends tournaments, the costs can skyrocket. 

From weekly lessons to equipment and travel, parents can be looking at a $20,000 bill per season. With all of that said golf is a great option when looking at extracurricular activities for kids. It gets your child outside and encourages sociability while being less dangerous than other contact sports like football. Learning to golf at a young age can even lead to fun summer jobs like being a caddy in high school. Plus, knowing how to golf can benefit your child’s career as it’s a common networking activity in the business world. 

Tennis

Tennise
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Tennis is a great option when looking at summertime extracurricular activities for kids. It keeps kids active and improves hand-eye coordination, balance, and agility. Depending on how seriously your child decides to pursue tennis, you may not need to pay for too many lessons either. If this is just a casual summer sport, a single season of weekend camps can be enough to solidify basic skills. 

If your child starts to pursue tennis competitively, expect costs to rise. Growing kids will need new tennis equipment and clothing more often than adults. Altogether, the cost of private lessons, tournaments, travel, and camps can add up to $1,100 or more each season. 

Dance 

Dance is one of the best extracurricular activities for kids
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Dance is one of the most popular extracurricular activities for kids, especially girls. It’s a fun way for kids to burn off energy, improve their physical fitness, and express their creativity. Similar to horseback riding, mastering different dance styles and learning routines requires dedication and practice, teaching your child the value of hard work. 

However, the benefits of dance come at a cost. On average, parents spend between $60 and $150 per month on lessons. You’ll also have to cover the cost of footwear, clothing, and competition fees. But luckily shopping at discount dancewear stores can help you save money. Some dance studios also host fundraisers to help offset the cost of competing.

Sailing 

Sailing is one of the most unique extracurricular activities for kids
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If you live near the water and have a local program offering sailing camps for children, you may be able to get away with paying under $200 for weekly lessons and races spanning most of the season. Compared to some other options on this list, that is a downright bargain. Unfortunately, as your child progresses and gets older, these lessons quickly increase in price. Learning on larger boats with more rigorous programs like American Sailing can start costing over $500 just for a day or two on the water. 

While your child can then potentially crew on other’s boats for races and similar events, this may spark a desire to buy a boat as an adult, which is prohibitively expensive. From docking and seasonal maintenance to repairs and recurring costs, owning a boat can cost $10,000 per year or more. However, the health benefits of sailing make this hobby worth it. Getting out on the water is a great way to reduce stress, build muscle and bone strength, promote heart health, and learn to collaborate well with other crew members.

Do you think the cost of extracurricular activities for kids is worth it? Share your thoughts in the comments.

What Is the Cost of Raising a Child in Alabama?

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Raising a child
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Raising a child is a significant financial commitment for any family. In Alabama, this cost varies based on factors such as location, lifestyle, and specific needs. Understanding these costs can help parents plan better and ensure they provide for their child’s future. This article explores the average expenses associated with raising a child in Alabama.

Child-Rearing Expenses in Alabama

The cost of raising a child in Alabama is influenced by various factors, including housing, food, education, and healthcare. Housing is typically one of the largest expenses, especially in urban areas where rent and property values are higher. Food costs are also significant, as families strive to provide nutritious meals for their children. Additionally, the cost of education, including tuition for private schools and extracurricular activities, can add up over the years.

Average Costs for Healthcare and Childcare

Healthcare is a crucial aspect of raising a child, and in Alabama, it can be a considerable expense. Families need to account for regular doctor visits, vaccinations, and any unexpected medical needs. Childcare is another significant cost, especially for working parents who require full-time care for their young children. Depending on the location and type of care, childcare expenses can vary widely across the state. It’s essential to plan for these costs as part of the overall budget for raising a child.

Education and Extracurricular Activity Costs

Education is a vital part of a child’s upbringing, and in Alabama, parents have various options, from public to private schooling. While public schools are generally more affordable, private school tuition can significantly increase the cost of raising a child. Extracurricular activities, such as sports, music lessons, and clubs, also contribute to the overall expenses. These activities are essential for a child’s development but require careful financial planning.

The Impact of Inflation and Rising Costs

Over the years, the cost of raising a child in Alabama has steadily increased due to inflation and other economic factors. The price of essentials such as food, clothing, and housing continues to rise, putting additional strain on family budgets. It’s important for parents to anticipate these increases and adjust their financial planning accordingly. By staying informed about these trends, families can better prepare for the financial demands of raising a child.

Planning for the Future

Raising a child in Alabama comes with its financial challenges, but careful planning can help mitigate these costs. Parents should consider setting up a savings plan early on to cover future expenses, such as college tuition or unexpected medical bills. Budgeting and prioritizing spending can also make a significant difference in managing the overall cost of raising a child. By being proactive, families can ensure they provide a secure and stable environment for their children.