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How We Plan To Financially Afford More Children

February 5, 2014 | Leave a Comment

pregnant and toddlerBefore I had any kids I thought I’d want a house full of kids. Three or four. Not necessarily because I want to be pregnant that many times or, if I’m being honest, spend that much money, but I want my kids to have each other when they get older. However, since having one child, I am surprisingly content. She’s a great kid who you’d think I’d be looking to clone ASAP but I’m not. As of right now, as our little one approaches 20 months, we have no immediate plans to extend our family.

However, if we can control it, we would like to have at least one more (in a few years). Sure we’re looking forward to having another baby but more than that, again, we want our daughter to have a sibling. Family is very important to us. Though I believe there is no real perfect time to have kids, there will always be something on your to-to list, you can still be more prepared than we were with our first.

We went into having our first sort of blindly. We had no idea how long, or if at all, we would take to get pregnant. It took a lot less than we ever expected which sort of threw us through a loop. We lived on a ”it will all work out” mantra and luckily for us, it did, barely. Come baby #2 we will be much, much more prepared.

 

Deal With Debt

Ideally we’re debt free by the time kiddo #2 is born, but if we’re not we will try to save enough extra money during the (ideal) nine month pregnancy to continue making our extra debt payments so my 12 month maternity leave doesn’t hinder our efforts. Unless someone has other plans for us, this is something we should be able to control. Having this sort of financial freedom will be liberating and allow me to have a stress-free mat leave.

 

Use What I Have

There will be huge monetary savings with kid #2 in the aspect that we don’t need any baby ”stuff” since we bought almost all gender neutral baby stuff (minus clothes). We chose to buy a lot of quality baby clothes which we kept so if we have another girl, there will be additional savings with cloths. If we have a boy, I’m confident we can sell the clothes we have to get a good start on a new wardrobe for a little man.

 

Be More Selective

I’ll be way more selective about what I buy. There was a lot of baby stuff and mom necessities I ran out and bought out of sheer ignorance and barely used most of it. Now that I know what I’ll want and need I will be able to better predict how much money we will really need. I’ll also utilize family and friends in the sense that if it’s an item I can borrow instead of buy, I will.

 

Diapers

I’ll try cloth diapering. I opted out of cloth diapers this child simply because I was scared and overwhelmed with the whole process. I have friends who have since started cloth diapering and I’ve done research myself and it doesn’t seem so overwhelming. For an upfront cost of approximately <$1000 I’ll definitely give it a shot. If it doesn’t work out I won’t worry since there is a large market for second-hand cloth diapers regaining a large portion of what I put into it.

 

Breastfeed Again

I was fortunate enough to be able to breastfeed our first for over a year. If I can do it again I would love to for the many benefits and huge cost savings!

How did you proceed with children after your first? Does it get any easier?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Money and Finances Tagged With: financially afford children, raise children, the cost of children

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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11 Ways Kids Are Outsmarting Parental Controls 1. Using Alternate Devices One common trick is simply turning to another device. If a child’s main phone or tablet is restricted, they may borrow a sibling’s, friend’s, or even a school laptop. This instantly gives them access to content outside of parental oversight. Parents often focus on one device, forgetting that others in the household can serve as loopholes. Knowing this tactic helps families tighten controls across all electronics. 2. Clearing Browsing Histories Many kids quickly learn that clearing browsing history hides evidence of restricted activity. With just a few clicks, they can erase any trace of websites visited. This makes it harder for parents to notice when rules are being broken. Parents may assume no history means no browsing, but the reality is often the opposite. Kids are outsmarting parental controls by making it seem like nothing happened at all. 3. Using Private Browsing Modes Most browsers offer “incognito” or private browsing features. Kids use this mode to access websites without leaving a record in the history. To parents checking later, everything looks clean and safe. This simple trick is often one of the first ways kids discover how to bypass restrictions. Conversations about private browsing can help close this gap. 4. Guessing or Resetting Passwords Children who are persistent may try to guess passwords to parental control apps or accounts. Others may find ways to reset them through email prompts or security questions. Once inside, they can disable restrictions entirely. Parents may not even realize controls have been altered until much later. Stronger, less predictable passwords can make this more difficult. 5. Using VPNs to Hide Activity Virtual private networks, or VPNs, let kids disguise their online locations. With one downloaded app, they can bypass geographic or parental restrictions. Some children learn about VPNs through friends or even social media. This makes it easy for them to reach content that should be blocked. Parents often underestimate just how simple it is for kids to use these tools. 6. Creating Fake Accounts When parents monitor social media, kids may create hidden accounts. These “finstas” or fake profiles allow them to interact freely without parental oversight. While their main account appears harmless, the secondary one tells a different story. Kids are outsmarting parental controls by playing both sides at once. Checking for duplicate accounts can help parents stay more aware. 7. Exploiting Time Zone Settings Some kids change the time zone on their devices to bypass screen time limits. This trick allows them to gain extra hours of usage undetected. Parents may assume controls are working, but in reality, the child is bending the clock. It’s a clever loophole that highlights just how resourceful kids can be. Monitoring device settings regularly can catch this tactic. 8. Disabling or Uninstalling Apps Parental control apps can be deleted or disabled with surprising ease. Some kids even reinstall them before a parent checks, making it seem like nothing changed. Others may simply restrict permissions to prevent apps from functioning properly. When apps aren’t monitored closely, parents may not notice they’ve been tampered with. This shows the importance of consistent follow-up. 9. Turning to Friends for Access If a child can’t get past restrictions on their own, they may rely on friends. Visiting a friend’s house or borrowing their phone can give them a free pass. Parents often forget that peer environments can override restrictions set at home. This kind of social workaround is especially common with gaming or social media. Open conversations about trust and responsibility are essential. 10. Hiding Apps in Plain Sight Kids sometimes download apps that look innocent but serve as gateways to hidden activity. These apps may disguise themselves as calculators or utilities. In reality, they allow file storage, private messaging, or browser access. Parents glancing at a home screen may overlook them entirely. Learning to recognize these disguised apps can help parents stay informed. 11. Outpacing Parents’ Tech Knowledge Finally, kids often know more about devices than their parents do. Whether through YouTube tutorials, TikTok hacks, or peer groups, they quickly learn advanced workarounds. This knowledge gap means controls can be bypassed before parents even realize the loophole exists. Staying informed and continually learning about new technology is the best defense. Kids are outsmarting parental controls because they adapt faster than most adults. The Real Solution Lies Beyond Restrictions While controls and filters are important, no system is perfect. Kids will always find creative ways around barriers, making communication the strongest safeguard. Setting clear expectations, building trust, and having ongoing conversations about online behavior matter more than apps alone. Parents who combine technology with open dialogue create a safer digital environment. The goal isn’t to win a battle of wits but to build a relationship that keeps kids both safe and honest. Do you think kids are outsmarting parental controls faster than parents can keep up? Share your experiences in the comments below. What to Read Next... 6 Parenting Tech Shortcuts That Can Expose Your Child to Strangers How Much Screen Time Is Too Much—Legally Speaking? Is Your Child’s School Quietly Tracking Their Location Without Your Consent? How Much Screen Time Is Quietly Reshaping Childhood Behavior? Why Some Parents Are Being Investigated Over Homeschooling Records

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