Friday, October 15, 2021

6 Questions To Ask Before Starting A Family


Thinking  about starting a family? Well, you should give it some serious thought before you go ahead. Having children will fundamentally change your life. Here are six questions to ask before starting a family. 

Can you afford child care? 

A child requires a lot of time, energy, and money. Before you think about starting a family, ask yourself if you can afford child care. You will have to pay for daycare or stay at home with the kids when your partner is at work.


When considering having children it's important to think about how this might affect your career. You could have to take a career break or change your job. Do you have the financial means? It's going to cost thousands of dollars a year just to keep a kid alive!


What about other expenses?

Are you thinking about buying a bigger house? Having children will change your life. When you have kids you need more space, what with all the equipment, etc. You might want to consider moving to another part of town or even the municipality. If you are thinking about selling your house then weigh up the pros and cons first. Is it too much of a hassle? 


Can our relationship survive parenthood? 

For some couples, having children is the best thing that could ever happen to them. However, an increasing number of couples find that parenthood is too much and they end up splitting up. This can be a huge financial and emotional burden. Do you both want children? If only one of the parents wants to have kids then it might not be worth going ahead.


Is your family protected?

Often, when people think about starting a family they don't think about their own personal protection. Ask yourself if you are covered by insurance in the event of something happening to you or your partner? Do you have life insurance? You should speak with a family law attorney just to lay things out on the table.


Can you take time off work?

If you are thinking about starting a family, then this will impact your income. What effect will it have? It might be worth looking into what your maternity leave options are before getting pregnant. If you work for yourself, then you might want to consider taking some time off work, even if it's just six months. Think about how much money you will need to cover your living expenses. If you are thinking about taking a career break, then what will be the effect on your career?


Do you have health insurance? 

Another important factor to consider is health insurance. You might not think of this when you are thinking about having children but your family will need medical coverage. Do you have any pre-existing conditions? If you do then you might want to get additional health insurance for the new baby. Maternity care costs can be very high, so it's important to think about this now.

Your baby needs vaccinations and check-ups throughout its childhood. Who is going to pay for the child's healthcare? You need to be prepared for any unexpected bills. You might also want to consider if your house or car insurance will cover you in the event that your baby gets injured at home or in a road accident.

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