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[quote=Anonymous]If you want to have kids then start trying.  Once you've had your first child, you'll realize that you need to take a close look at your monthly spending.  You should already have a monthly budget but I know a lot of people don't so that would be a good time to draw up a budget (if not before the baby is here).  You should see quite a few things you can cut out.

You will have to live a less expensive life than you have now.  You can't go out as much and buying big ticket items may have to be deferred.  We need to replace some of our furniture but can't afford it right now because we have kids and we're using our extra money to pay off debt.  Our car (we have one) is also 13 years old with 185k miles on it.  It still runs but if it starts to have problems we will replace it, right now we have liability only insurance which alone saves a lot of money every year.  We would both like new furniture, a new car, and to do some work on the house but we just can't do it right now.  Once we pay off the debt we can start looking at what to do with the monthly money we were spending on payments.  We're hoping to get another 2-4  years out of the car because no payment and low insurance cost greatly increases cash flow.

Long story short, you have to make sacrifices, plan things out in advance, and spend less on frivolous things (although you still have to be able to enjoy yourself some).[/quote]

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