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[quote=Anonymous]OP look into childcare expenses, all the rest is fluff, we have a 180HHI and I am not complaining at all but right now with :
- a 15 months who didn't get a spot in daycare and is in nanny share intstead (11$ an hour, 2000$ a month) and
-  a 3 year old in day care (1450$ a month, the cheapest daycare accessible was 1000$, the most expensive around our streets 1800$, to give you a range).

We reach 3450$ And that's without the extra babysitting hours we end up regularly taking because we work long hours and have to commute 40 min (which is already very nice) as we wanted to limit our mortgage to max 2000$ (for a 1200sqft house close to metro in an area that enables us to send kids to public instead of private).

Again, not complaining, we save money, could def do with less and find solutions. But having a family implies major changes/choices. We are frugal, don't have cable, don't buy cars etc.. But looking at my mint account there are only 2 big expenses that take out most of my pie: mortgage and childcare. Sure you can buy in a less good school district, but you will quickly see that as a parent you don't want to risk too much for your children ...[/quote]

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