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[quote=Anonymous]OP again, my mortgage is actually more like 30% take home after taxes, maxing retirement, healthcare, and our car payment (I forgot it automatically goes into a separate credit union account).  We barely take any deductions, so we'll be getting around 12k back on taxes this year, so this also lowers our take home pay. We have a 3 bedroom house, outside the beltway in NoVa, that is about 30-40 min. to both our jobs.  We stretched a bit to be in a good school district because that was really important to us.

I wasn't trying to stir a debate about my housing.  I truly just wanted helpful advice/perspective from other families in the area who make it work with a middle class income.

I love the ideas about toys off Craigslist, signing up for a babysitting sharing service, bulking up on diapers when they are on sale, etc.  Also, a lot of PPs have pointed out that weekend activities change once you have kids.  I imagine we'll be spending more time at home, ordering pizza, going to the park, etc. as opposed to going to concerts and trying new restaurants.  In-home daycare might be worth researching for us or perhaps daycare in the burbs will be cheaper than what my friends closer-in pay.

I'm glad to know there are others out there who make things work in order to have kids![/quote]

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