How much does it cost to have a baby? Can you afford it now?

When I was my second child, I was hospitalized for more than a month due to some special circumstances. The total amount of flowers is more than 60,000.

I believe that raising children is to do what you can, not to compare.

Now the cost of having a child and raising a child is very high, I only have one child, and I feel that I am already very tired of raising a child, and I have to spend money on all aspects.

It does cost a lot to have a child, and if we want to have a child here, we must prepare at least more than 10,000 yuan.

It is normal to have a girl and have one more person to eat and wear, and to have a boy is to have a person's food, clothing, and entertainment, as well as a house and a car.

The cost of having a child includes the money for a confinement nanny, you need to have a stable family, and you need to have a stable income, you need to buy milk powder for your child, you need to buy nutrition for your wife to recover her wounds, and then there are a lot of similar costs, and now there is no formal job, so I can't afford it.

The cost of thirty or forty thousand, because of the money for giving birth to a child, plus the milk powder money for the child after birth, I can still afford it now.

It costs about 10,000 yuan to have a baby, but raising a child costs a lot of money. I can only afford one child now, and I can't afford to raise a second child, so I don't plan to have a second child in the near future.

The cost of having a child is already very high, but the cost of raising a child is even higher, according to expert statistics, it costs at least more than 400,000 yuan to raise a child to adulthood.

When I gave birth in 2009, I spent thousands of dollars in the hospital, and I was breastfeeding, and milk powder didn't cost much. Now I really can't afford it, the boy marries a daughter-in-law, and he can't afford the building, car, and bride price.

At the very least, it costs hundreds of thousands of dollars to save money for all kinds of baby supplies and cram school expenses after the child is born. At present, I can only afford one.

The process from conceiving a child to a caesarean section costs about 30,000 yuan, and a normal birth costs about 20,000 yuan, and now I can't afford it.

Giving birth to a child requires a lot of costs, and I have to hand it over to the doctor when I am in the hospital, and I have to buy all kinds of snacks for the child in the future, which I can't afford.

It costs 100,000 yuan to have a baby, but raising a child will cost decades to come. I can't afford to raise a child right now.

The state is vigorously encouraging people to actively have children, and the liberalization of the two-child policy or even the three-child policy still cannot solve the problem of imbalance in population proportion. Among them, the reason for China's low fertility rate is not that people don't want to have children, but that people dare not give birth. Not only housing loans, car loans, but also other expenses such as supporting parents, children's living expenses, education expenses, etc.

These layers of pressure have to make young people reduce their fertility and expenditure.

Nowadays, with the improvement of living conditions, people pay more and more attention to the raising conditions of children, the quality of material life has improved, and the expenditure on education has also been greatly improved. The reasons why it is expensive to raise a child these days are as follows:

First, the price level has increased

With the country's economic development, from the perspective of recent decades, prices have risen greatly, and everyone can feel the same. Especially children's daily necessities, such as milk powder, diapers, baby toys, children's clothing and other expenses, this is a large amount of expenses, there is no strong economic foundation, if you want to give your child a better life, many people are still afraid of childbirth.

2. Children's education expenses.

Although the country has now achieved nine years of compulsory education, some areas have even begun to implement 12 years of compulsory education. To a certain extent, the cost of education expenditure has been alleviated. However, in order not to let their children lose at the starting line, parents have enrolled their children in various cram schools and interest classes since they were young.

These expenses are not low, and the cost of a child may account for the vast majority of the total cost of the family, which makes many young families dare not have children easily.

Sometimes parents pay too much attention to their children's education, which is not necessarily conducive to their children's development. Everything must be controlled between the marginal effects, and letting children attend various cram schools from an early age will increase the burden on children, which is not conducive to the healthy growth of children.

Because people nowadays pay great attention to their children's education, and the current prices are relatively expensive, children have to go to various cram schools, and parents also want to give their children the best things, so the cost is also very high.

This is because it takes a lot of time and energy to raise a child now, and it also needs to enroll the child in a lot of tutoring classes, so the cost has become higher.

Because the cost of living itself is very high now, and children need to be educated, and it is also a lot of money.

Having a child also costs money, and everyone knows that the cost of taking care of a child is very high, so many parents are reluctant to have children nowadays because everyone knows that it costs a lot of money to raise a child. If you want to have a child, then the cost of raising a child is also relatively high, it doesn't cost a lot to have a child, it costs more than 1,000 yuan to have a child, if you live in a good hospital, then you spend two or three thousand yuan is enough.

These are all issues that need to be taken seriously, because everyone also wants their children to become better. But we need to do a lot of work, because the characteristics of each child are also different, pregnant women must eat more nutritious food when they are pregnant, and pregnant women should prepare in advance. If you go to the hospital to give birth, then you must choose some more famous hospitals, so that you can provide a better environment for pregnant women, and you need to spend about 2,000 yuan.

If you just choose some more ordinary hospitals, then at this time you spend 1000 yuan or 2000 yuan is completely enough, but if you choose some noble hospitals, then you need to spend more money at this time, because some pregnant women themselves are in better condition, so at this time you can choose those more famous hospitals, at this time you may need to spend tens of thousands of dollars. However, I think it still needs to be analyzed according to everyone's situation, because everyone's family situation is different.

If the family situation is better, then you can choose some better hospitals, but if the family conditions are more average, you can choose a general hospital at this time. In fact, I think that the hospital is the same, so pregnant women must also relax their mentality at this time.

It costs about 5000 to 15,000 to have a babyBecause each person's production situation is different, the production method is not different, so the cost of having a child is different.

It costs about 230,000 yuan to have a child, that is, if there is no medical insurance, it is about 15,000 if there is medical insurance, and the situation is different in each place, which is about the case in second-tier cities.

The cost of having a child and raising a child from a young age to an adult or oak varies depending on personal circumstances, geography, education level, and other factors, so it is difficult to give an accurate figure. However, some of the fees listed below can be used as a reference:

Prenatal examination costs: The cost of prenatal examination varies from region to region, hospital and other factors, generally around 5,000-10,000 yuan.

Childbirth costs: Childbirth costs vary depending on the region, hospital and other factors, and generally range from 10,000 to 20,000 yuan.

Newborn care costs: including diapers, milk powder, strollers, cradles, clothes, etc., about 30,000-50,000 yuan.

Preschool fees: Fees for kindergartens and nurseries are included, but vary depending on the region.

Primary and secondary education expenses: including tuition, books, school uniforms and other expenses, it is estimated that about 50,000 yuan per year.

University education expenses: including tuition, accommodation, books and other expenses, it is estimated that it will cost 2-100,000 yuan per year, such as depending on the school, major and other factors.

Medical expenses: including the cost of vaccination, medical treatment, etc., the specific cost varies depending on the individual's situation.

In short, raising a child takes a lot of time, energy, and money. The specific cost will also vary depending on the family situation, location, education level and other factors, so it is recommended to prepare sufficient funds to cope with various possible expenses.

14 years, six months to see red, the hospital said that in medicine is a miscarriage, it is recommended to induce labor, I am not willing to let the child have a fetal movement, then protect the fetus, lie down for half a month, in the evening suddenly the amniotic water broke, go to the county hospital, the county hospital does not accept to the provincial hospital, it is recommended to protect the fetus has not yet arrived at the door of the ward contractions began, even the pain to give birth to 20 minutes of premature birth I bleeding, in-laws in the northeast, my mother just finished the operation on the third day, my husband and I took 10,000 yuan and the hospital on paper, the child was born prematurely on the incubator, and lived for 40 days, It took 80,000 yuan before and after, and the child found myasthenia gravis in two and a half weeks, and it took less than 20,000 yuan in a week from the onset of the disease to the diagnosis, and then it began to be a long **. I don't know how much it is, as long as I have money, I will show it to the child, and then drink Chinese medicine to recuperate, drink Chinese medicine for two years a day and a pair of medicines, the child is now six and a half weeks old, in elementary school, and has not been sick at present, which is why I don't want a second child, a house of money is gone, no matter what, the child is now healthy, and it can be regarded as bitter and sweet.

The daughter-in-law spent less than 500 to give birth to a child in 12 years, and she spent more than 700 to give birth to a daughter in 16 years, which is the money spent in the hospital.

A few thousand yuan for prenatal examination, the social security report has paid more than 1,000 yuan, and by the way, 3,000 has been refunded 1,800, and the social security subsidy is 17,000, and the maternity allowance and nutrition fee are 2,700I didn't spend and turned [covering my face] [covering my face] [covering my face].

In July this year, the caesarean section cost more than 9,000, and the reimbursement was 2,500 [nose picking], which was smooth for me, the baby and adults were healthy, and the prenatal examination did not cost much.

The prenatal examination cost five or six thousand, and there was no need to check, such as the color ultrasound three months ago, which was not done once, as long as there was no bleeding, and the stomach hurt badly, you can rule out ectopic pregnancy, from the first color ultrasound in three months, that is, NT, it took about two thousand to set up the file, and the sixteen weeks of Down's screening and systematic examination took about six hundred, and after sixteen weeks, I did an ordinary examination, and I made an appointment for four-dimensional color ultrasound and heart color ultrasound, plus systematic examination, and it took about seven or eight hundred, and I did four-dimensional glucose tolerance after doing it, plus systematic examination, about three hundred, Thirty-four weeks did a fetal heart rate monitoring, system examination, spent about two hundred, I asked to do color ultrasound to see the size of the child, the doctor said thirty-six weeks to do it again, do not give a bill, the result of thirty-six weeks to see red, born, hospitalized for two and a half days, because it was at night, born in the morning, hospitalized for two days, the hospital is too messy, the rest is not good, I directly asked to be discharged, spent three thousand eight, reimbursement of one thousand, calculate, the second child prenatal examination plus production cost about 10,000.

Fertility costs. Because each family is different, it is roughly classified into three grades: basic, high-end, and luxury.

The basic type is prenatal examination plus childbirth, which is taken care of by the family, and it is conservatively estimated that it takes more than 30,000 yuan;

The advanced type is prenatal examination plus giving birth, and asking a confinement lady to take care of it in the confinement center, which is conservatively estimated to require more than 60,000 yuan;

The luxury type is that all of the above choose private hospitals to provide specialized services, and the cost is very large, and it is conservatively estimated that more than 100,000 yuan cannot be stopped.

The cost of education. Now pay attention to not let children lose at the starting line, in addition to living expenses, early education has become the first big money that parents spend for their children. In the experience of my friends, the cost of early childhood education is 10,000-20,000 yuan a year.

When the child is older, the cost of schooling plus various training courses is estimated to cost more than one million until the child goes to college.

Supporting costs. School district housing is the most important part of the cost of raising children. But today's housing prices have left many families with mortgages, let alone school district housing, even for ordinary houses.

**。Many people imagine having three children, but the imagination is beautiful, and the reality is skinny.

As netizens discussed: it is not enough to encourage childbearing. Of course, at this Politburo meeting, it was also proposed that in order to further optimize the birth policy, the policy that a couple can have three children and supporting measures should be implemented.

**。**。

If I choose to have three children, what should I do?

**。The family emergency reserve should be increased.

For the average family, according to their usual consumption, the monthly expenditure of the family for 3-6 months is enough to cope with the unexpected expenses of the family.

However, for families with two to three children, the emergency reserve should be increased to 12-24 months to improve overall liquidity.

The insurance of the "pillars" has to keep up.

After having three children, it means that the financial burden and responsibility of parents to raise their children are further increased, and if either parent unfortunately has a serious illness or accident, it means that the child's future growth and education will inevitably encounter great risks.

The first thing to be insured should be the most important party of the family economy, and if conditions permit, the difference can be configured with some insurance products for the other party.

Wealth management products have become a basic rigid need.

Considering that as the child grows older, the cost of long-term life and education or childcare will also increase, in addition to working hard to earn income, investing and managing money can help to obtain additional income.

For the financial management of three-child families, such as quasi-fixed income, bond investment, and regular investment should be regarded as mandatory basic funds. For example, quasi-fixed income products have a variety of advantages such as anti-inflation, long-term compound interest, and forced savings, which can not only spread the cost, but also enjoy the benefits under long-term persistence.

In addition, financial products such as bank fixed deposits, children's education insurance, etc. can also be allocated according to the specific situation of their families.

It is not easy to have a child, it is even more difficult to raise a child, and the high cost of raising children makes us have to consider it carefully. As a parent, whether you want to have three children or not, you must take precautions, don't be a "child slave", and start with a family financial plan!