Back for a minute- sorry guys, not being deliberately absent; I don't mind a spirited debate. (Per above, we all learn.)
My "kids" are 30 and 28, and our oldest has his own family now. Details of budget-eating expenses will escape me, sorry. It's been a few years. I do remember what it's like to have more month than money, however, and not because I was a dumb consumer.
To give context, I cloth diapered and breast fed 30 years ago.
We had the first babies and the first grandbabies on either side of the family. Hand me down baby stuff was not falling from the sky onto us like manna. There were some venues for buying used clothing and goods but it was mostly yard sale hit or miss. I am happy that there are many, many more and more viable venues for used baby/kids' goods now. Our son and his wife are using them quite successfully.
I wasn't, am not, a "hobby shopper." To reference the MMM article that Bigato linked above (which, incidentally, was light on numbers as well) I was not strolling down the aisles at Target looking for something cute to buy for my baby.
We were young, we were actually not too long out of college, we were both working, and we had not had a chance to accumulate a nest egg when our kids were born 22 months apart. (We are poster children for the fact that even conscientiously applied birth control can fail. In our case, that was OK. We were happy to start our family young albeit it was somewhat financially challenging.)
We did take a child care expense hit to the budget. That's huge and if you can avoid it, good for you.
Otherwise, expenses were as follows:
Clothing, even cloth diapering when laundered at home, will be an ongoing expense. I don't know what the current thinking is, but I pre-soaked my cloth diapers and washed them in hot water, so that's an expense. Clothing doesn't have to be a huge expense, but it will be ongoing. You'd like to think that you will raise children who are immune to the fashion bullies and to a great extent, you can do so. We did. It is somewhat of a challenge but it can be managed- not without some frustration, however. I encourage you to do so but be prepared for some tearing of hair and gnashing of teeth. And be prepared for that to begin much, much earlier than adolescence. I don't know how or why elementary school children are so consumer products/advertising driven but they were, even 25 years ago. You'll be surprised. Teaching children that they can survive without designer tags is a great lesson that will carry them well through life.
All bets are off when your male children grow into adult sized shoes and grow out of them faster than they can wear them out. That expense was, at times, mind blowing- and we aren't talking about trendy footwear here- we're talking about basic no name tennis shoes and a pair of not tennis shoes from any discount shoe retailer.
"Free public education" is far from it. You'll find out. Fees and fees and fees and some more fees and supplies and field trips and fees. If you home school, your tax dollars will not subsidize your child's education, and you will still have to supply the curriculum and materials. (There may be some tax breaks/rebates for home schoolers, I don't know.)
Medical costs, even with insurance, just for pedestrian illnesses, can sink a monthly budget. The average first grader gets 10 upper respiratory infections per year. That's an average. On a particularly bad year, the number can go higher. Now space two kids 22 months apart. At one point I was on the phone with my pediatrician, in tears, because as soon as one kid got over an ear infection with a fever, the other kid came down with one. I don't think we got clear of ear infections all year that year. The pediatrician pulled my kids' charts and counted up the number of URI's and ear infections we'd had to date as of that teary phone call. We'd not yet hit 20 visits to the pediatrician since the fall began, so we were still below the average number. My boss wasn't particularly receptive to that fact.
Ear infections *hurt.* An ear infection with a fever needs to be seen and treated. I hear you when you say that you won't take your kid to the dr. except in cases of serious illness. There's a big gray area between pedestrian illnesses and viruses that simply need the tincture of time and perhaps some OTC meds, and serious illnesses that obviously need intervention. In that gray area lies the common childhood illnesses that used to kill children, much to our modern horror, as well as the simple medical interventions we enjoy today. Make no mistake- routine illnesses can and do still kill children. Drainage from an ear infection can turn into bronchitis can turn into pneumonia in a baby or a child quicker than you think. You'll be at the pediatrician's office more often than you can imagine.
However- every trip to the dr. is a co-pay or a deductible. Every prescription costs something out of pocket. (Bonus round if you have high deductible/catastrophic type illness policies.) Day cares and schools typically won't take/keep children who are running a fever (and really, if the kid is sick enough that he has a fever, he feels lousy, he needs to be at home.) So there's a day of work that *somebody* is going to miss- mom or dad- unless there is one full-time stay at home parent. (Again, if you can do that, peace.)
Both of our kids had to have surgery to correct basic anatomical issues with their ears and throats. These are structural issues that seem to run on my husband's side of the family. So there's the co-pay for hospital and surgical costs, anesthesia costs, etc.
Both of our kids had inguinal hernias as children- my side of the family. Again, surgical and hospital co-pays.
And these are the "happy correctable" ailments that a lot of families would be thrilled to have as opposed to the health issues with which they must cope.
Bonus round prescription glasses- the child's head is growing, ergo the eyes are growing and changing shape- so vision changes quickly. Prescriptions change quickly. Glasses need to be replaced often. And that's without the kid stepping on them or sitting on them or losing them.
Bonus round orthodontics- our youngest son inherited my overcrowding issues, which my parents chose not to treat in me. I had to have that overcrowding addressed/fixed both surgically and with orthodontics while I was putting myself through college a decade later. (Yeah. I paid for that.) Waiting that decade to treat the problem meant that I lost teeth. I am 54 years old and while I have a beautiful smile, I am still and I will continue to deal with the residual effects of the choice to not pursue orthodontics during the window when my mouth and my skull were malleable and growing. Orthodontic treatment is not all about cosmetics. When I saw that my child had inherited the same mouth, we listened when the dentist referred us to the orthodontist. That child had two rounds of orthodontic treatment, with the first round beginning at 8 years old, the second round beginning at age 12? I think? 13?
Set aside a budget line item for retainers. You'll buy plenty. No matter how much you scream and threaten to glue that retainer to his teeth, the kid will still lose the retainer- and what are you going to do? Let the teeth you just paid thousands of dollars to move drift out of place again? No, you will buy another retainer. Telling your 9 year old to get a job to pay for another retainer doesn't work so well. Yes, you can give your kid "chores" to "help pay for the next retainer" and that may or may not keep him from throwing the next retainer in the trash can with his milk carton at lunch, but it certainly won't bring any more money into your budget.
So limiting sweets and encouraging brushing and flossing will not eliminate nor even mitigate the need for interventional dental care- and dental insurance, typically, is not as comprehensive as medical insurance. (Neither is vision insurance, while we are on that topic.)
Also factor in active kids and ER visits. We were fortunate- our pediatrician happily stitched up our boys in his office, thus saving us the added expense of the ER. Sometimes you can't avoid the ER, however. You just gotta go. Also, pediatricians typically don't treat broken bones. You'll be at the orthopedists for that.
And you'll be at the ENT dr. for ear tubes/ear surgeries.
And at the pediatric surgeon's office for inguinal hernias.
And at the optometrist/opthamologist/optician's office for glasses.
Allergies complicate the stew. Seasonal/pollen allergies are common, and complicate what should be a simple cold. Now it's a cold that won't clear up. HEY! I KNOW! ADD ASTHMA TO THE MIX! Now you are putting an elementary school kid through a series of allergy tests, trying to sort out asthma (which he will hopefully grow out of) from seasonal/pollen/dander/dust allergies. Cue allergy dr. Add a nebulizer and those meds to the mix. Plan on sleeping on the floor next to your child every spring and fall for a number of years so that you will be right there to listen to his breathing, just in case the nebulizer delivered meds aren't taking care of it tonight. If not, you're on your way to the ER for a stronger treatment and perhaps an epinephrine shot. There's another bill.
Speaking of unexpected expenses, HAVE LARGE LARGE FUN WITH YOUR FIRST EXPERIENCE WITH HEAD LICE. You'll need some OTC medication to get rid of the lice. You may need more than one round of more than one type of medication, because lice have become resistant. Your utility bills will spike that month because you will wash everything you own in hot water and bake it in the dryer. Here's hoping that you get rid of the lice in one fell swoop. Here's hoping that all of your child's classmates get rid of the lice all at once as well- OR YOU'RE TREATING FOR LICE AGAIN. Have fun with that!
Lessee, what else?
We haven't even gotten to the "enrichments" category that everyone loves to nail as "consumer driven." Sports, extracurricular activities, pets, etc.
Swim team was a great physical exercise for our son with pediatric/exertional asthma, and both kids enjoyed it. Cue swim suits, goggles, fees, championship fees, and 100 years of your life sitting beside a pool somewhere. Also gas money to drive to pools within a 25 mile radius at least a couple of times a week.
Ditto soccer, football, ballet, whatever.
Yes, parents over-schedule/over-stimulate/over-indulge their kids.
It's probably a good thing, however, in the name of basic socialization, for your kid to have access to some sort of extracurricular involvement, group activity, team sport, etc. Your cost will vary but it will exist.
Kid is having some problem academically? Cue tutoring. You can do it- you can try- we did. We didn't avail ourselves of the corporate tutoring services, and although I can't remember for absolutely sure, I don't think we hired a private tutor for either kid. (Both kids did well academically.) But for those occasional academic challenges, you may find yourself shelling out even more money for your "free public education." One of our kids struggled with either geometry. He almost failed that course that year. He took it again in summer school and got an A. (Go figure.) Summer school, as I recall, wasn't free. And then there were the logistics of summer school- nothing is free. If you are going out of the routine to accommodate a change, rest assured it's going to cost you something- transportation, etc.
Food- not a huge expense when the child is very young but you will be surprised at the amount of calories your kids will consume- looooong before adolescence. Looooong before then.
Notice that we've barely made it to middle school here? We aren't talking about high school. We aren't talking about driving. We aren't talking about the hit to your car insurance when teenagers start driving. We aren't talking about battling high school level peer pressure. We aren't talking about the cost of high school level extra-curricular activities. We sure aren't talking about college. We've barely made it out of elementary school.
Also notice that we are covering very pedestrian topics. There is no catastrophe here- this is every day life.
And that is a less than comprehensive list of the things that occur to me off of the top of my head, years after the fact.
