The Real Cost Of Raising A Child

Eloise is getting braces on July 24th. This expense has taken me by surprise. Kind of like the expense of raising children at all. Like who knew how much you would spend on other kid’s birthday presents or that you’d have to donate blood to afford piano lessons.  I mean you’ve seen the latest report, but I think parents should be informed of these expenses upon hospital check-out. You know, so we don’t have a heart-attack nine years later.

(Thank you Mom and Dad for my braces in 1981 – Now I know your financial pain. Totally worth it though right?)

*******

Dear Ms. Morrison and Mr. Duncan,

 

We hope you enjoy your new daughter. It was our pleasure serving you in our hospital. Before you leave make sure you make your full payment of $20,000 for our services of your c-section birth as well as nursing and doctor time billed for your three day stay. It’s been such a joy having you here.

 

We’d also like to leave you with an itemized bill of future expenditures to get your child to the age of 18 in case you’d like us to put you on a payment plan now or you could just pay all of this upfront avoiding any possible inflation charges.

-diapers and wipes $5000

-food $30,000

-nursery set-up plus at least four bedroom remodels before college $4000

-daycare and preschool $40,000

-250 birthday parties attended for friends x $20 a present = $5000

- orthodontia $7000

-Horse camp and other Summer camps to keep up with the Joneses $20,000

-books and school supplies $10,000

-Piano $1200

-Piano lessons $13,000

-Dance classes $14,000

- Dance costumes $1500

-American Girl dolls and accessories $800

-6th grade trip to France $3000

- clothing $20,000

-health insurance premiums $20,000

-broken arm $4000(high deductible insurance)

-dental cleanings(no insurance) $3200

- glasses and eye appointments $3000

- birthday parties hosted $4000

-Taylor Swift concert tickets $400

-Minivan to fit the family $26,000

-Incremental cost to move to a larger house to fit the family divided by 3 kids $40,000

-pool passes $1500

This bill of $276,600 does not take into consideration any educational expenses you will incur if you choose to send your child to private school or if you like take them to Disney World and YOU KNOW YOU WILL.  We are also making the assumption that once she receives her drivers license she will be required to pay for the car, gas and insurance. If you choose to pay for this please add $30,000 to this total or tell your child to get a job.

 

Sincerely,

Your empty wallet

 

P.S. We’ll see you in just two shorts years for baby #2! You had better start saving now!

*******

On a totally related note – I will blog for braces! xoxo

About Tracy


My name is Tracy Morrison and I live in sunny Minnesota. I'm neither British nor a nun - I'm just a Midwesterner with a headache. This is mainly a humor and lifestyle blog that documents the lighter side of parenting. I am an ex-corporate ladder climber turned freelance writer, social media manager, and fashion expert - and ruler of my own little universe(very small). Aren't we all. I would love for you to contact me at tracy@sellabitmum.com

44 Responses to The Real Cost Of Raising A Child
  1. lena
    June 17, 2012 | 9:35 pm

    The hospital bill for my son’s birth alone was nearly $200,000! Too bad there isn’t just a premium for children and after you reach it, they’re free or just a co-pay. Yikes.

    • admin
      June 18, 2012 | 5:52 am

      Yikes – $200,000. :( Oh I like the co-pay idea!!

  2. Melanie H.
    June 17, 2012 | 9:37 pm

    I think you pretty much nailed it, kids are expensive, no joke! But if hospitals actually sent this letter home with new parents, they would probably be re-admitting half of the dads with heart palpitations! Perhaps that early parenting ignorance really is bliss…

    • admin
      June 18, 2012 | 5:52 am

      I know – besides diapers I really don’t remember thinking about the costs at all.

  3. Alex@LateEnough
    June 17, 2012 | 9:41 pm

    My mom always joked we bought our orthodontist his pool. I’m impressed she kept her sense of humor instead of sending us over there to swim.
    Alex@LateEnough recently posted..A Letter From A Christian Mom Of A Gay Daughter To Her Conservative Christian Pastor and Thoughts From Her Daughter

    • admin
      June 18, 2012 | 5:53 am

      HA! Yes all 3 of my girls will need braces so when we go in for the appointment next month maybe we should bring over a car brochure and just ask her to pick one out.

  4. Alison@Mama Wants This
    June 17, 2012 | 9:43 pm

    6th grade trip to France???? Can I be your child?

    Oh wait, I’m WAY past 6th grade.

    And you want me to have a third child??? I thought you love me.
    Alison@Mama Wants This recently posted..Of Courage and Things I’m Afraid To Tell You

    • admin
      June 18, 2012 | 9:39 am

      But I HAVE to take her to France because ALL the other kids ARE GOING. right?

  5. darcie
    June 17, 2012 | 9:51 pm

    oh…we are totally in this braces camp too.
    Bugger…

    Better now than later right?
    Yikes, I’m totally dreading the bill. They’ll prolly go up another 50%.
    darcie recently posted..Mott’s Medleys Fruit Flavored Snacks – A Give Away!

    • admin
      June 18, 2012 | 9:40 am

      Braces are kind of like buying a car now. Instead of just telling you $7000 total they say “and for only $125 a month over 5 years YOU can have a child with straight teeth!”

  6. Christine @ Love, Life, Surf
    June 17, 2012 | 11:43 pm

    I will now have nightmares as I try to sleep. My kids will totally need braces. Yes, a warning sign or something would have been nice.
    Christine @ Love, Life, Surf recently posted..Preschool Graduate

  7. Tracie
    June 18, 2012 | 1:25 am

    I would like to blog for braces, too, please. Because it is quickly becoming apparent in my house that my daughter needs them. ugh.
    Tracie recently posted..Things I’m Afraid To Tell You

  8. Ginny
    June 18, 2012 | 4:41 am

    I always loved that picture of you:) If they gave us projected costs I think people would leave the children at the hospital!! You forgot to mention additional car insurance for the car they will want…. You’ll make it through all of this. The part about the job is such a good idea:)

    • admin
      June 18, 2012 | 9:33 pm

      Thank you again for the braces! xoxo

  9. Mark
    June 18, 2012 | 5:14 am

    I suddenly feel sick. And poor!
    m.
    Mark recently posted.."Emotion that’s taking me over"

    • admin
      June 18, 2012 | 9:34 pm

      Yet somehow I would still have 3 more kids. Weird.

  10. mia
    June 18, 2012 | 7:20 am

    You forgot the money for therapy for mom along with meds to survive teen years….which btw start around age 10. :-D

    • admin
      June 18, 2012 | 9:43 am

      Oh gosh, therapy for sure. For all of us.

  11. Jessica
    June 18, 2012 | 8:34 am

    Hilarious. I am petrified of the day my little ones all hit the age for braces. Three one after the other is going to leave us living in a one bedroom flat.
    Jessica recently posted..Big Hair and Bad Shoes

  12. Elaine
    June 18, 2012 | 9:15 am

    I’ve been procrastinating on taking Ben to the orthodontist. It’s inevitable. He’s got one messed up grill already.
    Elaine recently posted..Dad Love

    • admin
      June 18, 2012 | 9:43 am

      It’s painful. I cannot lie.

  13. julie gardner
    June 18, 2012 | 9:17 am

    I hope you still have that t-shirt…
    julie gardner recently posted..Today call me silly

    • admin
      June 18, 2012 | 9:41 am

      Don’t laugh…but I do. I come from a mother who saved everything.(And yes, I even still have those braces in some ziplock bag)

  14. Alexandra
    June 18, 2012 | 9:34 am

    Beautiful.

    And you’ve got to send it in to BlogHer Family b/c it is adorable.

    YES.

    We have TWO in braces.

    How ya like my dresses from Tarjay???
    Alexandra recently posted..List of Summer Fun Ideas For Your Kids by Me

    • admin
      June 18, 2012 | 9:42 am

      Just knowing that I won’t be able to step foot into Anthropologie for the next 11 years is depressing.

  15. Robbie
    June 18, 2012 | 9:44 am

    this is great! I have 2 of 3 kids needing braces so far. here’s hoping #3 retains his beautiful, straight pearly whites.
    Robbie recently posted..Counting the Days

  16. Cheryl @ Mommypants
    June 18, 2012 | 9:45 am

    Yay! I didn’t realize how much I’d be saving by my daughter having no interest in American Girl dolls! And that we’ll never own a minivan!

    Also – you were adorbs! Well, you still are, of course, but look at that mouthful of metal! Where was your head gear?

    Love,

    The Only Rosenberg Child to Not Need Braces
    Cheryl @ Mommypants recently posted..Happy Father’s Day

    • admin
      June 18, 2012 | 9:35 pm

      No braces – oh you were so lucky..but you never got to experience the thrill of getting your braces locked together while kissing that weird boy in 8th grade.

  17. Marta
    June 18, 2012 | 10:38 am

    Lol. Yes, I had no idea how expensive it would be. And it doesn’t remotely help that I’m one of those people that likes to buy things to show their love (its an actual LOVE LANGUAGE. I read about it!) so my children have all my money way down in the red and lots and lots of things they do not need. But they’re well dressed, entertained, and healthy!
    Marta recently posted..What My 16 Year Old Self Told Me

    • admin
      June 18, 2012 | 9:36 pm

      Oh we are SO alike. God help us.

  18. Lady Jennie
    June 18, 2012 | 10:45 am

    Oh my goodness.

    However you can totally send me all of your eldest daughter’s clothes that are too small. You know they are totally going to go out of fashion before the other two get to wear them. That should defray costs a bit. ;-)
    Lady Jennie recently posted..Celestial Dew

    • admin
      June 18, 2012 | 9:36 pm

      Oh that would be a brilliant idea – until you see all the things with bling on them… xo

  19. Katie
    June 18, 2012 | 10:58 am

    I might have thrown up a little in my mouth after seeing this.

    At first I thought I had it better since I have boys. Then I thought about sports equipment/lessons/leagues and fell over holding my bank card and sobbing.
    Katie recently posted..make you smile

    • admin
      June 18, 2012 | 9:37 pm

      Yeah, I think sports trumps dance.

  20. deborah l quinn
    June 18, 2012 | 11:10 am

    This post sums up precisely why I (lovingly) call my children “black suckholes of financial need.”
    They will both need braces (yes, perhaps that pacifier #2 had until he was SIX has something to do about it, but at the time my need sleep through the night & thus his need for a no-nightmare-pacifier outweighed the thought of future orthodontia). One small note: for those raising children in cities, an urban tax of about 20% should be added on: taxis, outsourcing birthday parties (no room in an apartment for the entire freaking 3rd grade), the need for a chiropractor after heaving a stroller up & down the subway stairs for six years…godalmighty. If those damn kids don’t spring for top-of-the-line Depends when I’m old, I’m going to die and haunt them forever. I’ll pop out when they have sex and fuck them up even more than I already have. Heh. Revenge is sweet.
    deborah l quinn recently posted..in which we discuss unicorns, world religions, and whether barack IS in fact a muslim

    • admin
      June 18, 2012 | 9:37 pm

      Oh my god I am dying laughing. I love you.

  21. Kristen
    June 18, 2012 | 12:12 pm

    Just think…your wallet didn’t even put the cost of dressing three girlies in awesome clothes!
    I think I am going to go eat some Tums. My belly hurts from looking at those numbers. ;-)
    xo
    Kristen recently posted..Family Vacation – Memories Captured

  22. John
    June 18, 2012 | 12:48 pm

    I remember, as a kid, going crazy watching my dad fill out all of the insurance paperwork around the braces my sister & I wore. And thinking that it looked like absolute torture.

    And now I’m thinking about it, myself, and I’m scared shitless.

    (in regards to a previous comment I put here, my dad, then, started screwing the orthodontist — just to explain why there’s a strained relationship there)

    And dear god, are diapers expensive. I actually don’t mind picking up after the accidents during potty training (though the pooping on the floor is certainly not fun) because I realize it’s working toward “not having to buy diapers,” and that’s a very, very good thing.

    I’m totally planning on learning how to sew, and to become a better cook, just to make things a little less expensive. Leila will totally want to wear fashionable clothes made by her dad, right?
    John recently posted..Where I realize that not all trips for ice cream are created equally

    • John
      June 18, 2012 | 12:54 pm

      And I’m totally planning on being music teacher.

    • admin
      June 18, 2012 | 9:38 pm

      Yeah – you better start saving for clothing. :) I wish we had dental insurance. This shit hurts!

  23. Ginny
    June 18, 2012 | 1:18 pm

    A couple of expenses we didn’t have was having to bail either you or your brother out of jail Thank God for small favors:)

  24. Jennifer
    June 18, 2012 | 9:37 pm

    I’m so effing depressed now.
    Jennifer recently posted..Project 365, Week 24

  25. Not a Perfect Mom
    June 19, 2012 | 12:21 pm

    Brooke’s open heart surgery plus the 10 day hospital stay? $750,000
    Not a Perfect Mom recently posted..Why I Have No Self Esteem….Or Why Hope Should Wear a Muzzle

  26. Leslie @ The Bearded Iris
    July 2, 2012 | 6:58 am

    My oldest just got braces too. There goes my new deck. Couldn’t you have written this 13 years ago?
    Leslie @ The Bearded Iris recently posted..Aw, nuts. Or, how puppies and testicles are related.

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