I look at One HV downstairs - probably the only mall with more dogs than kids??!
Those who want kids will have kids; those who don't want them won't have them. But there's probably a huge group in the middle who are either undecided or need to fulfil some conditions before they would have (more) kids.
What are these conditions? Maybe these:
The economics
Very real considerations here. Like I always thought my parents shouldn't have three kids - or any at all! - coz they could ill afford it. But there was pressure for a boy *.* Mother decided to tie her tubes when she miscarried after YQ. That was her fifth pregnancy and second loss.
So yes, if a couple hardly have any savings every month despite a simple lifestyle and there is no prospects of earning more, I'll be very practical and say don't consider children; just plan for your own retirement. Don't make other people - kids, grands, extended family, taxpayers - suffer.
There are a few things here:
- Stable employment - I believe this is possible for everyone regardless of educational qualifications. I consider zero entry barrier jobs like delivery personnel and fast food crew stable employment, though the latter probably offers a more...
- Stable income - True, those jobs mentioned above don't offer very high income and there's little wage progression. The prospect of raising a child could be quite daunting. But then it really depends on how much the individual is willing and wants to progress to a better job, plus...
- Ability to save regularly - If the couple can hardly save regardless of income, they would have no spare money for the necessities of having a child in the first place.
Which begs the questions: how much do you need to raise a child? Well, that really depends on your income and lifestyle.
Sito just read an article where the journalist claimed it costs $30k per child per year, including holidays. I don't know how much an adult is expected to spend but let's say $20k coz no enrichment programmes? Our family of five certainly did not spend 30x3 + 20x2 = $130k for the whole of last year including holidays!
Estimates based on our spreadsheet - I have been keeping records since uni time (!):
- Dining out = $12k
- Groceries = $8k
- Utilities = $4k
- Kids specific = $8k (largely tuition and chess tournaments)
- Transport = $2k
- Medical and dental = $2k
- Insurance = $12k
- Money to our parents = $10k
- Holiday = $12k
- Other discretionary = $2k
Total = $72k per year or $6k per month
I think we are probably average in terms of spending, especially for tuition (only one subject each for two kids), insurance (almost done with commitments) and even holidays (nothing extravagant needed). If we have kids in preschool, it would be more expensive. Infant care is especially so, more ex than university, adding maybe $18k a year per kid! Gosh, so glad no more infant care for us!
Thinking back to when we had three kids in child care, that was about $21k a year in total fees. So younger families could face more stress in this area. We didn't qualify for additional subsidies then but the current income ceiling for subsidies at $12k, just under the $14k income ceiling for HDB BTO/grants, means many families can get such subsidies.
If we work in town and take lunch outside, that would add another $5k - we are cai fan people, no need to spend $25 on ramen + service + GST. And maybe add another $1k on transport coz we have only kah (Hokkien for legs), no car.
I don't know how much a car would add coz we had never owned a car. I just used to drive Mum's car to her place when she parked it at our place every two weeks. Most places we go to are accessible by public transport anyway, even when the kids were small and liked to run the length of the Circle Line trains when it wasn't crowded *.*
Piano lessons? Art class? Taekwondo lessons? Discretionary.
What else is there to spend on? We don't collect shoes or bags or labubu toys or any funny thing. Kids do not need new toys all the time. The single most expensive item we bought for Kai is his iPhone 13 (not the latest model then), and we expect him to use it for a few years.
Oh, we don't have a mortgage. But you want a house with or without kids right? Kids only determine the size you need. We birthed three kids in our old 3-room flat - they shared a room. If we had no helper, there was a small room for a study. But the crunch was the single WC for five persons coz it was the old type; Mother's old 3-room flat is a little bit newer and has two WCs.
Anyway, taking a $1m 4/5-room HDB as an example, a $800k loan for 30y would mean a monthly repayment of $3k at 2% interest (higher than now) or $4.2k at 5% (not in the past 10y at least). Add $1k for 20y loan. So that could add some $36-$60k a year.
Eh... Buy within your means ok... I checked out BTOs - some are priced like resale (my beef with pricing is another issue for another day) but there are also way more affordable ones.
There's also some economy of scale with more kids. Not to say the more the cheaper but having a second child will not cost double. Clothes can be handed down, as can books and toys. Small things but still worth a mention. Even holidays - adding a second child will not add a second hotel room. But adding a third would, as I have found out. Then again, the fourth wouldn't add on, haha!
The practical
Sito sent me an article calling for men to be dads, not duds, so that women need not be the one to make the most sacrifice when it comes to having children. Made me wonder how come I let Sito sleep in while I cleaned the house on Sunday mornings when we first got married?! Now he regrets sending me the article, haha!
Jokes aside, it's true how the wife/mother is usually the one handling the bulk of home affairs. Around me, I only know one father who would take the night shift after his day job to care for his infant so that his wife would have enough rest to take care of the kids in the day!
The village that used to raise children is now just the parents, and increasingly older grandparents, if the former are lucky. All parts of the village have to come in to support. Some families may engage a helper. But I know a few rejected that totally.
The suggestion of keeping some child care centres in housing estates open until later so that parents working in town could fetch kids in time sparked debates ranging from children's needs for sleep and parental care, to child care teachers' personal and family needs, and to costs.
I don't understand - these parents who need to rush to fetch kids from child care probably work regular hours. Their bosses also have kids right? Why can't the parents all leave work earlier and work at home later when the kids are sleeping?
I have greater pity for parents who are both in shift work. Child care centre hours don't work for them at all. But who is speaking for them?? Anyway, I think they have either family support or a helper, else cannot.
But regardless of the type of child care, it is important for both parents to put in efforts. Maybe with one kid, it's possible to have just one parent running the show, as I did for Kai's first year, with a part-time cleaner coming in once a week. But when Yang came into the picture, it got exponentially crazy managing basics such as sleep (they don't sleep well), play and work. I must add that it didn't get much crazier when Yu came along; I guess systems were in place by then.
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Sito added that people must feel that their children will have a better life than them in order to have children. I guess the wars, economy, ever-increasing flat prices and inflation just don't inspire much confidence.
Maybe they're responsible. Or practical. Or cautious. Or pessimistic. No matter which way, no amount of money and practical support can change the mind of this group who are concerned with things beyond their control.
How about us? I've always wanted to have kids. Four. No kidding. It just got tempered down over the years. Sito never really thought about it, haha!
To be honest, if I were not sure that our income could support three kids, I wouldn't have gone ahead. Before having Yu, I was doing well at work. I projected myself to cruise plateau at two grades above and be economically comfortable though time poor. Sito changed jobs a few times by then but he can do anything coz my laogong very smart :p
Actually that was it. Growing up, money was always the issue. Before having Kai, I certainly did not think about whether my husband would be hands on (answer: not when they were young!), whether we would need a helper (answer: no at first, eventually yes), or whether we would be able to manage children and work (answer: ok for many years).
Yes, in the end, I left my job. But I also have friends - in both public and private sector - who manage full-time demanding work with children.
Yes, in the end, I left my job. But I also have friends - in both public and private sector - who manage full-time demanding work with children.
So back to the title question - how to encourage people to have kids?
A work place that is supportive of personal time
And this is not just about parents. Employees who are not parents deserve support too if they have other caregiving duties especially in our ageing society.
I always read comments on social media. It seems like people are working too much and too hard to imagine adding kids and their myriad needs to their life.
Work is a such a necessary evil but can society as a whole work towards making it less evil? When will people - from those at the lowest rung to the big boss as well as customers - recognise that everyone deserves personal time if they work hard during working hours?
Yes, I must stress the last bit of working hard during working hours. Good work ethics build trust, trust that everyone knows everyone puts in their best at work so that they can be at their best at home too. But this needs everyone to put in the effort.
Yet, I see so many social media posts and comments timestamped during working hours. Truth be told, some of my earlier blog posts were written during office hours - think I was bored when some things didn't move but single childless me didn't mind OT for some flexibility in the day so nothing to complain about. That is, if you do leisure things during working hours, be prepared to use personal time to do work.
But now social media can be very addictive. If you read one post, you'd likely go on to the next. If you read one comment, you'd likely read more. No wonder works eat way into personal time?! No wonder boss wants you to work more?!
I used to have this handwritten sign on my office desk after returning to work as a mother - focus at work and go home. Or something like that. So no social media. Not even WhatsApp - I would respond to only work messages and easy/urgent messages like from helper. Everything else - random chit chat, shared instagram posts - could wait.
And the whole WFH thing? Many people like it after experiencing it from COVID days. It certainly gives a lot of flexibility but who knows whether this flexibility results in same or higher/lower productivity? It saves travelling time for sure but I certainly didn't find myself very productive when I kept getting interrupted by the kids during the circuit breaker in 2020!
So, maybe everyone need to work hard first. Toilet breaks - without the phone! - are good enough breaks.
This one, to be honest, is very hard. Some people are luckier than others. I was lucky to have good bosses and colleagues who understood that I had to leave by 5.30 pm; they were also lucky coz they knew I would be back at work at 9 pm after settling the kids *.*
A change in priorities
Last night I read a NUSWhispers post (I don't know why it appeared in my Facebook feed!) of a woman in her 20s worrying about paying for BTO, car and kids with a household income above $12k. Yes, $12k. If $12k cannot cover BTO and kids, it's covering discretionary items already. I roll my eyes.
Something's gotta give. 天上是不会掉馅饼的!
Lifestyle creep and spending beyond means are the usual culprits here. These are within each person's control. But I guess it's difficult to make people change their lifestyle for a couple of crying brats who pee and poop and puke on you?
A more relaxed education scene
Eh, I don't know how to put it. Some people say they don't want to give birth to kids only for them to join in the rat race starting with good preschools, good primary school, then going on to exams, especially PSLE, coupled with enrichment and tuition for every subject and topic etc etc etc. Very stressful etc etc etc.
I don't get it. If you don't learn how to manage stress growing up, how to manage stress as an adult? Or perhaps they - parents-to-be - find it stressful for themselves to raise kids?
In the olden days, girls who want to marry well also need to know how to play piano very well, play chess very well, write very well and paint very well(琴棋书画), and after marrying, they still must stress over the husband's concubines! Ok, watch too many period dramas...
Again, something we can control. Some parents let their children settle themselves to varying degrees and results. Here, we choose to be very involved - to push them, to motivate them, to teach them eventual independence.
Stress is inevitable. Stress is not bad on its own. Stress is also something to learn from. We cannot shelter children from stress forever. Sometimes we end up stressing ourselves. Is it worth it? Yes, if we see them grow well.
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Anyway, after my work stint in encouraging marriage and parenthood and my personal experience, and considering external factors not within individuals' control and the nature of people (re priorities), I think we, born and bred Singaporeans as a species, can prepare to go extinct eventually. I probably won't be here to see it. For now, I don't mind all the Sichuan food thanks to immigration though :p










