Recently there are lots of topics going around baby and child birth. Actually before the national rally that announce the increase of perks in bb in sg, Nick and myself did discuss this topic before. I think family planning is not really depending on the perks but the perks does help to ease the mind a bit on "INITAL" financial issue.
Our idea initally was to wait for the house to come. Enjoy a while then start family planning... So that was the perfect scenario.. At the comfort of our own place. But the word "plan" does not equal to "as planned" along the way, we realise that age is catching, house is going to get delay...then its time to "re-plan".
We got disappointed again and again by the delay of possession of the flat. Initally was Q4 of 2008, then last dec got to know its Q1 2009, Now the most "zun" date is Q2 for possession... Being through BTO, I always advise friends who are getting BTO to be prepared for the wait. It might be longer than you can wait or willing to wait.
If we had in mind to stick to the initally handover date on paper which was 2010 maybe we would have planned things in a diff way... But the whole world is telling us wont take that long one..(we apply in 2005, development work in late 2005), even the HDB sales lady tell us "die die worse case also 1 yr in advance) so happily we planned as we thought.
I was thinking, if we had move ahead of our planning, maybe we wont be in a caught situation now.. why I say caught in a situation, because 1st of all, the hse is coming most probably between mar to jun 2009. If we wait till then to do family planning, most probably I will be over 30 yrs old 1st time mum...... by the time we cross over 50, our children haven even finish schooling... "retirement" seems like a damm far far road....
Our inital thought was to aim for a baby calf, but after Jun 2009, its impossible for bb calf... and such things usually dun come as u plan. Heard b4 that the more u plan they more u wont get...hahaha... Read in some forum, "Plan no shiok! Accident more shiok" hahaha... But its a life time of commitment.. cannot say "su ka, su ka" one rite...
Now if we have a bb and the bb is born before the hse come, we can stay at my parents place and do the house later or concurrently. But if the hse come before the bb is born, then I cant even be involved in the whole renovation process. And heard that even the bed cant be shifted... where are we going to sleep in new place?
Who says can dun plan? I haven finalise my plan, just thinking nia already so many issues liao... Sometimes just feel like hack care, wanna do jiu do it... Dun want to think...hahaha but worried about the impacts that comes with 冲动.
Financial is a big big issue, the reno of the place, added monthly expenses due to electricity, gas, etc... .... cannot help not to think about it also.... or take it as "船到桥头,自然直".