DH pays CS for two kids from his previous relationship - so that knocks about $460 of his income out. We have 2 and are planning for number 3 in the next 6 - 12 mths.

Combined we earn about $120K + each financial year. Each year we get a pay increase (government jobs) and we get an increase when we go up in rank also.

Due to shift work we only end up putting the two kids in CC one week out of three. We're still better off if we both work full time - I love it for myself more than anything - its not just about the cash.

We live in a nice suburb, and save a lot of money now in the kids accounts for their future education. We are living quite well - could be better if we cut back on some 'wants' - but pffftt - we're all happy and healthy! Money is in the bank just in case something goes wrong.