These credit cards won't charge any interest on your purchases for as long as 18 months.
Cost of children 'puts off parents'
Many reports about the costs of parenting more than one child fail to take into account savings such as handed-down clothes and toys, according to Civitas
Many parents are being put off having more than one child because of the " exaggerated warnings" about the costs, a think tank has said.
Mothers and fathers are being persuaded just to have one child because of fears over how expensive another would be , according to a book released by Civitas.
But research shows that children with siblings are more likely to be healthier and happier, argues journalist Colin Brazier in his book Sticking Up For Siblings.
The book highlights that the number of single-child families has risen from 18% in 1972 to 26% in 2007.
Parents should be wary of " PR-driven scare stories about the expense", the book argues.
A number of reports about the costs of parenting more than one child fail to take into account savings such as handed-down clothes and toys, shared lighting and heating, and a reduced spend on playdates, it says.
"Having a second child will not save a couple money, but it need not be as ruinous as the financial services sector suggests ," Mr Brazier writes.
"Annually, there is now a merry-go-round of media releases from banks, building societies and insurers, aimed at putting a figure on the cost of children. But these figures frequently tell only half a story. They fail to take account of the economies of scale produced by siblings; the handed-down buggies, clothes and cots, the shared holidays, heating and bathwater.
"Clearly, many parents do not rely on media scare-stories to form opinions on the economic viability of family expansion. Yet, it is strange to report that one of the most important and immutable decisions individuals make is informed by a niche area of social science that has been more or less colonised by PR execs from the City."
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With the ridiculous levels of house prices/rents these days (compared to wages) and parents needing to both work full-time just to achieve a self-reliant modest home/lifestyle (2 bed starter homes have gone from 2 to 7 times the average single wage in my area) no great surprise that people are having less children or simply not bothering at all (not much point if you can't have a life together or your children are just going to be farmed out for others to look after). If you want to get away from the under 40's mass dependence on the state/parents & relatives, socialism for the rich (i.e. taxpayers money going to rich landlords - housing benefit, subsidies for low pay/big business profits - tax credits) and support freedom and choice for all households, housing has to go back to being primarily about affordable places for people to live (which everyone needs) and not investment opportunities for the already haves.
WRONG IS RIGHT
RIGHT IS WRONG
YOUR STANDARS IN THE UK HAVE SLIPPED MASSIVELY., FROM LAWS TO POLICY TO SEXUAL TO BUSINESS TO BANSK TO THE TRADES PEOPLE WHO OVER CHARGE SERCRETLY TO CAR DEALERS TO THE MPS SCANDEL BUT REALLY IT MEANS I DID WRONG IN MY JOB BUT IM ALLOWED TO GET AWAY WITH IT IF I SAY " SORRY ".
MPS FROM TONY BLAIR TO NOW HAVE SUNK THE UK
THE WAY THEY ARE LAID DOWN.
THE TYPE OF PICTURES THEY USE
HOW IT WORDED TO GET THERE HOOKS INTO YOU, MAYBE YOU WILL SEE, WHAT PROPAGANDA IS AND HOW EASILY YOU FULL FOR IT AND HOW THEY USE IT TO MAKE BIG MONEY OUT OF YOU, ESPECIALLY THE INTERNET.
WHY IS EVERYONE SO WRAPPED UP IN LIES THESE DAYS, WHAT KIND OF SPEICIES ARE WE JUST LIERS THROUGH AND THROUGH,
I CAN,T BELIEVE HOW WEAK THIS COUNTRY HAS BECOME, LAWS / GREED / CORRUPTION / LIES ITS FLOURISHED LIKE A BACTERIA.
EVERYONE IS WALKING WITH THAT LOOK OVER MY SHOULDER ROUTINE.
OH YES DO YOU PEOPLE HAVE PROBLEMS TALKING TO ONE ANOTHER, NOBODY TALKS YOU LOOK NERVOUS IS THERE SOME THING WRONG IN THE UK WITH COMMUNICATING, WHATS THAT ALL ABOUT ???????????????????????????????????????????
TO SAY YOU WERE ONCE A POWEFUL COUNTRY AND NOW THIS IS WHAT YOU HAVE BECOME
IS THIS ALL YOUR LIVES ARE ABOUT JUST MONEY AND NOTHING ELSE DANCING TO THE PROPAGANDA MACHINE.
SUCH A SHAME YOU CAN,T SEE PROPAGANDA AND HOW IT HAS BLINDED YOU AND FOOLED YOU, ONE BEING YOUR TVS WITH THE COMPUTER AIDED ADVERTS, I CAN,T BELIVE YOU GET SUCKERED INTO THAT ONE SO EASY, BUT I CAN ALSO SEE YOU ARE NOT PREPARED TO SEE SENSE OR ADMIT THERE IS SOME THING WRONG IN THE UK,
COULD IT BE YOU HAVE BEEN SOLD OUT BY YOIUR GOVERMENT IN ORDER TO MAKE HUGE PROFITS OUT OF YOU, BUT YOU REFUSE TO SEE IT.
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msn money poll
A new study suggests a typical financial emergency costs around £1,200 - would you be able to raise that kind of money within a month?
Thanks for being one of the first people to vote. Results will be available soon. Check for results
- Yes - from my savings
- Yes - I could put it on credit
- Yes - I could borrow from family or friends
- No - raising that kind of money in a month would be impossible