Need some SERIOUS ADVICE on which way my family should go....?

What direction do you advise:





Ever since my husband and I started talking about having kids we decided to do whatever was needed so that I could stay home to raise them. We paid off ALL debt and bought a modest townhome, even though we could afford a much bigger house -- we wanted to be able to live on just his income and not get into a large mortgage that would later require me to continue working and place our kids in daycare.





Now that we have 2 babies we want a bigger house with a yard... my company has allowed me to continue working for them, from home and at hours that I set so that I only work when the kids are napping / sleeping or with grandma. On what I bring home alone ($4,000/mo) we could easily afford a new house, but AGAIN we don't want to depend on me working incase my job changes or becomes a strain on the kids...





Do we go for the $700,000 house / yard for the kids since we really can afford it now and it should be OK, or continue being safe and stay put?Need some SERIOUS ADVICE on which way my family should go....?
Stay put and sock the extra money away for the kids' education.Need some SERIOUS ADVICE on which way my family should go....?
go for it


it is perfectly fine to put children in daycare for you to work and sometimes it's even helpful to get rid of the that seperation anxiety that happens with stay at home moms
It is healthy outlet for children to be able to play outside. I have been raised in the country and have an almost spiritual safe feeling in dirt(lol) animals,room to roam, and am very healthy physically active,


Well having a safe place for kids to go out and be kids outside, play in the snow make snowmen etc. is great





But, if you do opt. for more financial obligation just don't get in over your head. maintain your sanity. children and moms get so stir crazy during the day. maybe you could go for the land/yard and put off the larger house. or the larger house, like with a playroom and a small yard its all about compromise. I just got a great book as a gift the title is Cut Your bills in Half Thousands of tips to save thousands of dollars. its great got it from local library.


Think about college costs people are helping their children buy homes, home expenses, grandchildren. supporting children much into children 20 now because the cost of living is so high. You are going to need money for the future and for your children's future.
When I thought you said ';serious advice'; I thought it would be something important. Oh, to have such problems. I will tell you what, get what you can afford, Ol boy might decide to up and leave and you could never afford a $700,000 house so get a house you could afford in case that happens. Lower priced houses also have yards for the kids to play in. This ? is simply ridiculus. For a person with such a good income you don't sound like you have to much common sense.
Save your money and buy a nice home in a less expensive area. I would not start depending on your pay if you want to stay home. (Which I think is very good of you). While you have the arrangement you have, put as much money away as possible, then when you have the cash to maintain the current payment, move to the bigger home. Good Luck!
go for the home, the earlier you start paying on it the better off you will be in the long run. it can always be sold if need be.
Consider if you can afford on half your income, that way you know if you really can make it happen. The kids will love the yard and extra space.





Also here we have home daycare, where if you own the house you can set it up and look after kids in your own home. Maybe that could be an option (if you like kids and it pays well enough in your area- I was paying over $200/wk per child for home daycare).





Make a list of other ventures you could also do around the kids that would bring in extra income without restricting your family life.





Good luck !!!!!!!!!!!!!!!!!
Why not go for a $400-$500 hundred thousand dollar house instead, and continue to save. DUH