As I have said on my first post "some" parents' and people. I don't care how much they earn and I don't ask parents' more if they earn more. My rates are fixed for parents' who are on high income or low income. And I don't ask more when they're promoted or had bonus from work. But if you come to me and say that you can not afford my fees yet have an Iphone and drive a nice car and live in an expensive area then I have problem with that. I don't have a mobile phone since I moved here and It has been 7 months. In the begining I thought it was difficult not have have mobile but then I thought I don't need it yet as I didn't know anyone who could call me except my husband and he can use our landline to call me anyway. We need to ask ourself this question. Do I need it? Can I afford it? So in my case I don't need it so why should I waste $50 every month(thats £2600 per annum!) so that I can show off to friends and family.

To Sarah, my husband earns decent salary as well but he has so many bills to pay and so many debts! At the end of the month he did not had enough money to spend on himself! After we got married I take care of our finance. He used to drive Audi but not anymore cause right now we can not afford Audi! He has a house on high interest and now we are going to sell the house. So that we can save whatever amount we are paying every month. And right now renting is our best option.
I'm putting some money every month aside so that when we have our child we won't struggle and I can pay or buy best for my child/ren in the future.

Cocoon