“So people are looking at support and the cost of childcare and things like that. Then there is social pressure. Sometimes when people are sure that [not having kids] is what they want, they feel it is something they should do because of a prevailing expectation. It is starting to change.
“The older view is that everybody will have children unless you can’t.
Lorna Ganda and her husband Jean always wanted a large family. Despite rising costs, they have four children — Alanna, 12, Amy 10, Alexa, 8, and 5-year-old Jayden. Living in Clare, the family has to stick to a strict budget to manage their finances and lifestyle.
“My husband works fulltime in construction and earns a good wage," says Lorna.
“I am a stay-at-home parent. We both worked full time up until two years ago. However, due to our busy working schedules, our children weren’t getting to their training or extra-curricular activities.
“We were missing important milestones in their lives which I wasn’t willing to sacrifice so I made the decision to stay at home and be available to bring them to school, to their sports and all other aspects of their lives.
“I now fill my time volunteering with organisations and my children are involved in, I help out with coaching at our local GAA club, and I am the secretary of the parents association of the school my children attend.”
The couple has no mortgage and are in rental accommodation.
“A mortgage is something we have been thinking more about lately but we’re under no illusions, we understand that with one income and four dependents we don’t have a chance in the near future for mortgage approval.
"However, I don’t plan on staying at home indefinitely, as our children get older and more independent, I intend on getting back to employment.”
Lorna said after she gave birth to her third child, she knew she wanted to expand her family further and worked out a financial plan.
“The expense in Ireland is tough. Maybe never been tougher than what it currently is, however, my husband is originally from Brazil, and has lived and worked in Ireland for 15 years and so having the poverty in a country such as Brazil to compare to and the cost of living, I feel we personally are doing very well.”
The couple sticks to a budget for everyday expenses and do not feel like they are losing out.
“My husband and I look at our outgoings weekly and monthly,” said Lorna.
“Each week I do up our bills to see what will be going out that week and we then see what is left over to put towards savings or to go for a day or weekend out with the children and that.
“This was the one thing that was better when we were both working, not having to watch our bank account and think about what bill was going out on what day but I prefer to be less off financially if it means being able to support my children and their needs.
“We still manage to get by and live a comfortable life, but we do need to budget properly in order to keep things the way they are.
“We set aside €200 for food shopping weekly, €50 diesel for each car, I pay €20 towards electricity a week so credit builds up in the account and the bill is then much less when we receive it.
“Child benefit goes towards the children’s extracurricular activities, their clothes, anything they need in the month it’s received really. Thankfully, our child benefit isn’t needed for household bills, so we manage to invest it into the children’s lives directly.
“Childcare is the main issue, 100%, it needs to be affordable for couples who want to have baby. Women have to give up their jobs to pay for creches.
She said couples are taking a conscious decision to have children later, to allow some time to focus on themselves.
“Couples now are not in any rush to have a family or get married straight away because they’re focusing on themselves, on their own personal progression, living life and finding their feet before having families.
“I just turned 30 and my closest friends are now just starting their families, or the thought hasn’t even crossed their mind yet.
“Money did not prevent us from extending our family. We’ve been together since I was 18 and have been through so much together as couple, we always just seem to manage what comes our way and deal with situations as best they can.
“I can 100% see how money can influence these decisions though, at the end of the day people just want what’s best for their families and to be able to provide as best they can.”
Hannah Scanlon and her husband Cian have shelved plans to extend their family because of the cost.
Married for five years, they have one daughter, Aida. But any hopes of giving her a sister or a brother have been parked, probably permanently.
“We are a working couple but we have to take childcare into account too,” said Hannah.
“You are looking at an average of €200 a week for a creche. If we were to double that, then it would be €400 a week, so we are left with choosing between a mortgage or another child for now.
“To raise a child, there’s all the costs, shoes, clothes, daily expenses.
"it is massive. There is no reprieve in this day and age and only for my family, me and Cian would not be in Ireland.
"You can’t get a house for less than €450,000 so it is not affordable to expand your family.”
On top of their living costs, Hannah and Cian underwent IVF treatment from 2021 to 2023 which resulted in the birth of their one-year-old daughter Aida.
“At first we just couldn’t afford it, we looked at the costs of it and it was not plausible for us.”
But eventually with time, the couple “scraped” the money together to try for IVF treatment.
“There were a lot of emotions involved and we did get pregnant on the second round of IVF. Our daughter cost us €13,700 in the clinics. It is so much money and she is one now and it is a very tough journey.
"But if I decided tomorrow 'I want to try again', I can’t. There is no hope. We have no more money. It’s down to paying my mortgage or having a baby. The bills do not stop coming in after babies are born.”
Hannah and Cian were one of the first couples in Dublin to use the Coombe hospital fertility clinic.
“We had all of Hysterosalpingography, blood and sperm analysis. They track your intercourse, ovulation, they give you a trigger shot and stimulate your ovaries and then you are told to have sex, on this day at this time.
“They measure your follicles so they know when to give you the trigger and then they politely say there is nothing more they can do for us. So, we looked at IVF treatment.”
The costs of treatment for a full round of IVF in 2021 was €4,600 plus €1,600 for a frozen embryo transfer.
“They couldn’t do a fresh embryo transfer, so it had to be a frozen one,” said Hannah. “That failed and we were devastated.”
But then out of the blue, Hannah’s brother offered her the money to go privately again.
“Thankfully that did work, and our daughter Aida was born last year, but while you would love to do it again, it’s not possible, we can’t afford it.
"We are now not eligible under the HSE scheme because we have already done it, so secondary infertility is not included. Even if you have a baby naturally the first time and can’t conceive a second time, the HSE won’t cover that. It makes no sense.
“Overall, we did two years of testing, and I was pregnant in 2023, we did the transfer on December 19, 2023, and found out on Christmas Day we were pregnant. She arrived in August.
“There’s just no way right now we could have another one. Maybe in five or six years if we had the money but that’s a long way off.
"I would just say to people thinking about it, it’s emotionally, physically, and financially hard.
“For people our age, both working full time, with car loans, a mortgage, and a one-year-old — with or without IVF treatment — we are not in a position to extend our family because we are already stuck to a tight budget.”