Now heres a question which should get a few answers... I am getting married next year, and the talk of when to start a family is becoming more frequent It will be after we get married, but I don't know wether I will be able to afford any new members for some years as I'll be paying off some £10k for the wedding! I'm not looking for a spreadsheet budget, but a general rule of thumb... I have no idea where to start, but I know the baby comes for free (I hope). Cheers, Gareth.