Is concern about finance a large factor in making the decision to have children or not?

In my last post, I looked at the issue of the cost of having children.   Many studies have shown that having and raising a child to the age of 18 is indeed costly - with most estimates putting the cost over £200,000 per year.

I find it interesting that financial fears are rarely at the top of my clients list of fears or anxieties.  Often finance is taken into consideration into when to have a child. Clients might speculate about timing whether to stay in a job because it has good maternity leave and pay. 

If a woman is considering having a child on her own or not, the issue of whether her income is enough to support a family is often mentioned however.