The high cost of bringing up children in Jersey

THE average cost of bringing up a child in Jersey is almost £450,000 – nearly double the UK figure, according to new estimates.

Raising a child in Jersey can cost nearly £500,000
Raising a child in Jersey can cost nearly £500,000

THE average cost of bringing up a child in Jersey is almost £450,000 – nearly double the UK figure, according to new estimates.

It was recently revealed that bringing up a child from birth until their 21st birthday in the UK costs £222,000.

However, a financial adviser in Jersey estimates that to be nearer half a million pounds for parents in the Island who send their children to fee-paying schools and fund them through university.

The full story - including a breakdown of the estimated costs - is in today's JEP.

Comments for: "The high cost of bringing up children in Jersey"

Mother

Not forgetting the ridiculously high nursery costs over here too.

prefer a YAMAHA

when you balance up the pro's and cons.... i think we'd all be happier with a yellow and black classic yamaha in the garage.

Andre

I think there is a part of this story which is overlooked in many of the comments below. There is an inference that raising a child here has BECOME far more expensive in comparison with the UK, over the years. This should be properly investigated.

Certainly 50 years ago my dad raised a family of 4 on a single, lowly hotel worker's wage. We had no benefits, or subsidies. We rented a decent private sector flat, and had a good life. My mum CHOSE to be a housewife.

Could a man in the same work do that today? No! Both parents would have to be working, and I suspect if they were in low paid jobs, they would be relying on Income Support to top up their wages. I am not talking about paying for modern luxuries (flat screen TVs, broadband, i-phones etc. I am talking about basics: food, clothing and housing costs).

My query is this: is Jersey (in real terms) now far more expensive to live in for people on low wages, than it was 50 years ago? I am certain that if my parents were starting out now, they would have had a struggle, or would be depending on subsidies.

Surely the States Statistics Unit could make a study of comparative wages and living costs for today and 50 years ago. If it really is more expensive now, then the implication is that children will become an unaffordable 'luxury' in the same way that buying a first home has become a distant dream for many.

Is it possible, that in 50 years of boom and prosperity, a section of our society has got poorer in real terms? Is the massive bill for Income Support the price Jersey now pays for this? I wish one of our Scrutiny panels would take this up.

My family life as a child was just 'ordinary'. But compared with the Jersey of today, what my parents managed now seems quite extraordinary.

Charlie G

Right on André ! It's all to easy these days,i was in the same situation all those years back, and You grew up fast and apreciated things better. Sorry to say,but if people want children ,thats their Choice,and the bringing up cost will be what it will be.

Parktown Prawn

Too true

My grandparents raised 8 kids on one wage and paid full rent in a States house.

They received no handouts whatsoever.....and, in fact, would have been insulted if they felt they needed financial support.

They always had enough to eat well, all fresh meat & veg, with large family gatherings for Sunday lunch and they had all the basic luxuries like TV etc (there was no internet or broadband back then).

They managed perfectly well, but I suspect it would be impossible to do this nowadays.

James

The intro to the story is slightly misleading. The total sum quoted appears to answer the question how much do Jersey parents choose to spend on their children? This is a somewhat different question to how much does it cost to bring up a child in Jersey? We are an affluent society with affluent spening habits - you really can bring up a child here for less than 450 grand!

Nevertheless, Dep Moore has taken this opportunity to assert that more must be done to help "the family". What does this actually mean? It means a further redistribution of income away from single people and childless couples towards those who have chosen to have families. It's equivalent to going up to a single person, taking a tenner from their wallet and giving it to a Mum and Dad. The money has to come from someone, after all.

Hmmm, not so sure about that.

Si

Well said James, these "it costs X to raise a child" articles are always nonsense.

Anybody spending £1785 per month on their child (from birth till the age of 21) is overspending and can clearly afford it. They're also an idiot, so how they are earning so much I don't know!

Jane

If you choose to have a child and wish to continue to work therefore continuing to contribute to society, tax, employment,... You end up having to pay over £15,000 in nursery fees. This does not include food, clothing, housing, the necessities of life. Everyone has the right to choose to have a family. It would definately be cheaper for me not to have returned to work and just claimed social, but I don't agree with that lifestyle as a choice.

Si

"Everyone has the right to choose to have a family."

I'll give you that this is stated in the Human Rights, but it shouldn't be. It shouldn't be a 'right' to have a child, it should be the right of any child born to have a stable and happy home environment. That should far more important than the 'rights' of people to have children, but unfortunately for the people that want children it's often all about their wants and little about what they are bringing a child into.

Overpopulated

They are already taking enough off tax payers, we are not prepared to pay yet more for people to have children they cannot afford.

What jobs are going to be available for the current generation of children?

If you cannot feed them, don't breed them, the world is grossly overpopulated with humans

Claire

Overpopulated- You hit the nail on the head there. The world is not like it was post WWII, meaning we dont actually need to focus on procreation anymore. What we need to do is slow the rate down and focus on a better living for the ones that are already here.

yamlulz

You better stop us then :P

VOLATILE ETHEL

having children is like agreeing to payment protection cover or 3 year guarantee cover on household goods. EVERYBODY does it because they think it is a good idea. but it quickly becomes obvious it's a mistake.

realityCHECK

Ahhhh, I was going to disagree with that financial statement until I read the bit about 'for parents in the island who send their children to fee-paying schools'

Well if your stupid enough to throw all of your hard earned money away on something which does not greatly benefit either you or them, then you cannot gasp with raised eyebrows and complain!

For your extra £200,000 spent - you get a snob, which maybe great at ticking boxes, but fairly dumb when it comes to real life issues and the opposite sex and will probably still have to join the end of a social security or dole queue.

Small person

Since when did it cost £200, 000 to educate a child privately?

And maybe they come out educated in how to use 'your' and 'you're' correctly?

Sam

Yeah I finished Vic a few years ago and the fees were about 4, maybe 4.5 grand a year, if I remember right, so that cost around 30k at most, not really coming close to that 200k figure. Uni does cost a lot, was ~9k a year for me (Although I'm pretty sure there is a decent amount of Unis that have similar fees to Vic, not to mention the states gives out grants if they are needed), that puts my education at about 60-70k, resulting in good A-levels and a uni degree which is quite valued in the job market although not essential I must admit. (Went to a standard primary school so don't know how much Prep would've cost but to be honest it's totally needless to go there anyway, I had no problems adapting) 60-70k is a much more realistic figure than 200k. Maybe if you went to the most expensive schools in Jersey and went to Oxford to study uber-neuroscience for 15 years and for whatever reason got no grant that figure might make sense.

Totally up to the parents if it's worth it but to be honest I went to the Le Rocquier opening day and it was an absolute mess (At the time anyway, I hear it's improved since then), some of the classrooms were like scenes from Kindergarten Cop. In comparison Vic was awesome, some great teachers there, not gonna lie.

Uni's not really going to make anyone a snob and it will most likely not make you "dumb at real life issues and the opposite sex". Can't say the same for Vic though haha ^^ Oh well, can't have it all.

James Wiley

I can think of nothing better that you can do for your children than to educate them properly, and I don't mean sending them to school to teach other children how to speak English.

I would rather teach them myself than have them exposed to the left wing propaganda that most Jersey teachers espouse.

It's only £150,000 to have them educated at Eton or Harrow, far superior choices to anything that is on offer in Jersey.

Buller Man

Hear hear, look at what a wonderful job those old Etonians have done running the UK.

Those chaps pulled us out of that recession pretty sharpish - by having some friendly meetings with their fellow old Etonians who caused the whole mess in the first place.

Hooray for public school chaps!

Sarah

Home educated? And they would never pass the entrance exam to Eton or Harrow. It is not all just about money. You have to have a good education basis with top grades beforehand to get into these schools. You cannot just go and I doubt anyone educated at home would even be offered a look around those schools.

Si

Sarah, home-schooling doesn't always mean the parent teaching their child, it has moved on from there and can basically be mini-schools.

Some private schools look favourably on it when it's done properly because the children's education is far more about living an education than about reading things in a book. They have to stick to the curriculum as well, it is all fairly well policed.

Prince Harry didn't get good grades now did he? It is far more who you know than what grades you get.

S2

Oooh, few childhood issues there, realityCHECK. Perhaps left out and have resulting insecurity issues? What else could cause you to label every such child an introverted snob.

Easiest way to deal with your attitude is know you have to live with it.

cancer

"As ye sow, so shall ye reap." Perhaps a timely reminder that a child is someone that has to be funded for the next 2 decades - by the parents, and not by the States (by which I mean taxpayers). Christina Moore suggests The States should do more - perhaps they could, if she supported higher tax rates for high earners, but I doubt we'll hear her call for that.

Misleading

This has to be the biggest joke ever never have i seen such rubbish headlines get a grip.

Joey

Well, that's a bit over the top but it is expensive to bring up children in Jersey. My advice to the below average earner, get out as soon as you can to give your child a life. The phrase, Jersey is a great place for kids is a thing of the past.

Grumpy Old Woman

I know that the JEP has done its usual inflamatory reporting for effect with the mention of £450k which includes fee paying school and uni but the moral to the story is if you can't afford the brat, don't have it!!

According to the full story Kristina Moore thinks that more should be done by the states to help families - not with my ruddy tax/social payments it shouldn't!!

Warren J

So what ! The size of our family is dictated by what we can afford, while still enjoying a decent standard of living.

S2

Unless you claim benefit, in which case breed away

Propaganda

A JEP article a couple of years back showed that "fee paying" schools in Jersey cost, on average, about half what a private school in the UK does.

It's about the only thing in Jersey that is cheaper than the UK!!

Bo

What utter rubbish, 500k

I have raised 2 children, privately educated them, fed, clothed and god knows what else and spent no-where near this.

The clothing was not branded gear, they didn't have every topnotch latest toy/game console but where happy. This isn't children in there 40's, 30's, but 21 & 18.

This report is total tosh

To Much

I love the way the states find these facts, but when it really comes to helping the locals, they turn there back!

I know three people over here in Jersey that are on 0% Tax just because they have a Wife and Child in Romania or Poland.

Surley if the Husband/Dad works in Jersey and leaves his family in another country why are we giving them special treatment?

1 Word...

PATHETIC

"..................."

Look after the people who have bread over here and are suffering, not the seasonal workers who send all there money back and do not spend a penny in the island to support the island and also get a tax relief!

Jay

I have bread over here. I bought it from Vienna Bakery this morning.

Ang

I think Kristana misses the point with respect to the cost of education - the reason such a high percentage of kids in Jersey go to fee paying schools is actually because they are so affordable. I know lots of families who are planning to stay in Jersey only until their children's education is completed - because it is so much cheaper here - and then they'll leave.

Jake

But the overall cost is high. You have to pay a fortune for rent & food is expensive, it's not just schools. You can also live abroad and get great education for free, better salaries & cheaper rent.

Mit

Jersey's actually a pretty good place to be financially, I've been doing some research recently and I'm a lot better off here than I would be on a comparable salary in the UK.

Have a quick look at this which shows what your take home pay would be in the UK and then compare that to your Jersey take home... http://iknowtax.com/2013/

Also, I know housing is more expensive in jersey compared to some places in the UK, but it is similar to London.

Also look at this to see what the price of private education is in the UK compared to I think about £4000 for Vic college.

http://www.schoolfeesadvice.org/home/key_facts/private_school_fees.aspx

Kim

But why only compare Jersey to the UK????????? UK has nothing to offer moneywise, apart from London. Go to any other advanced country in Europe and you're better off.

Si

"UK has nothing to offer moneywise, apart from London."

It's London that has little to offer unless you're in one of the top jobs! If you're not you'll spend so many hours commuting to your dive elsewhere you'll have no free time to enjoy life.

Plenty of areas of the UK you can get paid close to what you get here (for some jobs) and have such a lower cost of living you're far better off in the UK.

Sarah

Actually the higher figure is about right if you include food, clothes, school and living expenses over 20 years. My parent's scrimped and worked hard so I could do all the private schooling thing, nursery and then 10 years at St Michael's which Mother states cost some £170,000 with uniforms etc and all the other hidden costs, then UK boarding for another £100,000, then 5 years at Uni another £150,000. Grand total circa £420,000 ages 3 to 23, probably more with all the money I loaned to squander at weekends. It was all worth it though as thank God i have a successful career now, or my Parent's would be absolutely crushed, and broke!

Mogit

You want them - you raise them, why because i decide i don't want kids should MY taxes be used for your benefit !!!

Responsible Parent

Totally agree Mogit - I don't expect anyone to pay for my children except me and my partner. It was our choice to have them and so it is our responsibility to look after them.

Finance Kid

One mustn't forget the cost of housing. A couple would probably move up from a flat to house, there's another 150k mortgage for 21 years on top of fees to sell and buy. You need to take into consideration all extra and hidden costs

Si

A couple would do that whether they had kids or not.

There's also something called 'hand-me-downs' and not having all the latest gadgets. It's the way we all used to live, but apparently it's not the done thing anymore.

Responsible Parent

I chose to have children and therefore they are my responsibility. I do not expect anyone else to take care of them financially, emotionally or in any way. I would even go so far as to say that I would be more than happy to pay for my children's education rather than expect tax payers money to be used to fund schools. Those who are childless either by choice or because nature has taken away their options should not have to pay taxes so that others can procreate. You want children then you pay for them - that's how it should be.

All these income support scroungers who procreate like rabbits for money are a disgrace to the human race and I despise the fact that I have to pay tax and social to pay them to so this. My hard earned income should be mine to use as I wish on myself and my children and not given to chacs to quander on alcohol, drugs and fags.

to get back to the point

So if you subtract the cost of fee paying schools, which is a luxury (as in not essential, because there are free schools), but keep the uni costs in, because there aren't any free universities - would it still cost more than the UK to bring up a child in Jersey?

I think it would.

Jenny

Has it ever occured to you that some of the money you pay in taxes will go towards medical treatment for smokers or drug addicts or to pay for prisoners at La Moye. Are you really so naive as to believe that your tax money all goes towards what you consider to be worthy causes. Get real!

ExJerseyMan

What a stupid bloody story.

"It was recently revealed that bringing up a child from birth until their 21st birthday in the UK costs £222,000.However, a financial adviser in Jersey estimates that to be nearer half a million pounds for parents in the Island who send their children to fee-paying schools and fund them through university."

This just in !!

"An adviser also estimates if you buy them a Bugatti Veyron for their 21st birthday and have U2 play at each birthday party from age 1 to 21 the cost will rise to 10 million pounds"