Having 5 kids is a whole lot of fun

It should be fairly clear by now that the husband and I adore kids. I’d describe this in detail but then wait, I already do it all the time on the blog. Pretty much every post I’ve ever written is a variation of how much I like these 5 babies.

Oh and here’s a fun fact. When the husband comes home from work every day, I make him listen to how adorable the kids have been that day. He gets the full on unedited director’s cut version of the blog (with run on sentences and everything!) and to his credit, he displays a level of enthusiasm that is remarkable considering that none of this is groundbreaking material. That’s some true love right there.

But then that’s what babies do; they take your heart and do some crazy magic to it and make you happier than you ever thought you could be.


Having 5 kids is borderline insane behaviour and one of the things I get asked quite a bit is how much it takes to raise so many kids in Singapore.

When it comes to money, I think we can all agree that the universal rule is: MORE IS ALWAYS BETTER. But it’s all relative, though, right? How much is enough in terms of actual dollars?

I suppose the best way to approach this is to talk about our experience of raising these babies.

Okay, let’s back it up a bit. The husband and I are from very average middle-income families, or what one might call low SES. When we graduated from NTU in 2005, we had a combined total savings amount of like $23, just enough to meet the minimum $20 withdrawal amount for emergencies. We couldn’t afford grad trips or fancy restaurants or even to take our time in finding a job.

Fast forward to 10 months after we got married, to the moment we discovered that we were having Truett. After the celebratory euphoria died down, we looked at each other and said “What have we done? How are we going to afford this baby?”At that time, we had a 4-room HDB (yay!) but still not much savings because most of it had gone into the down payment+ renovations for the house (not so yay).

To make things even more exciting, I left my job soon after Truett was born so we were effectively down to a single income.

More bills + less money = so much fun!

Those first two years after we had Truett and Kirsten back to back were some of the most difficult years we’ve gone through financially.

The husband was working hard to keep us afloat while I tried every possible way to supplement the family income on top of watching the kids at home. I started evening tuition jobs – the husband would rush home at 7pm to tag me on baby-watching duties so that I could go tutor kids on A’ Level GP. I worked on every writing/editing job that came my way, even those that offered to pay me in exposure and portfolio development. I took on every data-entry work-from-home job that was available and was glad for it. I tried property sales for a while but seeing that I had difficulty selling a sandwich to a starving person, a sales job wasn’t a great fit.

Meanwhile, we kept a very close eye on the expenses, trying to stretch every dollar and make it count.


This experience has taught us that raising kids can cost as much or as little as we want it to.

When Truett and Kirsten were babies, the main expenses required were for necessities like milk powder, diapers and doctor’s visits (hello, polyclinic!). With Kirsten on breastmilk for 9 months, we were looking at an additional $300-400 for both kids a month.

As for all the other costs, they were nice-to-have extras. We got tons of clothes handed down from friends. And toys? All of their favourite toys were stuff like makeshift DIY rice shakers or non-toy items like remote controls. Besides, mom is more fun than toys so we did a lot of improvised um, creative play.

How about the scariest cost of all, childcare? Right from the start, we were clear that fancy preschools were out of the question. One place that we really liked had a monthly fee of $1,080 after subsidy and while it was excellent, we considered it insane to have to shell out an extra $2,160 every month so that option got canned real quick. Finally, after visiting almost all the preschools near our home, we chanced upon a program called Flexi-Care at a school which cost $275 a month (unfortunately, that program was no longer offered after 2012, but they allowed Truett and Kirsten to finish up K2 at that price). With the CDA co-savings, it worked out to only $137.50 per kid.

This might all seem very extreme, but what I’m saying is that it can be done. We survived raising our first 3 kids on a mostly single income with some lifestyle adjustments and careful planning.

It’s since been much easier financially but we’ve kept to our philosophy of managing the kids’ expenses carefully. This includes handing down baby clothes, buying baby gear second hand, making regular trips to the library to borrow books, and selecting an affordable preschool for Finn and Theo.

And now for a game of spot the difference. I meant to do a collage of the kids wearing the same clothes but LOOK AT THESE BABIES THEY ARE ALL CLONES.

Now that our budget isn’t as tight as it used to be, the one thing we splurge on is travel, which for us, is the best thing we can possibly buy with money. The time spent on adventures together as a family and the memories we get to create make it totally worth it. Although that brings me back to the point about deciding how costly raising kids can be. During the earlier years, we were happy just making memories at home and taking short trips to Sentosa for the day. When we could afford longer trips to Disney World, those were pretty rad too.


This seems like a good point to highlight some of the government schemes that helped us a lot with the costs of having kids. You might be familiar with Baby Bonus and the CDA, which were a huge help for us in managing the kids’ childcare fees, but there are other schemes to help with costs.

From the get go once you discover that you’re pregnant, the costs will start adding up. Pre-delivery maternity checkups can range from $70-$120 per consultation, with additional scans and tests costing upwards of $200. The actual delivery + hospitalisation costs for our kids were in the range of $2,800 (Kirsten – natural birth with epidural, KKH double bedder) to $4,500 (Truett – caesarean, Mt Alvernia double bedder).

When we first saw Truett’s delivery bill, I had a mild panic attack on top of all that pain from my c-section recovery.

It was a great help that a substantial portion of the medical bill (plus $900 for pre-delivery check ups) was claimable from Medisave, which meant that the amount required in cash was only a fraction of the total cost.

4 months of paid maternity leave is also very useful. It’s stressful enough having to adjust to the trauma of dealing with a newborn without having to worry about work stress. The leave is flexible so it can be taken all at once or spread out over the next 12 months after the child is born.


Looking back, would the journey have been much easier with more money? For sure. We had to make some adjustments and give up certain luxuries in favour of other more pressing needs like baby necessities, but it wasn’t like a tragedy or anything. We weren’t miserable or mopey about having to make these sacrifices.

Quite the contrary. It was such a delight waking up to Truett’s giggles and adorable baby talk at the crack of dawn every morning. We would pretend to be asleep, hoping that he’d take the hint and go back to bed, while secretly trying to peer at his squishy face because it’s the cutest thing I ever saw and I couldn’t help myself. It was the best game of peekaboo ever.

Was it hard sometimes and did we have to give up stuff along the way? Yes. Would we do it all over again? A hundred percent, yes.

from around here

Holiday shenanigans

So the kids are back in school this week and I discovered that I’ve grown fond of the school holidays. I really enjoyed having the house filled with rowdy kids for a whole month, I think it reminds me of a time where all my babies were small enough to be home all day keeping me company.

We had all the time in the world to go on spontaneous cycling trips to Coney Island or water play outings at Gardens by the Bay.

I used to breathe a sigh of relief once the start of the new school term rolls around again, but this last Monday morning when all the kids were back in school, I sat sipping my coffee in a quiet house (baby Hayley was quietly fixing her Peppa Pig puzzle beside me) feeling like my life is missing something.

This is probably why I said yes to the kids having bunnies. Now when everyone is in school and Hayley is napping, I’ll be hanging around the bunnies talking to them like they’re my babies.

The husband is like “give it 10 years when the kids are all big and you’ll have 2 dogs, 3 cats, and a whole family of bunnies.” That does seem like a very likely possibility.


Truett is 10 but he’s been eating like a bodybuilder who hasn’t seen food for days. He’s like Gaston on a rampage. Is this normal? It’s a lot of food and I don’t know where it all goes.

He wallops 2 double sliced tuna melt sandwiches + eggs + a large cup of chocolate milk for breakfast, an adult portion sized bowl of noodles + a side of 4 chicken wings for lunch, and 2 full bowls of rice + all the dishes for dinner. Right around dinner time everyday, he’ll be hanging around the kitchen asking “Hey mom, what’s for dinner?

I’ll say something like “Rice, ABC soup, salmon, spinach, steamed pork ribs” and he’ll be like “Is that all?? That’s like very little. How about pork chop? Can we have pork chop as well? Or remember the chicken you made that day? That was not bad, I don’t mind some of that chicken. Or maybe both? Chicken AND pork chop?

I don’t have time to do both on top of everything else but ok fine, some extra chicken coming right up, your highness!

And that’s only his regular meals. In between, he’s scavenging the fridge for snacks or asking me to fix him something. He came back from school yesterday and the first thing he said was “MOM I’M VERY HUNGRY, I NEED FOOD!!” He had already eaten lunch in school (noodles + mashed potato + milo) and he was still able to polish off half a rotisserie chicken + a hot dog sandwich + a whole bowl of grapes. It didn’t seem to affect his appetite for dinner either.

Amazingly, he’s still as skinny as ever, it’s like magic.

By the time all 3 boys become teenagers, I’ll have to operate an all day on demand food service at home. Or look into subsistence farming so I can make them grow their own food. You want potatoes for lunch? Here’s a shovel, go harvest some from the garden. You want scrambled eggs? Go get them from the chickens.


Watching Finn and Theo interact is one of my favourite things to do. In this relationship, Finn has to play the role of reluctant big brother even though it’s not really in his nature to be assertive. He has to be the one to teach Theo important things like the rules of UNO, and feed him snacks.

Theo, while being 2 years younger, has the personality of a hurricane so most of the time, he’s imposing his own ridiculous rules on Finn, who alternates between exasperation and resignation.

Negotiations for soft boiled eggs are taken very seriously around here

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Look who’s two!

Also celebrating her birthday in June is little squishy cheeks right here, who despite my best efforts in telling her to stop growing, is now two years old.

Happy birthday sweetheart, but also this is entirely unacceptable.

How did it happen? Clearly this baby needs to work on her instruction-following skills. Right now, I’d rate it a 2/10 if I’m being optimistic. It’s like she’s not even trying.

I would be a lot sadder about this development but as it turns out, two years old happens to be my favourite age so I’m reluctantly allowing it while strongly registering my disapproval – all this growing business is to be halted immediately.


Two year old Hayley is a dream and I can’t get enough of this baby. She’s sweet and adorable and feisty and funny and perfect in every way.

As an infant, her cuteness level was very high, but I had to pay the price (in the form of sleepless nights and exhaustion and long-suffering) in order to get to the good parts. Remember those days? I do.

But right now, it’s all just good parts and I’m enjoying this phase immensely.

She’s all talky talk non stop these days, which is the cutest thing. For the record, I’m all down for babies learning to use words because it’s been a huge turning point in our relationship. I tried watching those youtube videos on deciphering babies’ cries (THEY ALL SOUND THE SAME!!) but I always had difficulty understanding her very loud and angry high pitched screams. And now that she’s using words that I understand? Yes please!

Like when she’s tired, she announces “I’m very tired, I need to sleep” and I bring her to bed and she sleeps and problem solved. When she wants a snack, she asks for it and I fix her a snack. When she wants some momma lovin’, she yells “KISS ME, MOM!!” and grabs my face for a kiss and I cannot even.

Maybe its all that interaction with her siblings, but she’s got a wonderful sense of humour. She saw Theo trip and fall the other day and started laughing really hard and I was like “Hey, don’t laugh at your brother, falling down is not funny!” and she retorted back with “It’s a bit funny” and okay fair enough, it is a bit funny. Just make sure they’re fine before laughing.

She adores all of them though. Her favourite thing in the world is just to follow them around and be part of their madness. She’s finally big enough to get in on all the action and she’s terribly pleased about it.

One of the benefits of being the baby around here is that she’s got everyone wrapped around her tiny little finger and she knows it. She makes her 3 brothers take turns giving her unicorn rides (on their backs) and bouncy castle rides (on their tummies) and airplane rides (on their feet). Whenever she’s bored, she saunters up to one of them and says, “kor kor Finn, I want sit bouncy castle!!” and he will be like “ok sure!

If it so happens that Finn is busy and replies with “later ok baby? kor kor is reading a book,” she turns on her bambi eyes and says “Pleeeease?? Just small tiny one?” and immediately, her brother will be all “”aarrgghh, ok fine fine come sit here on my tum tum…

Sometimes I think about how close we were to not having this baby and I’m so glad that we did the crazy thing and went for baby #5. :)