While big-ticket items can put your budget over the edge, more often it's the little things that add up resulting in budget death by a thousand small cuts. Like haircuts for instance. One other surety is that your children's hair will keep on growing and growing. Based on an average for a child under 12. Assumes nine haircuts per year.
All costs are in the first year.
Dealing with stranger anxiety of very young children. An hour of your time in transit and waiting. Dealing with stranger anxiety of very young children. 45 minutes in transit and waiting. Concern about getting a less than great haircut.