The cost of having or raising a child is often the most considered issue among couples planning to start or grow their family. 

It's not just the shopping trips for prams and cots and nappies - it's the income loss over the months of parental leave and the endless sick days once daycare starts up. 

Plunket estimates a medium-budget cost for raising a child for the first year comes to just under $16,000. That works out to a whole lot of sacrifice. 

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