養個孩子花的錢竟抵得上一幢房？！

It costs more to bring up a child than to buy the average semi-detached house, a report has found.
某調查報告稱，如今撫養一個孩子所需的費用已經超過了一幢普通半獨立式住宅的價格。

Raising a child from birth to the age of 21 in Britain now costs £231,843 – considerably more than the £219,255 price tag of the average semi-detached home, as recorded by the Halifax house price index.
哈里法克斯（Halifax，財富五百強公司之一）房屋價格指數顯示，在英國，一個孩子從出生到21歲所需的撫養費用竟高達231,843英鎊，而一套一般的半獨立式住宅也只用219,255英鎊。

Soaring childcare rates are behind the total cost increase of more than £2,500 in a year and £13,000 in five years, according to research published by insurer LV=.
LV=保險公司調查顯示，養孩總花費飆升的背後是兒童託管費的大幅上漲。兒童託管費每年上漲至少2500英鎊，五年就是13000英鎊。

Nursery, nanny and babysitting fees, particularly in the preschool years, now account for nearly a third of the total expense of raising a child to adulthood.
如今，上託兒所和僱傭保姆的費用（尤其在學齡前階段）佔了養孩總花費的近三分之一。

Childcare charges account for £70,466, according to this year's figures, up from £67,586 last year and £50,592 ten years ago.
從今年的數據來看，兒童託管費從去年的67,586英上漲到70,466英鎊；而在十年前，這個費用爲50,592英鎊。

Education, which includes school uniform, trips, textbooks and university tuition fees, also makes up nearly a third of the total budget, costing £74,430 throughout the child's life.
教育費用（如校服、出遊、課本和大學學費）也佔去了養孩總花費的近三分之一，約爲74,430英鎊。

A private education at a day school would add £141,863 on average to the total, while boarding school would add £260,927, according to the research compiled by the Centre for Economics and Business Research (CEBR).
經濟與商業研究中心研究顯示，孩子若在走讀私立學校接受教育，家長需額外支付141,863英鎊；如果是寄宿學校，則是260,927英鎊。

A further £19,004 on average was spent by parents on feeding their child, £10,942 on clothing, and £4,614 on pocket money.
另外，餐飲費用平均要花19,004英鎊，服裝費用爲10,942英鎊，還有零花錢4,614英鎊。

The bill for entertaining a child was also high, with £16,882 spent on holidays, £9,307 on hobbies and toys and £7,464 on leisure and recreation.
娛樂費用也是居高不下：假期需花費16,882英鎊，興趣愛好及玩具方面9,307英鎊，以及休閒活動費用7,464英鎊。

Parents paid an average of £14,195 for one-offs such as birthday and Christmas presents and driving lessons.
還有一年一度的生日、聖誕節禮物和像駕駛培訓這種一次性花費，家長平均也要承擔14,195英鎊。

The most expensive years were between the ages of one and four, when parents spend a total of £63,224 on average.
其實家長花錢最多的是在孩子一至四歲的時候，平均爲63,224英鎊。

These years also saw the biggest rise in cost year-on-year, with the total up 3.5 per cent on 2015 prices.
近幾年，養孩費用漲勢最爲迅猛，與2015年相比，上漲了3.5%。

London was the most expensive place to bring up a child, with the total cost in excess of quarter of a million pounds - £253,638. It was £214,559 in the cheapest region, Yorkshire and the Humber.
倫敦是養孩最貴的城市，總花費竟超過了100萬英鎊的四分之一，達到了253,638英鎊。養孩花費最低的地區是約克郡和亨伯，約爲214,559英鎊。

Children now take up a third of the average household's net income, and six out of ten parents surveyed by LV= said they were struggling to manage their outgoings.
如今，養孩費用在普通家庭淨收入的佔比達到了三分之一。LV=公司調查顯示，十分之六的家長承認自己有些吃不消了。

Three in five parents said they had asked friends and family to help with childcare but half said people were less available than they used to be.
五分之三的父母說，他們已經向親友求助，請他們幫忙照顧小孩，但半數家長表示，願意伸出援手的人比以前少了很多。

One in seven parents in the UK use a babysitter more than once a week, rising to half of parents in London.
在英國，七分之一的父母每週僱傭保姆超過一次；而在倫敦，有一半的父母對保姆有此需求。

Myles Rix, of LV=, said: 'The cost of raising a child is at an all-time high and, with the price-tag of childcare continuing to rise, family incomes are being stretched even further.'
LV=公司的邁爾斯·裏克斯說：“眼下，撫養孩子的支出達到了前所未有的新高度；而隨着託管費用持續上漲，在這方面所花去的家庭收入也會越來越多。”