Can you afford to take risks when you’ve got kids?

During the World Cup Final at the weekend Hubs reminded me of where we watched it 4 years ago. We were in Praz de Lys, a hamlet/village in the French Alps (Haute Savoie), enjoying a final French holiday before packing up our French life to move to the UK.

Father and daughter in the French Alps in the summer.
Hubs with a 3 and 1/2 year old L in Praz de Lys, July 2010.

On the 18th June 2010 we made the decision to leave our life in France and move to the UK. For me that meant leaving behind 12 years of my life; I lived in France from the age of 22 until the age of 34. For Hubs it meant leaving the country where he had lived for 33 of his 34 years. For L it was the country she was born in and where she had lived for her first 3 and 1/2 years.

On the 19th July 2010, after a day on the beach, we packed up our final 3 suitcases and boarded an evening plane bound for Gatwick, where we were met by my mum and dad. In a month we had resigned from a job, closed down a business, given notice at L’s school, sold most of the contents and furniture of a 4 bedroom flat, sold a car, closed down utilities’ contracts, given notice on our tenancy and said our sad goodbyes.

Friends on a night out.
Bidding a sad farewell to the two friends I went out to Nice with as a 22 year old

A lot has changed in those 4 years between the two world cup finals. On 19th July 2010, Hubs, L and I moved in with my parents. That’s right, at the age of 34 I moved my husband, 3 and 1/2 year old daughter and myself back into my childhood home with my mum and dad. Both Hubs and I were unemployed. We had no home. No car. And very few possessions.

In those 4 years we both got good jobs – Hubs tripled his French salary, I doubled mine, and we were both promoted within 6 months of starting our London jobs. We moved from my parents’ house into a (rented) house in London. We both started blogs – we now have 3 blogs between the two of us. We had a second child, another girl. I set up my own business and started writing. Hubs stopped work to launch his own business. And that saw us take our third risk since becoming parents.

Sisters on a sofa.
Can we afford to take risks when we have kids?

We took our first risk 8 years ago. We owned a 4 bedroom house, with a pool in the back garden, we had a car, and both Hubs and I had good well-paid, secure jobs. But we wanted to set up our own business. So despite me being pregnant with our first baby (L), and despite having a mortgage to pay, we decided to launch a luxury, travel agency, offering bespoke holidays to the French Riviera.

We learnt how to tighten our belts in a big way, and how to work around L being awake/at the childminder’s. We had some incredible experiences before deciding to close the business down as the recession hit globally, adversely affecting businesses the world over.

3.14 luxury hotel Cannes.
Checking out a luxury hotel in Cannes in an overnight stay for our business

Setting up our business was risk number 1. Our second risk came in 2010 when we decided to jack our work in all over again (Hubs as an employee, and me as a business owner), in order to relocate to the UK and to find work here. When we left France we had no guarantee of finding work, we had a 3 and 1/2 year old daughter to support, and some savings but not much.

I remember the phone call I had with my mum before moving to England; “Hi Mum, it’s me. Look, is it ok if Hubs, L and I move in with you and Dad? Indefinitely. Well until we find jobs and somewhere to live. Oh good, thanks!”

I’m very lucky in that my parents are always very supportive, and whilst they can’t really help us out financially (that’s what happens when you have 4 siblings!), they were able to provide a roof over our heads, which was our stepping stone to the next stage of our lives: London.

Risk number 2 paid off. Whilst we miss France (you can read about how I miss France here), moving to the UK, and to London, was by far one of the best decisions and risks we’ve ever taken.

And finally came our third risk. Whilst celebrating our 10th wedding anniversary, on a child-free holiday in Sharm el Sheikh last autumn, Hubs and I made the decision that he would stop work to concentrate on a couple of business plans we’d been working on for a while.

Couple on holiday on a boat in the Red Sea.
Making big decisions whilst on a boat on the Red Sea

And that was that. We plunged into the unknown again. And the lack of money. Again. But it looks like it’s beginning to pay off. In September Hubs will be launching his own training course for French-speakers wanting to learn how to invest their own money in the stock market (French-speakers can follow him on his blog: Bourse Ensemble which means Stock Market Together). Although his training course is not yet available to buy he already has a long list of people waiting to buy it, which is always a good sign!

Bourse Ensemble blog.
Hubs’s French language blog on investing in the stock market: Bourse Ensemble

On top of that, Franglaise Cooking, the food blog that Hubs and I launched early in 2014, is seeing its own success: we were shortlisted for a prestigious BiB (Brilliance in Blogging) award just 3 months after we started out, and since we started people have asked us, via the blog and social media, if we would consider bringing out a book. Never one to turn down a challenge, Hubs and I have taken this onboard and in September we will be bringing out a cookbook, as an ebook and a classic paper version too. In response to the demand of our French friends, there will be a French version coming out shortly afterwards too.

Franglaise Cooking food blog.
Our Franglaise Cooking food blog

So will this third risk work out? Who knows? We hope so, you have to as otherwise there’s no point in taking the risk.

Most of our friends, Brits and French alike, have thought we are mad on the undertaking of all three risks. We have heard “You can’t take risks like that when you have kids!” or “you’re mad, how are you going to survive?” along with “you can’t sell your house/car/baby items….”.

Hubs and I aren’t risk averse, but equally we don’t take crazy risks. We make sure there is a decent chance of success before going for it, and we make sure we have back-up plans in place. It’s scary. It’s hard. It’s exhausting. But if it all works out……it’ll all be worth the risks and the sacrifices.

So don’t let anyone tell you that you can’t afford to take risks when you’ve got kids. To quote one of my favourite books, “feel the fear and do it anyway”.


15 thoughts on “Can you afford to take risks when you’ve got kids?”

    1. Thank you so much lovely, so many exciting things going on here at the moment :-) Reading what you get up to is always such an inspiration though, you’ve had so many successes recently which motivates me too xx

    1. Thank you, we’re lucky in that we can work together and have quite complementary talents and skills, which does help!

  1. It’s lovely that you work together with your husband to take risks and achieve the next goal in life. I guess you have to take risks if you want to want to achieve great things, whether or not you happen to have kids! Good luck with the latest venture!
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    1. Thanks. It can be scary but I like to push myself out of my comfort zone…..most of the time.

  2. Great read again Sophie.

    I’ve got some more survival questions for you.

    Congratulations to you and Ben for having the courage to do your thing.

    We look forward to using your inspiration to help us achieve our goals.


    1. Good luck with your move to the UK, I look forward to hearing all about how you get on.

    1. Aww, thank you :-) Your comment made my day! We want to improve things for ourselves but also to teach our kids not to be afraid, and to go out there and just try things.

  3. Wow Sophie. Amazing what you and OH have done with your lives over the last decade. A great inspiration for your girls too just to see that you’re both able to jump in at the deep end with a little preparation. To be shortlisted for a blogging award too after only 3 months is amazing! Jo x

    1. Thanks Jo! We were really surprised about being shortlisted for the awards as we didn’t even ask to be nominated. We hope to be an inspiration to our girls :-)

  4. A fantastic and inspiring sequence of stories, Sophie. I was pondering just the other day how easy it is to become overly risk-averse once kids arrive on the scene. I think it’s inevitable for most people to a certain degree, but I know I’ve probably become a bit too conservative as a middle-aged dad. Time to live the example I’m trying to teach my children about being willing to make mistakes by trying new things!
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