After five years and two adoptions, I still have people asking me the question that seems to be on everybody’s mind: HOW DO YOU AFFORD ADOPTION?
Do NOT assume that :
A. we are rich
B. we have $15,000 sitting around in savings and were not sure what to do with it.
Unfortunately, these are the things that people assume, even when they are not true. Most of the time I get this question from people who can’t seem to believe that average people can afford to adopt. It is asked by people who are not interested in adoption and are more likely just curious as to how we did it because we don’t live in a McMansion or drive BMW’s. Don’t get me wrong, if someone is seriously considering adoption and wants to know more about our financial plan for adoption, I’m happy to share it with them. We have afforded adoption the same way that average people afford cars, college, mortgages, preschool, private school and more. The answer is living on a tight budget, working extra jobs, saving income every month (and not using that money for other things) and through the kind donations of others, as well as grants from various places. It is NOT easy. It takes hard work, time, and perseverance.
If you are tempted to ask how someone affords adoption, consider some of the same questions:
How do you afford to buy your own house? Answer: a combination of saving for a down payment and applying for a loan.
How do you afford a new car? Savings and possibly a loan, depending on the type of car.
How do you afford preschool, day care, private school, private lessons, sports clubs, etc.? You save for it. You work it into your budget.
How do you send your child to college? Savings, extra jobs, loans and more.
So how does someone afford adoption? The exact same way. Savings. Loans (there are low interest loans specifically for adoption), and adoption grants. Although we have not taken out a loan for our adoption, that is God’s grace. He has provided some other means for us, including grants and donations.
Most people give up before seriously considering adoption because the cost is overwhelming. I find that ironic, since those same people go out and buy “toys” for themselves that cost significant cash: cars, motorcycles, and more and yet those costs do not overwhelm them. Yet compare the two and ask yourself: How long will a car last? Ten years, fifteen years, if that?
How long will my child be a part of my family? Forever.
I was very frustrated yesterday when someone close to me (who has witnessed me working 3 different jobs for this adoption) said “How are you affording this?” Deciding to adopt is not like deciding to have a baby. You have to come up with a financial plan long before you actually begin the process. Anticipate that it will take you several years (unless you have a well stocked savings) to actually adopt a child. You also should have at least one stable income to live on that pays all your regular bills and expenses, so that any extra jobs you take on can be put into savings. We started with nothing when we started this adoption. We came up with a financial plan. God provided me with several jobs that really helped us save the money. He provided us with other sources too, including private donations, a grant and a donation from church.
Adoption is a calling and if you have been called, God will provide you with the means. It’s not easy. And it sure is a faith builder! It may mean taking on extra jobs that make you feel stressed and busy. It means wondering how you will save enough. It means that once you’ve paid your adoption expenses you might not have much left in your savings which makes you feel vulnerable (which is where we’re at!) But if you are called to this, and have prayed about it and feel He is leading you to do this, it’s something that God will provide for. You do not need to be wealthy or have anything in savings. It’s a financial commitment that means saying no to other things you really want, in order to bring a special child of God’s choosing into your family. When you follow that call, there is nothing more valuable. I’m starting to learn what God can do when I have an open mind and a little bit of faith.