As you probably know, baby expense should be high on your list of things to plan for, before the baby comes. There is no cheap way to have and raise a baby: it takes sweat, work, lots of cash, patience, and more to have a happy, healthy baby. Some studies suggest that you will spend anywhere between €100,000 and €150,000 for your kids by the time they are 18 years old, not including private schools, special lessons, or college.