It costs more to bring up a child than to buy the average semi-detached house, a report has found.

某调查报告称，如今抚养一个孩子所需的费用已经超过了一幢普通半独立式住宅的价格。

Raising a child from birth to the age of 21 in Britain now costs £231,843 – considerably¹ 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，财富五百强公司之一）房屋价格指数显示，在英国，一个孩子从出生到21岁所需的抚养费用竟高达231,843英镑，而一套一般的半独立式住宅也只用219,255英镑。

Soaring² 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=保险公司调查显示，养孩总花费飙升的背后是儿童托管费的大幅上涨。儿童托管费每年上涨至少2500英镑，五年就是13000英镑。

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 adulthood³.

如今，上托儿所和雇佣保姆的费用（尤其在学龄前阶段）占了养孩总花费的近三分之一。

Childcare charges account for £70,466, according to this year's figures, up from £67,586 last year and £50,592 ten years ago.

从今年的数据来看，儿童托管费从去年的67,586英上涨到70,466英镑；而在十年前，这个费用为50,592英镑。

Education, which includes school uniform, trips, textbooks and university tuition⁴ fees, also makes up nearly a third of the total budget, costing £74,430 throughout the child's life.

教育费用（如校服、出游、课本和大学学费）也占去了养孩总花费的近三分之一，约为74,430英镑。

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 compiled⁵ by the Centre for Economics⁶ and Business Research (CEBR).

经济与商业研究中心研究显示，孩子若在走读私立学校接受教育，家长需额外支付141,863英镑；如果是寄宿学校，则是260,927英镑。

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，餐饮费用平均要花19,004英镑，服装费用为10,942英镑，还有零花钱4,614英镑。

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.

娱乐费用也是居高不下：假期需花费16,882英镑，兴趣爱好及玩具方面9,307英镑，以及休闲活动费用7,464英镑。

Parents paid an average of £14,195 for one-offs such as birthday and Christmas presents and driving lessons.

还有一年一度的生日、圣诞节礼物和像驾驶培训这种一次性花费，家长平均也要承担14,195英镑。

The most expensive years were between the ages of one and four, when parents spend a total of £63,224 on average.

其实家长花钱最多的是在孩子一至四岁的时候，平均为63,224英镑。

These years also saw the biggest rise in cost year-on-year, with the total up 3.5 per cent on 2015 prices.

近几年，养孩费用涨势最为迅猛，与2015年相比，上涨了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.

伦敦是养孩最贵的城市，总花费竟超过了100万英镑的四分之一，达到了253,638英镑。养孩花费最低的地区是约克郡和亨伯，约为214,559英镑。

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，养孩费用在普通家庭净收入的占比达到了三分之一。LV=公司调查显示，十分之六的家长承认自己有些吃不消了。

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.

五分之三的父母说，他们已经向亲友求助，请他们帮忙照顾小孩，但半数家长表示，愿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.

在英国，七分之一的父母每周雇佣保姆超过一次；而在伦敦，有一半的父母对保姆有此需求。

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=公司的迈尔斯·里克斯说：“眼下，抚养孩子的支出达到了前所未有的新高度；而随着托管费用持续上涨，在这方面所花去的家庭收入也会越来越多。”