I took a 20% pay cut for 8 months so I could spend an entire summer with my kids. It was worth it.

• As my maternity leave after having my fourth child was ending, summer was starting.
• I wanted to spend the summer with my kids, and I looked for a solution.
• I ended up taking a 20% pay cut for 8 months for another 73 days off.

Our fourth child was a happy surprise, and arrived on the scene when we were busy putting out metaphorical fires with our 4-year-old twins and our 2-year-old daughter, who seemed to spend most of their time playing and fighting.

We felt like we already had a lot of kids. Not too many, but enough. When I learned I was pregnant, we asked ourselves, what was one more?

As my maternity leave was ending, I still wanted more time

Nine months later, the real party began. My maternity leave started coming to an end just as we were facing a very long summer: 12 weeks, from June 20 to September 8, with no school. We live in Spain, and were about to face one of those eternal Spanish summers I remember so well from my own childhood: long, hot days full of sand, sea, salt, swimming pools, and, yes, boredom.

Our monthly expenses were already higher than ever (diapers, onesies, baby food, and all those brand-new baby things I'd previously gotten rid of because I thought we were done having kids). Still, I decided to take a 20% pay cut in exchange for more time, simply so I could get us through the summer.

That decision meant more time with the baby, obviously, but also with the rest of my kids, who are still just older than babies themselves. The difference is that 40 years ago, in many families, one salary — usually the man's — could support a household. Today, both parents often need full-time jobs and want to have professional lives of their own. This is the case for us, and it's not particularly compatible with looking after four very young children for 12 weeks.

Taking a pay cut gave me an extra 73 days off

By agreeing to a 20% pay cut for eight months, I was able to combine my reduced working hours into 73 full days off instead of working shorter days each week. Together with my maternity leave, weekends, and public holidays, those extra days allowed me to stay home with my children much longer than I ever expected. I didn't have to return to work until my baby was 10 months old. It was a financial sacrifice, but it gave me something I couldn't put a price on: more time with my children. Face to face.

It sounded stressful when I thought about it. In reality, it turned out to be a dream. I've had the best summer of my life, and I'm afraid I may never get another one quite like it.

Since June, the weeks have passed slowly, as we looked for activities to fill the days: painting, drawing, gluing things together, doing yoga or gymnastics, trying to get everyone to nap at the same time, and, obviously, spending hours by the pool and at the beach.

There were moments when the baby wanted to breastfeed while my little girl needed a diaper change at the pool, with me sitting on the edge, trying to manage both. Or one kid suddenly needed to pee while the others were happily playing in the water. It has been a crash course in patience, caregiving, and motherhood.

But the interesting part isn't just how much fun we had. It's how much money we saved by doing it this way.

We saved so much on childcare that it didn't make much of a difference

I lost €10,000 (about $11,200) by taking the pay cut, which is a lot of money when you have this many kids. But I also avoided paying for the baby's day care, which costs around €700 a month. Over three months, that's about €2,100. Summer programs for the other three children would have cost around €200 per child a week. Over 12 weeks, that comes to €7,200.

Put it all together, and we would have spent about €9,300 on childcare over the summer anyway. So, in practical terms, we gave up roughly €700 so I could spend an entire summer with our four kids.

It a good trade.

Then there's everything that doesn't fit neatly into a spreadsheet: everything we learned together about being a family, sharing things, expressing ourselves, respecting each other's rhythms, and simply waiting for things to get done, something you do a lot of when there are four small children involved.

Financially, it turned out to be a good decision for us. Emotionally, it was even better.

The question now isn't really how much we saved or lost. It's what we're going to do next summer.

We'll see.