Childcare costs?
12 October 2004, 04:59 PM
#31
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Jay-i agree, i think just baby company would drive me 
eventually lol but my earnings would not cover childcare and the whole point of me returning to work is to have an income which is essential. Not sure if there are any benefit type things to help with childcare, i will check it out i think.
eventually lol but my earnings would not cover childcare and the whole point of me returning to work is to have an income which is essential. Not sure if there are any benefit type things to help with childcare, i will check it out i think.
12 October 2004, 05:11 PM
#32
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One more point to consider, generally the more popular/reccommended the childcare, the longer the waiting list, get your name down on a few of your prefered places as soon as you know what/where they are. 
12 October 2004, 05:21 PM
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we've settled on 3 days a week in the creche.. Vonnie gets thu-sun at home, ellie 3 days socialising and interacting with other kids. Seems to work well.
BTW we found one in Ewell charging 1200pcm and FULL
BTW we found one in Ewell charging 1200pcm and FULL
12 October 2004, 05:28 PM
#34
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Steve tell me about it, we are seriously considering a childcare based business venture, most round here are IMO below standard charging £1k a month!! per child!! on average 30 places!!with 6 month waiting list!!
I did the maths and fell off me chair
I did the maths and fell off me chair
Last edited by Jay m A; 12 October 2004 at 05:30 PM. Reason: Month, not week,lol
12 October 2004, 05:35 PM
#35
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But who would want to look after 8-10 1 year old's all day every day...... just one of them is enough for me ( teeth no. 9+ are a fricking nightmare btw )
I'd like to see how much the liability insurance is for these places though.....
S
( teeth no. 9+ are a fricking nightmare btw )I'd like to see how much the liability insurance is for these places though.....
S
12 October 2004, 05:43 PM
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You could be.
Two good friends of mine both got pregnant at similar times. They basically agreed that one would qualify to be a childminder and the other would go back to work, leaving the two sprogs together at home #1. It worked fairly well. Might end up being a sore test of friendship though....
Don't like any idea concerning benefit fraud, you'd never be able to show your faces in NSR again, you know what people here think about it
Two good friends of mine both got pregnant at similar times. They basically agreed that one would qualify to be a childminder and the other would go back to work, leaving the two sprogs together at home #1. It worked fairly well. Might end up being a sore test of friendship though....
Don't like any idea concerning benefit fraud, you'd never be able to show your faces in NSR again, you know what people here think about it
12 October 2004, 06:10 PM
#38
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Our nursery in Northampton charges £ 544.00 per month for full-time (5 days). We can drop little one off from 07:45hrs and collect upto 18:00hrs, later in required but at an additional cost.
This seemed to be an average price in Northampton.
This seemed to be an average price in Northampton.
Last edited by The Zohan; 12 October 2004 at 06:13 PM.
12 October 2004, 07:05 PM
#39
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Originally Posted by weapon69
Ringpeas-i looked into that tax credit thing and im not eligible due to my partners earnings
I'm totally screwed for money basically
:
I'm totally screwed for money basically:If he's above the threshold for tax credit, then I assume your not-so-poor partner will be contributing to childcare costs???????
Puzzled as to why this would not happen?!
13 October 2004, 09:22 AM
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Spot on Puff, not just the money side though, W69 wants to have a career as well but when it costs more for the child care then she will earn at the lower end of the ladder starting off in a career then it makes it very difficult. I certainly don't earn enough on my own to pay for 3 people to live and for child care and for my first sons child maintenance to his mum. So yes its a very catch 22 situation.
However we will work it out, its just a case of coming up with an answer thats viable for us.
However we will work it out, its just a case of coming up with an answer thats viable for us.
13 October 2004, 09:25 AM
#42
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Originally Posted by Puff The Magic Wagon!
I'm sure it will happen but W69 is obviously stuck in the catch22 situation where they need the extra income to make ends meet but can't afford the childcare to allow W69 to go out to work enough to pay for it & get the extra money.
Some people seem to think the goverment should be bailing them out when it comes to childcare. Not so. A bit of budgeting and cutting back here & there, and some lifestyle decisions. If, as a couple, you're above the thresholds for state help, there's no excuses.
It's tough, I admit.
13 October 2004, 09:45 AM
#43
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Originally Posted by imlach
Some people seem to think the goverment should be bailing them out when it comes to childcare. Not so.......
fair point, but I would rather see the tax I pay go to someone who wants to return to work, build a career and eventually pay something back, rather than to someone who has 57 kids and gets their income support delivered by securicor that has no intention of ever working in their life
13 October 2004, 09:48 AM
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Originally Posted by **************
**** off with your holier than thou attitude Imlach.
Honestly....if you're going to moan on about childcare, why the hell did you have one in the first place? People have been having children and coping for millions of years without state help - what's changed now?
13 October 2004, 09:53 AM
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Imlach, whilst I understand what you are saying in your inimitable way, having a child is often more of an emotional choice than a rational one. When we had ours I just assumed "I earn a decent wage, we'll be ok". In truth, we *are* ok, but it came as a bit of a reality check when I worked out how much was left out of my salary after paying *all* of the mortgage, and other household bills and expenses. My wife has gone back to work part time, and even though she is earning a good wage as a teacher, childcare still takes up the majority of her take home pay.
And no - we don't qualify for family tax credits!
And no - we don't qualify for family tax credits!
13 October 2004, 09:56 AM
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Originally Posted by ProperCharlie
Imlach, whilst I understand what you are saying in your inimitable way, having a child is often more of an emotional choice than a rational one. When we had ours I just assumed "I earn a decent wage, we'll be ok". In truth, we *are* ok, but it came as a bit of a reality check when I worked out how much was left out of my salary after paying *all* of the mortgage, and other household bills and expenses. My wife has gone back to work part time, and even though she is earning a good wage as a teacher, childcare still takes up the majority of her take home pay.
And no - we don't qualify for family tax credits!
And no - we don't qualify for family tax credits!
13 October 2004, 10:21 AM
#48
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Originally Posted by imlach
Of course. It involves cutting back, budgeting, and compromising. Which is what you've done. Of course you won't have the lifestyle you had pre-birth, but no-one is dumb enough to expect that are they?
<says prayer to the Gods of Railway contracting>
13 October 2004, 10:24 AM
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Honestly....if you're going to moan on about childcare
Instead they should be making it easier for the people who arn't as well off as you so widely announce you are imlach to be able to work and have assistance in meeting the cost of nursery fees which are very very expensive.
As for the cutting of lifestyle, there is nothing left to cut back. Selling my scoob, my only higher than average expense, would make absolutely no or very little difference to my monthly outgoings plus I would lose out massively on the resale cost due to not being able to literally give them away at the moment. Thats hardly a life changing financial burden keeping the scoob in comparison to what any other decent reliable car would cost me.
13 October 2004, 10:27 AM
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Originally Posted by ProperCharlie
Agreed, although it would be a little ironic if we ended up having to move to a smaller house on account of starting a family.
<says prayer to the Gods of Railway contracting>
<says prayer to the Gods of Railway contracting>
Of course, if one salary couldn't cover the mortgage & bills BEFORE the birth, then you'd be in a similar situation as regards moving, baby or not.
Aside from childcare (which you wouldn't require if one of you was unemployed), babies don't need to be very expensive at all.
13 October 2004, 10:36 AM
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Originally Posted by imlach
Of course, if one salary couldn't cover the mortgage & bills BEFORE the birth, then you'd be in a similar situation as regards moving, baby or not.
Fortuntely, B2Z has given me an idea and I will be suggesting that the wife and daughter move into a bedsit down the road and put the CSA onto me.
13 October 2004, 10:41 AM
#53
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LOL PC W69 seriously looked into this because the Government is so fcuked up in its way of thinking and handing out benefits that we would be massively better off if she went and did that. However to me the most important thing is having W69 and baby living with me as a family, and working on finding a suitable solution to W69 also being able to go to work at a later stage.
13 October 2004, 10:43 AM
#54
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PC
And that's often the problem - people often have kids without thinking of the consequences. Kiddy is born, the stresses (financial and emotional) get too much, parents split ..... and I (as one of the nation's taxpayers) have to pick up the pieces. It happens all the time, hundreds of times a week.
Having a child *shouldn't* be an emotional thing, or at least not to the exclusivity of all else. I knew before our first kid was conceived roughly what it was going to cost - we'd moved to the size of house we would need, done some rough sums on childcare/nappies/clothing & equipment, and knew that we could cover it. Several months before the birth, we started to look for childcare places, specifically a childminder who would take our screaming brat from 3 months.
It all takes time, but it's better to plan and be over-cautious than to think "it'll all be OK" when there's a fair chance that it won't. And I'd rather get the financial bit sorted, because the one thing I really underestimated whas just how awful the lack of sleep (feeding/crying/nappy changing) really was.
And that's often the problem - people often have kids without thinking of the consequences. Kiddy is born, the stresses (financial and emotional) get too much, parents split ..... and I (as one of the nation's taxpayers) have to pick up the pieces. It happens all the time, hundreds of times a week.
Having a child *shouldn't* be an emotional thing, or at least not to the exclusivity of all else. I knew before our first kid was conceived roughly what it was going to cost - we'd moved to the size of house we would need, done some rough sums on childcare/nappies/clothing & equipment, and knew that we could cover it. Several months before the birth, we started to look for childcare places, specifically a childminder who would take our screaming brat from 3 months.
It all takes time, but it's better to plan and be over-cautious than to think "it'll all be OK" when there's a fair chance that it won't. And I'd rather get the financial bit sorted, because the one thing I really underestimated whas just how awful the lack of sleep (feeding/crying/nappy changing) really was.
13 October 2004, 10:45 AM
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Originally Posted by ProperCharlie
Basically, that's right. We *can* survive on my salary, with or without baby. The thing is that my position isn't as secure as it was before Network Rail came along - obvioulsy this couldn't have been predicted at the time we starting trying to conceive. The issue now is that before we could have struggled along on my wife's salary while I tried to find work (assuming the worst comes to the worst) whereas now that wouldn't be an option.
13 October 2004, 10:53 AM
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Originally Posted by **************
Selling my scoob, my only higher than average expense, would make absolutely no or very little difference to my monthly outgoings plus I would lose out massively on the resale cost due to not being able to literally give them away at the moment. Thats hardly a life changing financial burden keeping the scoob in comparison to what any other decent reliable car would cost me.
13 October 2004, 10:55 AM
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Oh and to make it perfectly clear to those accusing of us of getting in a situation where we shouldn't be having a baby we can afford to have the baby as we are currently, the issue here is trying to get W69 back to work, thats the only cost issue nothing else.
The holier than thou lot on Scoobynet really **** ME OFF at times, so to those who fall into that category don't even bother replying to this thread as your stuck up your own ar$es attitude is not welcomed by me at the very least.
The holier than thou lot on Scoobynet really **** ME OFF at times, so to those who fall into that category don't even bother replying to this thread as your stuck up your own ar$es attitude is not welcomed by me at the very least.
13 October 2004, 10:55 AM
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Would I be able to get this sort of cover, being as it's my own business? I would have thought that the insurer would take the fact that I am seeking cover as an indication that I might well need it!