Realistic Struggles of a Working Toddler Mum UK: Childcare is Just Too Expensive!! | HomeWithShan
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- čas přidán 29. 08. 2024
- Another realistic week of a working mum in the uk vlog -Our childcare costs went us again this week and our funding stopped - STRESSFUL - Childcare is honestly just too expensive!!
Childcare costs video: • WORKING OUT HOW MUCH C...
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Please never feel like you have to validate how you feel, yes there are other things going on in the world but this is a huge struggle for families that you are fully entitled to be upset and worried about. I'm also in the same boat as you although I now have another on the way, to say its going to be tough will be an understatement, but it will be worth it. I just keep reminding myself this is only for a few years, once they go to school things will be alot easier. Good luck xx
What should I do
I feel you. My little boy started nursery in November, 4 days a week from 8.30-3.30. Which is £36 a day for us and we also get tax free childcare. I’m working 4 days a week too. It’s worrying when everything else is also going up! We keep getting asked when we will have ‘another one’ and I’m thinking.. there’s no way we could possibly afford 2 kids in childcare and there’s no way we can afford for me to not work either. What do they expect us to do, really!? Also, there ARE much worse things in the world, there always will be but this is the life we are living and it’s hard for us regardless. I hate being made to feel guilty for feeling like we’re struggling. There’s different types of struggles in the world and this just happens to be ours! X
£36 a day?!?!! It’s £100 a day where I live 😩😩😩😩😩
@@luschialaws6899 that is considered their ‘short day’ but all food etc is included! I just provide nappies. I know, it’s cheaper than city prices!
It ok for me because know friends look after amber wen am at work at they house
With respect, it sounds like you did not calculate the cost of having a family / lived in hope? Best wishes
Having kids is very expensive and it adds stress. Too much societal pressure to have kids, with no money
We had a 43% increase in electricity cost, NI has gone up, council tax has gone up, fuel prices have gone up, our mortgage has gone up,,, just about every single tax, fee, cost possible has gone up.... Yet salaries have stayed the same. I feel your pain 😔😤😤😤
The cost of living is ridiculous right now. I will not have another child until my little one starts school based on childcare alone.
Having kids is very stressful and a lifetime of expensive and they can get you into debt. Kids can trap women too
It's just horrendous! My salary as a teacher in the UK left me total £3000 a year after paying for childcare, and that is supposed to cover tax, insurance, mortgage/rent, utilities, bills and living?! This is why so many women are forced out of work after children - it just isn't worth it!
My girl starts nursery when she’s one which is January next year. I’m from
Norway and there nursery full time is capped at £350 by the government as they help fund it 🙈 if you choose to stay home you get money from the government which is about £7-800. Kinda wish we’d moved back there to have kids 😅😅
This sounds amazing. Would be great to give women the choice in UK, especially for couples earning less than 60k a year government could for example fund £500 month to stay at home at least until 3 years of age. Women here either have to work and pay loads for childcare or give up work and get nothing.
I’m about to resign from work BECAUSE of this exact issue!!! It’s ridiculous!! I absolutely love my job but it’s costing me more to put my child in childcare and work than for me to just be a SAHM which I’m dreading! I was really down the 9 months I was on maternity and couldn’t wait to get back to work so I’m fuming that I’m having to choose to quit work simply because there’s no other help!
I feel the same!! What’s the point us working while other people on benefit get everything on plate for free. Not fair. We have to pay taxes + £16500+ nursery fees per year. We only in zone 5 (Harrow)
Having kids can ruin lives.
I completely understand your stress and struggles as I am a mum of twins. I appreciate your work 4 days a week and your are lucky to have 20% paid by govt. I know there are places in earth where no one cares or pays that much for your kids childcare all you got to do it from your own earnings. I appreciate UK govt. For providing flexibilityfor mums to continue their jobs with this little help. And Shannon lot and lot of strength to you. Keep going and upload videos I am your new subscriber. :)
Thanks so much for sharing! I'm in a similar situation and find it equally frustrating how complicated this system is. From what I understand, you can get max £500 per quarter with tax-free childcare. I reached the £500 threshold in March for Jan-March and was therefore not matched the full 20%. I think the fact that this system is so complicated shows that the people who came up with it probably never had to actually budget for childcare themselves...
I couldn’t agree more - that’s exactly what happened with us - it’s just insanely complicated 😫🥺
We are the same our bill is around 14000 a year and we get max £500 paid out each quarter. : )
My son is 25. People kept asking was I having more...I said NO. I already knew where the world was going economically. They told you everywhere that we were going to be enter communism at some point. I didn't want to deal with the stress of our current and future reality. I didn't want more of my children living in the mess we are headed for. Our children will grow in a world that's toxic, less jobs, unaffordable housing, food shortages and filled with toxins, dosed up with vaccines etc,. I was thinking about my child's experience in the future world and not my desire to gush over a kid. We're forgetting about what they are going to have to suffer through. When you decide to have kids you're required to think about all that comes with it. Kids don't fall out the sky. I thank God I have one adult child. I couldn't afford any small babies and I have a good stable job.
I completely understand! I’m considering dropping my days as it just doesn’t seem worth it financially 🤷🏼♀️ You do the right thing by working and seem to be penalised for doing so! They don’t make it easy at all. And they seem to assume that if you’re a higher tax payer you don’t struggle and aren’t entitled to any help/benefit 😫
You can 100% complain about childcare cost it’s really ridiculous. Like I’m really having to plan further in the future about kids. Especially with the cost about it on the news. It’s crazy
Thanks for sharing Shan. The system is really infuriating - we decided that I'd go back to work and my husband change work/work weekends because the cost is astronomical. Other Scandinavian countries have a really good subsidised childcare system that enables parents to return to work - I really think the UK needs to learn some lessons! There's lots of work going on to change the landscape of UK childcare (see Pregnant Then Screwed), but I think it's going to take ages and in the meantime we all have to muddle on. I hope you're able to find a balance that works xx
Thank you lovely! I couldn’t agree more with this!! Xxx
I feel everything you’ve shared here ❤️ Our nursery for 5 day/week 8-6 all inclusive is £22,400+ a year (we live in central London). I will go back to watch your other video & look into the tax free scheme cause any help at this point would be great. Thanks for the video!
Oh my god that is monstrous!!! Poor you!!!
That’s a salary!!!!!
This is me right now I feel like crying if o don’t work no more if I work no more 🙃
Wow, I am so glad to be childfree
This is insane! In Sweden we pay about 1-150£/month for childcare..
The 20% top up is spread across a 1/4 so just pay your amount each month (we pay just shy of 1k per month) then they top you up: so there’s always enough in the tax free account whether you pay more that more or more is added from the gov if that makes sense? Last time I looked we had £264 knocking around in it but I know that it’ll bump up for the month when we have less from the gov. Our bill is 12k PA for 4 days, as long as you pay the same each month it works out, hope that makes sense! All your extras sound mad! We pay a flat rate PD drop off/pick up anytime 7.30-6.30pm and inclusive of everything Inc meals and disposables; makes it easier to manage without hidden extras! (Based in Warwickshire for context) x
The cost of childcare puts a lot of stress and sadness on what should be the most precious times being with a new baby or even deciding to have children in the first place. We’ve currently got a 4 month old and we’re looking into prices for when I go back to work and it’s gone up significantly since my 4 year old was in nursery!
I’m struggling mentally with trying to sort out childcare too. I feel like it’s so hard when they’re under school age, so so expensive if I want to work. We’ve had to really cut back on everything which makes me sad just to afford it x
I don’t even have to watch it to understand what your on about, that’s one of the reasons I chose to be a stay home mum as couldn’t afford to keep her in nursery. We do one day a week and even that’s blooming expensive but I need time to get the housework done without her around. Totally feel for you, it’s crazy the price, there was absolutely no point in me going back to work as all my money would have just gone on child care and more. xxx
I completely get this!! It’s so hard😫 xxx
You should get up to £500 towards nursery over the quarter (£2,000 a year)!
So we work out what it will be for the entire year.
Then work out what 20% is. Anything over £2,000 is the additional money we will have to put towards the “20%”
Add that amount to the 80%.
Then divide that by 12, pay that amount into the childcare account and should be topped up enough each time.
It means you have a bit of a buffer on the shorter months but it’s there for the longer months!
xxx
Please can you leave an example as this is really helpful!!
Omg this video is so timely, I researched the whole gov 20% stuff last night and what a head blag.
Your videos helped me get it. So basically if your bill is more than £833.33 per month then the 20% limit is reached and payments will be more.
Its obviously really helpful to have this help but childcare is still sooo expensive. I'm going back full time next month but will need to defo reasses if we have another. 🤯🤯
Greetings from London where we pay slightly over 1300 for nursery Mon-Fri. It’s madness…
Hope you get it all sorted! My little one is 4 months old and due to start nursery in May, still not sure if to go full time yet or see if I can sneakily work from home a few days a week. Like you my partner and I are both in well paid jobs and still we need to cut back massively to pay for childcare. I’ve worked hard for my career there is no way I want a break! It’s mad that they don’t cap childcare amounts to encourage parents to continue working, in the long run it must be better for them and us (surely!) xx
It’s just impossible for us women to make a living when having a new baby 🥺
Or we have to give our careers up.. it’s so hard! X
I sympathise, this sounds very stressful. I'm lucky that our nursery fees are just one upfront charge, including anything she needs like food etc. We're also up north so I can imagine its also much more affordable. It does work out to be more than 2/3 of my entire wage, after the tax free deduction. It should not be this hard for women to leave their children in trusted childcare when they want to work. I wonder how many women who want to work don't because it is so expensive. I know why the price is high, but the government should be doing more to support parents...or work to increase wages!
Exactly!! It’s insane, I couldn’t agree more - increase my wages when nursery fees, petrol, electric ect is all going up please 😫🙈
I’ve never been in a job that would have been well enough paid to cover childcare costs where we live. I got made redundant the day after I found out I was pregnant which wasn’t ideal as I was out of work for the whole of my pregnancy with lockdown etc. Luckily I have a small business that I’d started a few years ago just as a hobby more than anything and I’ve worked hard to make that grow. Now I work most evenings, weekends and nap times on my small business. It’s tough as I never feel as though I get a break but it’s our only choice really and I feel incredibly grateful that it’s allowing me to bring some income in but I’m definitely surprised at how little help there is for families who want to work. I hope your CZcams continues to grow so you can cut down on your office hours 💛
The system is f*cked! We pay £71 (just gone up from £68!) a day but that does include 3 meals, snacks, nappies and wipes etc! Will moving house mean that family could help one day a week? We do 3 x days nursery, 1 x day with me and 1 x day with ‘family’ so sometimes my parents, sometimes my partners’ parents and then sometimes my partner when he can juggle work. That day with family really helps us out! Xx
it is a but unfair to dump kids on parents when they should be free to enjoy living their lives and not have their freedom ruined
Motherhood and childcare issues such a big thing. This video gives information as to how to go. Awesome ❤️
I can so relate to this, we decided to put our Son in a cheaper nursery bc of the cost. Was the best decision, he settled fine and their communication is second to none. We even have an app now updated all day, the only thing I provide is nappies and wet wipes and it’s a set amount a day so doesn’t fluctuate. Don’t be afraid to move them if it will benefit you all. I pay £60 a day and live in Essex, 30 min train from London for reference x
Hi, I completely feel you about the rise in childcare costs. I'm currently on maternity leave with my second and I'm a nursery deputy manger. My oldest still goes to nursery twice a week and even with staff discount it's incredibly expensive.
I just wanted to mention incase you weren't sure but the term after George turns 2 you will be entitled to 15 hours 2 year funding. This is a means tested funding offer for most families but also applies to children who's parent or parents are in the military. It's worth applying for. You need to apply for this yourself and they give you a code for your nursery to claim the hours x
I am a stay at home mommy to my 8 month old little girl. Nursery cost is crazy and we made the decision for me to not work. I had a nasty work legal battle so I’m glad to sit out for a few years. I love my job now. We do what’s best for our child x
I am in exactly the same situation. I’m sorry if you’ve been through the emotional turmoil I have but it’s a relief to hear I’m not the only person in the world cus it does feel like it sometimes. Other parents can be very judgy when your child doesn’t go to nursery. Enjoy every second with your little girl, I do!
@@amystraw4485 very true 👍 plus childcare is so expensive that I would rather be at home and watch my little girl grow up.. get more rewards from her than going to work
I was made redundant on the day I left for maternity leave, I suddenly had zero income and if it wasn’t for the money I had saved I would have been in big trouble. When it came to looking for a new job I couldn’t pay childcare cost upfront to start a new job. Covid hit and I decided not to go back to work and had a second baby. My son has 15 hours free now and we manage living of one income but we have no savings now. I won’t be returning to work until they are both in school. Such a shame that so many parents are being forced into not working because costs are too high!
You are not alone. I am in the exact same position. It’s really effected my self esteem. It’s still terrible how society treat women in regards to having children.
Perhap if you didn't chose to have kids you would work and have more freedom.
Currently in London and it was impossible for us to pay childcare so I had to get an evening/night/weekend job for my sanity (you know.. adult conversations and that). Meant I didn’t see my husband for more than half an hour a day🥲. Thankfully we’re moving away now so it will MUCH cheaper where we’re going
Having kids is expensive. Being childfree by choice, I would hate to work several jobs just to pay for kids and lose my freedom.
What the heck?! Does that work out to £70 per day?? That is sooo expensive!! My boys is £46 per session and that is everything included. Have you thought about a childminder again? They seemed more affordable. No wonder you are panicking!! Hope you have got it sorted. X
Also just to add this is why grandparents are under pressure to help out working parents! It is ridiculous. X
Related to this! My sons nursery is £65 a day and I'm up north 🤣, literally costs more than any other bill apart from rent! It's ridiculous 🤦
Y'all... I must be even more south because one of the nurseries I contacted said 3 full days per week is £1300 a month!!!!
We obviously didn't go with that, but it's not much better, my baby will start in August, and will go 3 days per week for £930... I'm literally going back for £600 profit that doesn't even cover our mortgage. I'm in denial, not sure how we gonna live the next 2 years...
When you can relate before even watching the video 🤣 childcare is a joke in the UK
Completely get it!! I meant to be going back to work in 2 months and I’m dreading it because all money I will get will just go on childcare!! Xxx
@@chloedomingues4959 the struggle is real but you got this mama! 👍🏽
Tbh in the video u spoke about ur earnings u saved up LOADS per year. I knw childcare is very expensive but I guess we just hav to learn how to be very stingy! I think its just u doing 1 thing per yr. E.g gettin married n honeymoon 1 year. Anothet yr moving house as its so crazy n stressful money wise. I didn't go on honeymoon n im glad coz i saved LOADS of money n it went towards my house deposit.. LIFES HARD as a mum!
This is exactly why me and my partner agreed on a registry office! Not quite as fancy but in this current climate paying thousands of pounds on 1 day just isn't feasible.
@@slaybells6848i dont blame u guys! Theres no point in spending all tht money on tht 1 day and especially if u knw ur guna be together fr a life time (hopefully).
We live in Scotland all 3,4 5 year old who go to the public nursery are completely free
They go from 8:45 to 3 every day x
Free lunches and snacks days out x
This is for everyone what ever your income is xx
Why hell should my taxes pay for your children nursery
@@IssacLHuntyou realise that by a portion of tax going to a scheme like this it means more people can go to work - pay tax etc therefore keeping things like tax and NI lower than if all mums had to stay home and claim… right?
I completely understood the way you feel about the childcare! My toddler is 2 and goes only 3 days per week and we are lucky enough to have my mum for the other 2 days but its still so expensive! Xx
I am so thankful to be in the position I am in. I work Wednesday, Thursday and Friday and my husband does nights Friday, Saturday, Sunday, Monday and Tuesday. It means he can have our daughter on the days I work so we don't have to pay for childcare. However the down side is that he is tired Wednesday day but he does finish at 3am so he does get a bit of sleep in. I am very well aware of how much childcare costs is in my area 'it's expensive'. We have a good schedule going but we are very much looking forward to when she can start school next September when we can get the 30 hours free childcare 😁😁😁
Nights r so hard and it takes a toll on ppls health. Im glad its workin out fr u guys! X
@@hansatanveer3672 I know, when he gets home from work he goes straight to bed and sleeps till mid-day. He loves his job though and would never change it. I have noticed over the years though it has taken it toll and I do feel for him when has to have our daughter on the Wednesday when he has barely slept. X
Childcare is crazy money! I have been a stay at home mum for the whole time as could not justify paying out all or 95% of my wages to go to work and wasn't really that bothered about going back either.. I know your situation is slightly different as you mentioned previously that it's mainly to do with mortgage application and moving.. my sister in law got a job at sainsburys part time so she wasnt counted as a dependent aslong as I believe she earned over £10,000 with theirs. So might be worth a have a look at.. hope it all works out x
I agree! So much expensive for childcare so we also decide to stay at home and take care of our babies. It’s hard but it’s worth it. Thank your for motivating us with your video ❤️❤️
I feel you with the childcare stress! In ireland it's the same, hugely expensive and there is a creche shortage so my daughter has been on waiting lists for about 7 different creches for the last year and I've heard nothing back. Some are honest and just say there's no point going on the waiting list at all. You have to have their name down from pregnancy otherwise there's no chance. It's so stressful because we're running out of savings and I need to work but I don't have anyone to look after my daughter.
I’m from Nothern Ireland I’m a childcare provider and their is a shortage of quality childcare here as well . What part of Ireland are you from ?
It’s so difficult to being a working mother I have two boys one in school and a 1 year old my partner supports us well but I do still have to work so we are comfortable. Childcare is a huge no no for us it’s massively expensive so I work evenings and 1 day on the weekend too. It’s hard I’m shattered most of the time but it’s what we have to do to survive it’s expensive times the cost of living has massively gone up. You just have to do what you can and things will get better xx
if you type in childcare calculator it shows you how much you need to pay each month xx
Even when they get their “free hours” at 3 it’s not always free as you are still having to pay for the wraparound care, which they can charge what they want depending on the nursery, for me I’m only saving £13 a day from what I was paying before we were entitled to the free hours 🤦🏼♀️ x
Feeling you already! Our little started the 'free hours' a couple months ago but the past few years have been crippling 😖 And the government released a statement saying that they won't look into the a childcare reform on international women's day, the irony 🤦♀️
We won’t get any “free” hours until Jan 2024 hahaha! Counting down the days 😂😂 xxxx
Is absolutely ridiculous. Just so expensive, if I wanted to put my son in nursery 3 days per week so I can work , more than 65% of my money would of gone to nursery payments.
Not everyone can afford these prices and also not everyone can afford to stay at home with baby / toddler . I feel like we have an extremely tough choice to make .
Exactly!! It’s absolute madness, whatever the situation is, it feels like a loose loose situation 😫xxx
Can relate to this video so much right now 😫
I don't have my baby yet but I already stress about childcare costs - for exactly the same reason you mentioned... Almost my full salary would go onto the nursery cost, maybe £100-200 would left a month, how does it make any sense... then I would prefer to be with my baby
Luckily these days women can choose to be happy and childfree by choice. It is not the 50s. Many of us prefer to have money to main the house and garden, pay our mortgage off early and have holidays than be poverty stricken and stressed with kids. Childfreeness is increasing.
The problem is this country (UK), they don't give a sh** about working parents! They expect us to work, pay tax, pay tax, pay tax! Never benefited from this country. This country is robbing working parents.
I am so fed up with everything to a point where we have decided not to have anymore children. We are currently paying 35% (£1300) every month towards nursery - 1 daughter.
It is also not fair that people are sitting and claiming all sort of benefits (UC) while we pay tax!!! In other countries in EU, the more children you have, the less tax you pay! Why can't they do something similar rather than paying us child tax £70!!! If this continues, we will probably resign from out full time jobs and claim benefit UC.
The Tories capped Child Benefit to be payable towards the first 2 kids ONLY since 2014
That still doesn’t help, £70 p/m? We pay £1500 p/m for my daughter’s nursery + high tax. Tbh me and my mrs r on £42k, get taxed a lot plus £1500 nursery fee + other child expenses. We only end up saving less than £500 p/m, sometimes 0. The government makes so much profit from working parents, not fair!
Great news, Kids are expensive
We’re incredibly lucky that we have family help out with childcare 2 days and my partner has one weekday off so I can work. It’s a juggle but we feel so lucky because we couldn’t afford childcare costs where we live. When I was little my dad worked week days and my mum worked weekends so never even had one day all together as a family. The childcare system is this country is just crazy expensive, it’s so unfair x
It is crazy.. our nursery has increased by over 15% just this year, it's almost £18,000 for the year even with 20% tax free on the first £10,000 😩
Wowzers!! That’s intense!! It’s absolute madness isn’t it! Xxx
Having kids is an easy way to debt. I am glad to a woman who has made the choice to be childfree and happy.
My baby is 1 week old and we’ve enrolled him in nursery for January as the waiting list is crazy. The daily costs are £36 a day 8:30-5:30 with meals. However I expect the costs to go up but I appreciate that’s a lot more affordable than most. The reason being is because it’s an unofficial nursery. The nursery’s are £50-70 a day here and we’re in Yorkshire not the south. 🥴
My husband is a civil servant and his working hours are Flexi as are mine so we’re considering half days at childcare and starting work at 5am 😂😂😂
Completely agree just don’t understand how this can continue.. Our nursery fees have just increase from £54 to £57 per day (8-6) and my little one in in 5days.
We use the tax free child care but it’s only £500 for 3 months so it doesn’t really cover the full 20% tax.
Nursery is costing almost double my mortgage 😔 and we’re in the same boat - won’t qualify for the 30 free hours until Jan 2024
Single parent here, I can't go back full time to work because my whole wage would go towards childcare 🤷♀️ the system is an absolute joke!
I'm on universal credit as a single parent now as you have to pay your childcare first payment upfront, then they pay you back. I can't afford the 1st payment lmao. So strange to say I can't afford to work. It's so not worth the stress! x
It’s mad isn’t it! The system seems like it’s just broken 😫😫
Same as me! And I’m always so paranoid they won’t approve it or something each month. I had to borrow my first months money
@@gperrey9223 sorry late reply 🙃 but yes! Me too I don't have much trust with uc ngl😬
I am glad to be childfree, having kids just sounds horrible
Is it not possible for you to work Saturday / Sundays when Ash is home to have the baby? Would be one or two less days to pay nursery fees. We pay for 3 full days nursery I have every Friday and Sunday off and my husband has every Monday and Saturday off. Then we do opposite shifts on the days that we are both in work so one of us does the drops offs and one of us does the pick ups. It’s just hard though as we barely see each other and don’t have a day off as a family unless we’ve booked off annual leave x
It’s not really possible with my job - unless I got a completely different job I guess haha! It’s so difficult is t it, all the sacrifices we have to make 😫🙈xxx
@@HomeWithShan aw it’s so hard. I was so shocked when you said how much it cost, it’s going up to about 650 a month for me to send my youngest for 3 full days, includes price of nappies wipes food etc, Cheshire area though x
This is such a huge stress of mine too. I've worked my ass off for years to get into the funeral industry, I have my dream job that I love and am working towards a qualification. My partner is in the armed forces so away a lot and hasn't been given the draft he was told he would be (one that meant he'd be home for 2 years) so now I'm stuck. If I stay in my job then childcare will cost a fortune, if I leave then I've lost everything I've worked hard for to get where I am. I'm going to try and make it work as once I have the qualification then my salary will increase. Issue is though, nursery placements are hard to come by now and he still doesn't have one and I go back to work in August.
I didn’t go back after having my first son because it just wasn’t feasible. The amount I got after childcare wasn’t worth it. My 2nd is now 17months and I’m looking at juggling being a SAHM with an evening/night job. The guilt of not helping financially right now whilst everything shoots up is so much. 🙃 I love being a SAHM but I do miss my career.
I'm glad I'm not alone with this struggle. I'm a single mam to a 1 year old, in uni full time and work part time. I get a childcare grant from uni which pays 85%, that's still £35 a week then in summer when I'm not in uni I have to pay it all myself, with a part time job and slight top up from universal credit. They would think they want mums in full time work so make childcare affordable but thats obviously not the case 🙈
My first littlen is due in may and I am already stressed about returning to work and affording childcare, not going back to work isn’t an option as we have our day to day bills to cover yet my wage will be purely to cover childcare! 🤯
Glad to be childfree by choice. Financially free, happy and mortgage just paid off.
This was me 7 years ago, what I thought was a good wage £30,000 a year plus dads wages. Turnt out to be nothing when child care fees came about 😭 there's no win situation xx
EXACTLY!! 😫😫😫
Me and my husband both work (luckily I work from home) but I work 3 hours a day and then 1 full day of 8 hours and I have to do that with my toddler around as we can’t afford to put her in nursery, it’s so difficult. If I put her in nursery I would just be working to pay for it so no point. They really need to sort the childcare system out as they want mums to go back to work but make it impossible with the fees it’s so contradicting, roll on when she’s 3 (2023) so I can get 30 hours free and then up my hours at work.
Yes yes and yes!! My partner works and i am a student, we have a 1yo. As a student, i am not earning so we only have one salary coming in. The system is awful as i cannot claim any extra financial help towards childcare as a student parent because i am under 25 and not married so what i am eligible for is based on my parents’ incomes. Ridiculous as they do not pay our bills!!
Shouldn’t be if u live in your own home
Here in the US daycare is usually more expensive than rent 😔 it’s insane
Am just going to give your childcare video a watch. Am due back after mat leave in Oct and need to think if I don't return to work or send the wee one to nursery. Might only make about £20 a week after childcare but I will need that extra cash for everyday bills.
Sending you love and light ❤️ I’m a mom and I can relate to the struggles.
Glad to be childfree by choice. I would have freedom of stress and debt, and have my mortgage paid off early. My MH would suffer if I chose to have kids.
Yes, there are worse things happening in the world, but that does not mean that your problems do not or should not matter. Never feel guilty for worrying about your personal problems and putting them first. Things could be much worse, but it doesn't mean that the cost of living crisis affecting so many of us in this country isn't bad, really bad! I really don't know what the government expects us to do as bills are rising massively and they are still planning to increase the NI tax next month. The cost of childcare just adds insult to injury. The pessimistic part of me reckons it's all so complicated so a lot of people don't bother with it, or don't realise it is available to them...
With the HMRC childcare, if it helps, what I do is overpay into it each month so we have a buffer to try and avoid any sudden increases in costs. Not sure where you're moving to but I've got my fingers crossed it is a cheaper area for you as that will help! xx
It stings so expensive I quit my job 12 hour days get to spend everyday with mine now and I work 5pm-10 3 weekdays and every other weekend longer and get the same amount by the time I would of deducted childcare hardest part of parenting xxx
It’s absolutely crazy how much we have to pay for childcare, I appreciate it needs to have high costs for what it is. However we need better funding in this country, with everything going up, it’s all just putting more and more strain on our finances. Exactly why myself and my husband have had conversations about only having one child!! Shame as I would love more… 😥
Omg we’ve had exactly these conversations too - it’s just sooooo hard to budget in this world hahaha! Xxxx
Having kids is very expensive, and it is unfair for them to die which is what parents want them to do if they choose or accidently bring them into the world. Kids are traps
The question is why is childcare not free like in other countries ?? Why dont they sort this issue out already instead of making working parents life so difficult this should be the priority
The government used to fund the FULL 40 hours a week of childcare at 100% funded but nowadays it’s 30 hours a week with 80% funded.
They expect the woman to partially pay the other remaining 20% of childcare because there was too much fraud going on.
Single mothers would commit benefit fraud by making fraudulent “free childcare” claims and then when the cheque came from the post, they’d either deposit it into their bank account or trade it for cash on the black market.
It's insane isn't it! That's why we have decided I am going to be a stay at home Mum for the time being. I would otherwise just work for his nursery! He might aswell stay with me for now (13 months). We also want to start trying for another baby soon and hope to have a close age gap. So we will focus on that and I might start a home learning course along and maybe when they are a bit older I can get back into work again. It's a tough choice to make. We will definitely have to cut some expenses here and there to make it work. But it's either that, or I work for just his nursery hours! Silly UK!
I’ve done and I’m in a similar situation to what you’ve said you’re going to do! I have a 3yr old and 18m old. I decided to not go back after maternity of my first.. then pregnant when my first was 14 months which was amazing and what we always wanted to happen! So I haven’t gone back to a job since and now my eldest is in nursery getting his free 15hrs. We don’t get any govt benefits just lucky and appreciate we can manage on my husbands full time wages. But the way this works for everyone is shocking, I feel like you can’t win either way! I actually would love to have a career, or even job but it now feels impossible and a long time off which is just not a nice feeling. One day I know things will change and the kids will be in school etc etc but that also makes me feel pressure. Anyway sorry for ranting on your comment 🙈🤍
@@kirstyrobinson3109 Yea, I know what you mean. We want both, career and a family, but financially it is just not plausible to combine! I do LOVE being a stay at home mum. But I also feel a bit restless. Like I SHOULD be doing something! But unless you have a decent payed job, it feels useless if you are just working to pay for the day care. I moved over from the Netherlands to live with my now husband. And my degree is kind off useless here (UK has a completely different school and teaching system)! So I feel really stuck. I've been doing health care assistant jobs in care homes, but the pay is straight up dramatic for the long hours you make. So yea, I hope I can do some kind of course over the next 2 years while taking care of my son and hopefully second child and get back in to the working life after. Or maybe some opportunity will arise. Who knows! I just hope the main bills won't keep rising up as they have been lately! :(
Once he turns 3 you might get the free 30funded hours per week it will help reduce your costs a lot , I know it’s ridiculous 3 is a long time off 🙀 I cannot believe how much childcare costs you in our area it’s around 45 per day xx
My little girl is literally only 4 weeks old and i already know that childcare for just 25 hours that i work is going to cost 3/4 of my wages and i wont be able to pay my bills on top 🤦♀️.
For us it makes more sense for me not to work until she turns 3 and goes to preschool.
Seems daft to work just to pay someone else to raise our child.
Hoping we can get some benefit help financially for this time. Considering both have us have worked and contributed to the system since we were 16!
Glad to be childfree. I much rather be kid free without financial stress. Mortage now paid off early. Luckily that many of us women can choose not to have kids and we be happy. Unfortunately some cultures pressurise women to have kids and they are in a financial mess. But apparently parents access this financial stress is 'worth it' to have kids. I don't understand that myself
As a single parent childcare is my biggest worry about going back to work in a few weeks. Between paying childcare, car payments, fuel and everything else that needs payed it makes so hard to return to work.
*sigh - reading all the comments and looking at my bill for daycare in the US; insanity all around
we have an app in australia that calculates childcare benifit but i think ours is far less complicated if you look you might find one for england'
Completely understand where your coming from with the childcare. I ended up dropping my toddler to just one day a week because we were paying £65 a day which is ridiculous! There’s no point going to work when you have to pay so much for childcare xx
Exactly - it’s like a full wage just to pay for him to go into childcare so that o can work - seems so ridiculous sometimes 😫xxx
It’s so frustrating. I’m like you and not entitled to any sort of government funding so nursery bills are just another expensive outgoing xxx
It you’re planning to move house, could you move closer to your mum or mother in law if they could do any childcare? I know that’s not always possible though. I’m super grateful my mum and mother in law can look after my baby 2 days a week each while I’m working
Wow the price difference around the country is a joke! I thought ours was expensive at £57 a day but that is food and nappies etc included. I work there so I get 20% discount and then the tax free childcare so we actually only pay £380 a month for 2.5 days. Such an eye opener! Hope you find solution! Barely worth working 😩 xx
Same as me - the charge per day (8-6) is £55 a day. That includes his 3 meals and a snack, but we have to provide his nappies and wipes etc. We’re using the tax free scheme but it’s 70% of my wage and it’s barely worth me working.
I don’t understand how the charge can be justified. SAHMs get so much stick but if they’re given no other choice?! Ridiculous
Tell me about it! The child care cost is insane.They make it impossible to get back to work after having a baby.
pd where is your duvet cover from? It's looks lovely ❤️
It's shocking to me that a society like UK doesn't have a much more equality-focused approach, because these costs means that a lot of moms will stay home and thereby get behind in saving up for retirement and loosing out on job opportunities! I know its up to the couple to choose who stays home, but the fact is that its more often the woman. I totally support people who CHOOSE to stay home with their kids, but it should be a choice and not because they cant afford care! Not everyone is suited for that role, and in the end our kids looses. I feel very blessed to live in Denmark, where we get a lot of financial supplement to daycare (and other kiddo-costs),
Copied and pasted
The government used to fund the FULL 40 hours a week of childcare at 100% funded but nowadays it’s 30 hours a week with 80% funded.
They expect the woman to partially pay the other remaining 20% of childcare because there was too much fraud going on.
Single mothers would commit benefit fraud by making fraudulent “free childcare” claims and then when the cheque came from the post, they’d either deposit it into their bank account or trade it for cash on the black market.
This is not the case in most countries in Europe and we keep voting for these people.. Over 10 grand a year is unbelievable!
Child care is so expensive. We need me to go back to work but by time we’ve paid for childcare I would be working for nothing so therefore I’m staying home until he goes to nursery. It seems like I can’t afford to work and can’t afford not to work lol
Hey 👋 Im trying to go back to work and I have a 2yo. I'm on benefits and a single mom. So ... doesn't Universal credit pay back 80% of childcare costs? That's what I was thinking about while reading the comments.
It's literally the main reason there's a gender pay gap, childcare just makes it impossible for so many normal women to go back to work! Even if they want to 😭
Thank you for sharing, I can’t imagine how difficult this must be for you. It’s not fair that you and Ash both work so hard and have such important jobs keeping our country safe, and running, and it’s like you’re being punished for it. I hope you figure it out. Hugs ❤️
Difficult living in the UK, one of the most safe and privileged countries in the whole world. Fact is, society is far too dependant, lazy and expects a handout. Calculate the cost of having a family before starting one and seek real advice. Best wishes
I am childfree by choice, expensive childcare is another reason I don't want kids. Having kids can easily put parents into debt. I love my freedom and I have paid my mortgage off.
Love your videos
The only way I am able to go back to work is because I work in a nursery and I won't have to pay anywhere near as much as I would if I didn't work there. Parents pay more a month than my monthly wage lmao its so bad
Why aren’t you using a childminder in your new area?
There weren’t any available! Plus, the reliability isn’t always as good as a nursery - although I’m starting to think it’s much the same hha!
I live in Edinburgh and it’s around £55/£60 a day for nursery ( includes meals/nappy’s). My girl is 16 months and I’ve been back at work 6 months and I’m soooo lucky that my parents take her for free when I’m at work 3 days a week. Im looking to put her into nursery 1 or 2 days a week in a few months and already dreading the costs, couldn’t imagine paying for full time nursery costs 😱
Glad to be chlldfree and financially stress free. Being a parent is a night mare
I think I might stick to getting a cat at this point 😬
Well said or a some nice plants for the garden. Many of us don't want the hassles of kid expenses and be trapped for life forking out for them
You made a video recently and you put loads into savings. I get it, childcare costs are terrible, but you can clearly afford it based on that video
My 10 moths old Hannah wouldn't go nursery because pick on other kids
The option would be is to realise that a mother is a mother and has now got that responsibility and that responsibility is way more than a 9-5 and should be allowed just to be a parent.
What do you work as?
I don't get why people expect other people to look after their child so they can work. Just look after your own child.
Or maybe work a couple of nights when dad is free to babysit even if it means changing jobs , there’s no sense in having a child to then pay all your wage for someone else take care of them
@@maggiegallagher4675 I agree. You work to pay someone else to do the parental role you should be doing rather than working x lol
exactly.