My Son is going to be starting nursery in june and i am worried we cant afford it. He is going to be 2 so wont qualify for free hours (Scotland). Its looking to cost £70 and he is down for two days so £140 a week. People keep telling me about tax free childcare but i genuinley dont understand it. Can someone explain to me how it works like im an idiot lol
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https://www.gov.uk/tax-free-childcare
For every £8 you pay into the account, the government will top it up by £2. You then make a payment to the nursery for their fees.

It might be worth checking if you would qualify for any help as some two years old would also qualify for funded hours with the council and partner providers

Source: GOV.UK https://share.google/ex2hCbIY6iFRBybZU
This is the website for it. Basically you make up an account and it will tell you if you qualify. You then add your childcare provider to it, check that they are signed up for it. You then add money to your account and for every £8 you add, the government add £2

You should definitely try and look into a council funded nursery as your son is 2 he would be entitled (depending on your circumstances) to free days and hours at nursery and you wouldn’t have to pay for this or uc also offer to pay 80% of your nursery fee’s for non council funded nurseries you just have to make the payment first and send the receipt to uc and they will reimburse you the money x