My partner and I don’t have crazy high income’s as it is, I’m band 4 full time NHS and he’s band 3 full time NHS (increasing to 4 in a few months).
We’re viewing nurseries now and the cost of childcare is really hitting me.
I’m planing on taking 9 months mat leave, a month of KIT days (2 a week for 4 weeks) and then another month of annual leave, I’ll go back on 2 days a week so that I can work the 2 days he’ll be in nursery but I’m so scared about not earning enough.
Do people have really set plans for ensuring their income stays manageable?
Tips and tricks? 🥹
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I didnt get any benefits because i started my job at 10 weeks, so just get mat allowance and my plan is to budget extremely frugally till I go back to work. My biggest tip is quite boring, get a spreadsheet of everything you have outgoings that are essential and have conversations about cutting down non essential stuff. I itemised our shopping and found out we were buying too expensive washing stuff etc so you can try to minimise that kind of stuff as well.

Its crazy expensive! I honestly think you need to earn above a certain amount to make it affordable and as someone who is also not on a high income nothing annoys me more than people saying "I can't afford to not go back to work" when for me one day at nursery would be more than I earn in a day at work! The reality is that a lot of families can't actually afford to work because childcare costs outweigh what they take home. In my opinion, if your income is high enough that going back to work is the only financially viable option, that's still a position of privilege compared with families who are effectively priced out of working altogether.
Rant over as appreciate that's not what you were looking for 😂
Are the two days nursery you are looking at the funded hours? I am currently looking for a childminder instead where I can use the funded hours part time as have worked out I can work more hours doing it that way x

Pause your mhs pension whilst on mat leave xx