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AIBU?

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Childcare costs

157 replies

LawyerMumAsia · 03/11/2024 08:06

Good morning. My childcare costs are through the roof. Can somebody please tell me if this is normal. We are two full time working parents with two primary aged children and one toddler. Nursery is £1700 per month and nanny is £3,300 per month including taxes for 36 hours a week. Nursery is 4 days per week but we will be reducing that to 3 days in a few weeks time. We need 36 hours because of school drop off and then nanny comes back again to do school pick up and dinner and to be there during bath time. Her net pay is around £17 per hour. Thank you

OP posts:
ChefsKisser · 03/11/2024 21:02

Ours have never been that high, absolute highest was when DC2 in nursery and DC1 wraparound and that was £1250/month (though we used TFC). When we had kids DH and I completely reorganised though, I changed from shift work, I reduced hours etc etc. I know it’s not possible for you right now but equally your children are young once. If there’s a way for you or DH (or both!) to be around more I’d be grabbing it with both hands.

Sleepygrumpyandnothappy · 03/11/2024 20:46

OP I really don’t understand what you’re trying to achieve by posting? No your costs are not normal but they are to be expected for the abnormal situation you have created for yourself. Do you want to feel like you’re not being ripped off? Or for people to tell you that your set up sounds ok?

FanofLeaves · 03/11/2024 20:35

Didimum · 03/11/2024 16:28

There’s no need to get on your soapbox. The average pay for a nanny in central London over the 23-24 tax year is £17.66 per hour gross. OP is paying £17p/h net, so it’s perfectly reasonable for her to reduce to the average rate.

I get you probably just googled that and it’s been simplified for you, because the average on Nannytax at least takes into account the salaries of housekeepers, live in nannies and au pairs in the wider London area and averages it out. I guarantee you that is NOT the going rate for a professional experienced nanny in zones 1-3 and many agencies thankfully wouldn’t touch you with a barge pole if that was all you were willing to pay. I will get on my soapbox about it as you clearly don’t know the facts.

Skybluepinky · 03/11/2024 18:45

See if a childminder would be a better alternative they follow the same curriculum as a nursery, they way u would r paying twice.

LawyerMumAsia · 03/11/2024 18:41

@outandunder thank you, this is helpful for perspective. It does contextualise things.

OP posts:
IbizaToTheNorfolkBroads · 03/11/2024 18:36

If you can afford it, but can't save, then you may just have to suck it up for a few years until your toddler is at school. Saving will have to wait, if this is the best childcare scenario for you.

We had 18 months where my salary was £17 less than childcare + fuel+ parking.

LawyerMumAsia · 03/11/2024 18:35

@PotteringAlonggotkickedoutandhadtoreregister thanks. Not sure it makes sense for an au pair to take three kids on the bus to nursery and then take two buses with the older kids to school and then same on the way back. Fairly tiring for all of them.

OP posts:
Hmmmmamilucky · 03/11/2024 18:06

couple of things - why do you need the nanny until 7 if you WFH? 1700 for one child in nursery sounds a lot - we pay around £800 pm for 4 days, but we are in the North 🤷‍♀️

SouthLondonMum22 · 03/11/2024 17:56

It’s normal for London, especially when you throw in a nanny too and have 3 children.

I have 3 under 2, work full time and pay £6k per month in nursery fees alone. No nanny.

PotteringAlonggotkickedoutandhadtoreregister · 03/11/2024 17:53

You live in London - you have the best public transport in the country! Surely you’re better off with them NOT driving?

LawyerMumAsia · 03/11/2024 17:53

@V0xPopuli sorry you don’t get it. I presume you’re not contracting and trying to get hired for a permanent position at your company (essentially being on a 6 month interview). I presume you didn’t drop to flex hours on your first week of your new job? You’re not in our boat. We have been in your boat where your boss trusts you and you can drop down to flex but we are not in that boat now. I need to highlight these things because people come online and don’t know the half of what people are going through. I am sure you mean well in your comment though.

OP posts:
PeloMom · 03/11/2024 17:50

Why does an au pair need to drive? Is public transport not an option?

LawyerMumAsia · 03/11/2024 17:48

I think given we need a driver who is responsible for three kids including a toddler I presume an au pair isn’t really an option - unless others have experience of this? Thank you

OP posts:
LawyerMumAsia · 03/11/2024 17:44

Thanks, all. Lots of useful things to think about. I won’t get into the ins and outs but let’s just say it’s a very tough job market out there and these hours are not our preference. We are taking whatever work we can get at the
moment (contract /consulting type work that requires full time). We are honest hard working tax payers probably covering several children’s nursery costs through tax so let’s just be kind and realise we are all doing our best.

OP posts:
Didimum · 03/11/2024 16:28

FanofLeaves · 03/11/2024 15:35

That is an insult. We are an actual profession and you should be paid more to be available at the hours OP’s nanny is. That’s the going rate for a good, experienced, live-out and sole charge nanny responsible for multiple children and all that entails. London is an expensive place in which to live. The nanny is a human being with her own outgoings and expenses to meet. These are OP’s children, she absolutely shouldn’t be looking to drive down the cost of having a professional care for them in her home.

There’s no need to get on your soapbox. The average pay for a nanny in central London over the 23-24 tax year is £17.66 per hour gross. OP is paying £17p/h net, so it’s perfectly reasonable for her to reduce to the average rate.

Hankunamatata · 03/11/2024 15:45

3 kids and childcare is always going to be pricey. Even more so if you need childcare outside the 9-5 kind of day and in london

FanofLeaves · 03/11/2024 15:43

angstridden2 · 03/11/2024 15:42

I’m not one to criticise working mums, I was one myself but depending on the age of the children I wonder how much you see them presuming they’re young and in bed around 7.30.

And you wonder the same about their Dad too, I hope?

angstridden2 · 03/11/2024 15:42

I’m not one to criticise working mums, I was one myself but depending on the age of the children I wonder how much you see them presuming they’re young and in bed around 7.30.

FanofLeaves · 03/11/2024 15:35

Didimum · 03/11/2024 15:12

£17p/h net? You’re paying your nanny too much. You can definitely employee a nanny for day 60hrs a week at around £16p/h gross in London, taking your childcare bill down to around £4700p/m

That is an insult. We are an actual profession and you should be paid more to be available at the hours OP’s nanny is. That’s the going rate for a good, experienced, live-out and sole charge nanny responsible for multiple children and all that entails. London is an expensive place in which to live. The nanny is a human being with her own outgoings and expenses to meet. These are OP’s children, she absolutely shouldn’t be looking to drive down the cost of having a professional care for them in her home.

V0xPopuli · 03/11/2024 15:31

Oh and i get op. Dh and i both have big 6 figure salary jobs in london with commutes but nonetheless, you have to consider your children's needs, and two parents who outsource them so entirely, is not good for DC. DH had to accept it couldn't just be me flexing hours either, we share the load.

I dropped to 4 day a week when mine were small, and DH and i both alternated working 7.30-4.00 vs 9.30 - 6, wfh on different days, so that the kids were just in childcare from 9-5 at most, 4 days a week, and usually two of the days were 9-4.15. It is a massive difference from 7am- 8pm.

houseselling101 · 03/11/2024 15:26

I'm a working single mum with a career so I get it....but it's not normal for both parents to work those kind of hours - but I'm strict on the hours I work when it's "out of hours" - doesn't take a genius to figure out why your childcare are so high when you have a nanny working until 8pm.

I think both of you need to reassess your careers or at least your employers otherwise what was the point of having kids

V0xPopuli · 03/11/2024 15:21

When I work from home nanny finishes at 7pm. On the in office days I need until 8pm as I work in office until say 6.20pm and then have the commute

Yeah so you can't do that when you have kids. You & their dad have to tag team so you are out of work bang on 5.30, you may want at least one of you to have a job nearer home.

With kids come some sacrifices. If you haven't made any in your jobs, its usually because you've deprioritised your kids completely.

Didimum · 03/11/2024 15:12

£17p/h net? You’re paying your nanny too much. You can definitely employee a nanny for day 60hrs a week at around £16p/h gross in London, taking your childcare bill down to around £4700p/m

Fluufer · 03/11/2024 14:59

Your childcare is expensive because those are some really long antisocial childcare hours. You haven't really got any choices other than suck it up and pay it, or reduce your own working hours. Won't be long until they're all at school, you'll be able to save then.

WutheringTights · 03/11/2024 14:32

DH and I mostly work at home now, but when we were in the office we took it in turns to finish at 4.30pm to collect from after school club and do dinner and bedtime. I then logged back on in the evenings and worked until 11pm/midnight. That’s just what you do when the kids are young. You have to pick between spending time or spending money. I spent the time because I wanted to see my kids (and they needed to go to bed at 7pm), but it nearly broke me.

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