I'm an NQT having a very private, inner breakdown three weeks in. Just found out the expensive repairs to our car aren't covered by the insurance because MIL, who was driving, only had third party cover and didn't tell us! Getting that off her will be like blood from a stone. MIL already owes us for work dh did for her which has left him out of pocket. Dh is too nice to be firm with her and my hands are tied as she's not my mum! Do I even have the energy for that argument with dh right now? Tax free childcare are cunts and haven't paid our childcare providers and I don't know why. Just found out my credit card has been closed and a default registered to my name, even though I've never missed a payment - all I did was ring them to let them know we might struggle over summer before my job started but then scraped the money together but apparently they didn't even bother checking that. Now I have to spend hours on the phone arguing with them too. Can't do paragraphs on here = super annoying. Lots of books to mark for tomorrow. Kids are tired and grumpy and burst into tears when I picked them up because they didn't want to go home yet. Fml.