This crosses over to so many different boards but I’ll try to summarise.
I am a teacher. Take home pay is around £1700 for three days a week.
DH works away three days a week. The other two days he is often WFH but not always.
We have one DS, who will turn 3 in December. He will therefore be entitled to some funded hours from January 2024.
Baby no2 is due mid July - literally the day I’d have broken up for the summer holidays so I couldn’t really have timed it any worse financially!
At the moment we have a bit of a nightmare situation with childcare where a local nursery closed very suddenly which of course then our subsequent pressure on all the other nurseries and childminders. So while we weren’t directly affected, I’m a bit worried that if I reduce DS’s hours, I may not then get them back.
On the other hand, his nursery fees will be in the region of £700 a month if I keep him in for three days from July until December. That takes most of my maternity pay during that period and will actually be more once I’m on SMP, though hopefully the funded hours will kick in then.
I do have a small personal income though and also as lovely as DS is he’s full on and I do find winter tough going so tempted just to keep him in for three days as he is now.