> £4,000pcm nursery fees

[MidnightPatrol]

For those of you paying this, how bad is it? How do you cope?

I am hoping to have a second baby but it’s going to cost ~£4,200pcm (ignoring any future fee increases…!) in childcare for a year or two.

Slightly terrifying, particularly in context of higher interest rates / higher cost of servicing a mortgage when I come off my low interest deal next year.

Yes and as someone earning over 100k, especially if she earns over 125k she will be paying tons of tax don’t you worry!

I'm also 35 (and didn't think I was particularly old so glad for all the backup in this thread 😂) and definitely not considering a second child till my 2yr olds closer to entering school - would never even consider paying for two at the same time thats madness!

Again, if you can’t plan for a few years of fully expectable childcare costs on a £100k salary I’m not sure why you would have your job. You’re in the top 2% of earners and STILL begging from other, vastly poorer people. The rest of your weak attempts to shriek about my projected ‘wrongness’ and ‘jealousy’ underlines how you react when told no. There are people who should have access to subsidised childcare. You 100% aren’t one. Are you?

I'm not one of those earners. While both my DH and I earn well, because I'm part time we don't hit three figures between us. Even full time, we'd only hit it because of overtime and a small bonus. We now qualify for some help with childcare, which in this market is very appreciated. But we did in fact plan accordingly.

But the fact you've gone on quite a personal attack when you thought I was has in fact given a lot away about how you personally feel about people who earn a lot.

I can separate it out. I understand that in some areas of the country, there's a higher cost of living, in an already inflated market. So while 100k would go miles in the North East (for example), it doesn't go very far in the South East. But, there's also limited jobs paying that amount in the NE. So you live where the work is. Someone earning double me and living next door should have more disposable, yes. But someone living closer to the capital probably doesn't.

Grow up and understand that because others earn more, their life isn't easier. And don't attack people based on assumptions you've made about their opinions. We all know what happens when you assume.

@Numberfish what’s with the nasty tone in your posts? I am one of those high earners you speak of and I pay an average of £5k in tax a month. Entitlement is expecting the likes of me to subsidise your life whilst pissing on someone else’s financial woes.

And this. 5k a month in tax but not entitled to the majority of things it pays for? Seems fair.

You know the OP being in the 2% of top earners doesn't take away from you, right? Just the opposite, she's subsidising many other lower earners. Everyone likes to moan about taxes, but only the highest payers are actually net contributors to the system, with your thinking, you're unlikely to be in this group.
Would you like it if your neighbour got a 50K pay increase for no reason than earn less then you? She's likely to lose out on more than that from a pretax salary just by getting no "free" hours.
The system sucks. Childcare should come out of the pretax salary, period. It's the cost of working. It's unfair to be paying for everyone else's childcare whilst bring completely squeezed.