Thanks for the welcome everyone.
Yes, I know how it built up. We bought a stupidly large house, DH took a pay cut due to the recession and lost his medical insurance and DH has no idea how much things cost. I pointed out that in 3 years I have paid over £18k for DD2 to go to nursery 2 days a week. It is lower now she has her EYF, but still £250 a month, plus £200 for after school club. DH will pick up kids. I'd like DD2 to stay at nursery, but she has another 18 months till she starts school. That is £4.5k. I'm going to see if they can do a shorter day, term time only to maximise her free hours and minimise additional fees. Perhaps 8.30 to 3 on a Friday? Maybe that would count as 2 sessions? I'll speak to the manager about options.
Also, spending money I didn't have on frivolities and then burying my head in the sand.
DS is glad he can now stop swimming and karate lessons that DH insisted had to continue, DD is sad, but I have promised to review it if the money situation improves.
Had a telephone interview today for new job within my firm. Unlikely to be more money in the short term, but probably more chance of progression. The new boss asked for me to do the job, but wasn't sure I'd want to move specialities. Now she just has to get approval to employ me on my current package. We get on well, she wants me, her boss wants things to go smoothly, my current boss thinks the job is perfect for me even though it will make his life harder.
NSD for me today, had soup and a roll (that I left in my drawer for tomorrow) for lunch, another soup ready for tomorrow. Will need diesel, but that goes on my expenses.