I wrote a long post yesterday and it never appeared! Mammy's kittens, poorly frugaleers, fluffy's zits, Laksa and crime telly (or was that the previous day?)... anyway, gone now!
I thought schools would administer medicines that are prescribed, but not ad hoc Calpol etc (that's my understanding round here anyway). That stops them worrying about possible reactions etc and also means the poorly kids have to stay at home unless they are in the mend and checked out by the gp. That seems okay but just saying no really isn't 
Re mortgages, I remember when interest rates went up to about 15% in 1989-90. My parents were hanging on by the skin of their teeth - it was a scary time. After so many years of low rates it would be a huge problem for this generation if they shot up again - no one expects it could or would happen.
I wish we could overpay our mortgage but we can't while I'm not working. We do have quite chunky savings that we could put against it which would bring it under £200k easily but we haven't done it because we'd rather have access to the money while we don't know when I will go back to work.
Mind you, we didn't overpay in recent years even when working because childcare was so expensive, and we've done bits of work to the house instead. And we were saving for possible IVF (not needed thankfully but all being spent on time off and DS's therapy now). It'll definitely be a priority when I go back to work, assuming childcare costs give us the option with 2 kids to worry about!
Yesterday was very busy and productive but also spendy. My house was a revolving door - by 2pm I had engaged a cleaner, booked an electrician to do my extra sockets, spent 90 mins reviewing DS's EHC plan with his private SLT and had a home visit from Carpet Man and ordered a carpet for baby's room! All of these visitors required me to spend money. So £££££. But I am really pleased to have got things all lined up for baby's room. My sister is painting it next weekend and the weekend after that, when the carpet is done, I can get the Ikea furniture in, and then buy drawers, which will mean that I won't have baby stuff all over the house! Hooray!
Also worked today so that's money in the pot. I would rather work than do my own cleaning at the moment, given how painful it is to bend down, lift stuff, Hoover etc so it's a good swap! Spent about £7 in Pret on yummy lunch and a drink, no remorse 
. Tonight I have to do a mega tidy and declutter because the new cleaner starts tomorrow with a double shift to deep clean everything.,She ran her finger along the top of the fridge and it wasn't pretty 