My childcare bill for the first year of Uni was £2400 a month. Two in wrap around care, a toddler in daycare. Student Finance paid 85% via a Childcare Grant, and my Uni has a pot of money for covering the rest. Even if it had been part of the loan package, I’d still have done it.
It dropped to £1800 a month after a year when my eldest went to secondary (and that was a whole other problem as she’s August born so a very young Y7!) and dropped again to £800 when my middle child went to secondary.
UC pay 85% for any age child, provided you’re working. But it can be a fucker to claim as daycares always want paying upfront for a month, despite the fact that everyone gets paid wages and UC in arrears. That’s the stumbling block for a lot of women.
But do ask around, because in my first year of Uni, CCG was paid TERMLY IN ARREARS (it isn’t now, it’s weekly in arrears, and done online, processed immediately, rather than via paperwork that takes 6 weeks minimum to process!), and both childcare providers I used were surprisingly okay with this, as they’d had a lot of student parents before.
I mostly miss things like - uninterrupted baths, long showers, reading a book! My 6YO still doesn’t sleep well, I have to lie with her till she’s asleep, which takes a chunk out of my evenings.
It does get easier though, I promise.
The hacks that worked for me when I was a lone parent to my eldest two, who were 3YO and 6 months when ExH left for OW, did not work as a lone parent to 7YO, 5YO and newborn.
Especially as youngest had GERD, dairy allergy, and lingering issues due to the sepsis. She was syringe fed until 12 weeks due to the constant projectile vomiting when fed via bottle (spent a fortune on different ones) and she could not breastfeed at all, even after her tongue tie was sorted. How she avoided Failure To Thrive I don’t know.
She had to be upright 24/7, and luckily I had a friend who was a dab hand with woven wraps and spent hours and hours showing me how to wrap her safely on my back so I could have my hands free to make dinner, bath my eldest kids - she wouldn’t tolerate being in the baby bouncer seat, she HAD to be touching me.
I spent countless nights sat upright in bed with her asleep on my chest, with nobody to tag in so I could sleep.