Hi there - the simple answer to your (OP) question is I cannot.
As a single mum, with minimal support from the dad, other than the occasional help with milk and clothes...I can honestly say that having had my first child and I will suppose only child at 44 - there is very little government support for those of us that have 'paid into the system' for years, and then have children.
Spending time with my child has not just been the only an option of choice, that I am eternally grateful for, but also a necessity as I just could not afford full time child care, and sustain a mortgage in London. Between these two outgoings each month, that would have been 80% of my salary.
I would have liked to have thought, I could manage both a continued career, and eg. start a pension, while raising my son till school aged, but that was just not financially viable, with a single income, living in London, unless I was making more than 45K a year. Unfortunately, I do not fall into that salary bracket.
Now I have taken the 3 years 'off' to raise him, I am faced with the stigma of being 'out of work' for 3 years, plus my age, and the competition of so many other younger childless unemployed in the current economy. So finding a job is harder than ever before.
As he just turned 3, (Oct) he has started attending pre-school nursery, (Jan) which he needed so badly as an only child, mainly for socialization, and getting use to the routine and culture of school. My mother helps me with my half of the costs, as even with the 15 hours a week free, it is totally unfeasible on a £537 a month income.
I would like to know if any other single 'older' full time 'unemployed' mums with mortgages, have faced similar problems or have any comments.