Re: nursery fees. Yes obviously we ‘can’ afford it, insofar as the mortgage isn’t going to go unpaid. But I don’t get to the end of each month and think “what am I going to do with this £1300 just sat here?!”, I’m not totally sure where it’ll come from, but it’ll be alright I’m sure. We could send her somewhere cheaper, marginally, or mrs njee20 could not work, it doesn’t make financial sense for her to in the short term, but as said previously I think nursery is great for parents and children, my son loved it (luckily he started school last month, so we’re not paying for both together) and it’s only for a few years until it all changes again.