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@ligerheart25 I also don't understand why people think rates will decrease massively. Historically the ultra low just above 0% rates are the aberration not 5%+ rates. There would have to be another serious financial event for rates to go back that low again.

@jesselynn Our 4 year old was at the lovely local pre-school nursery and had no extra top-ups. It was term time only and you had to provide a packed lunch but I would say at £1300 / month on top of this for the non term time cover plus food that they absolutely are making tons of money.