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@oddexperience Then I’d probably fix for 3-5 years. Basically I’d want a plan that limits hope. Pausing savings and tightening the belt for a bit while a pay rise and saving nursery fees feels like a plan.

@oddexperience There’s a lot of “it depends” in there. How much does it put your monthly cash flow negative. How tight are other areas of your budget, are there other areas you could save some money, cancelling subscriptions you don’t, or rarely use. Could you save some money on groceries etc...

@oddexperience If a tracker is at 5.9 and you can fix at 6.6 that says that the banks, and all the people whose job it is to make educated guesses at what interest rates are going to do over the next few years think it’s going to go up further. Appreciate that doesn’t really help you, and they...

@friendlysusan Sorry, but this is wrong. They can charge for consumables and additional activities. Things like trips, food nappies etc, but they must offer an alternative option for parents who don’t want to or can’t afford to pay for this. It can’t be a condition or to fund the free hours...