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@agear69 You are paying 10% interest on £18k or £1.8k a year interest. If you save £18k, in a year, how much would your returns be? 3% at best so £540. You are -£1260. If your interest on your liabilities is higher than the return on your investments you are better off paying the loan. If you...

@agear69 I'm with you to an extent as well, it is a small amount of your wage and it is always a balance of living in the moment vs preparing for the future. However, any savings or investments (apart from your emergency fund and pension payments) are basically pointless as you will be paying...

@chuckpeterson I would, in fact I do because our nursery is amazing but they are not following the rules. You could do something about it but just beware what the outcome could be.

@chuckpeterson Your nursery has just been honest about what they are doing rather than doing the same thing but calling it food, nappy etc. surcharge. Probably they have just misunderstood how it works and will either adjust the consumable (as above) or stop accepting the 30 hours (I know of...