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    30 hours free childcare and top-up fees

    @jaelhope OP isn't paying for 26 hours per week. OP is paying for 28 hours per week (it's 22 hours per week when split over the full year) and 22 hours as a top up from what they charge and what they get from the council which isn't allowed. OP should be paying for 28 hours per week in full...
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    30 hours free childcare and top-up fees

    @needsafriendtochatto Of course not. It's just in OP's case, I think they're being ripped off by this nursery. The nursery will be getting around £6 an hour for the funded space so £6,840 a year. I'm not sure on snack supplement as only some councils do it. So OP is paying £15,600 a year and...
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    30 hours free childcare and top-up fees

    @needsafriendtochatto OP's in London, hence my comment about London. I'm not in London either but everything in London is more than everywhere else. Even minimum wage!
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    30 hours free childcare and top-up fees

    @needsafriendtochatto The average across London was £5.67 in 2020, it's increased since then. Wandsworth for example is almost £6 per hour
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    30 hours free childcare and top-up fees

    @phoenix23 It's 1140 hours per year whether used term time or not so 95 hours per month if you pay monthly invoices. Weekly all year round, it's 22 hours, not 17. The funding is claimed each term by the provider so if they charge monthly, it will be however many invoices were issued in that...
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    30 hours free childcare and top-up fees

    @chuckpeterson Your bill should be reduced by 95 hours per month then sundries added (reasonable fee's for food etc). They aren't allowed to do what they're doing. If you use the nursery full time, for example 45 hours a week, your bill should be slightly over half what it was before so...
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    Is there such a thing as a financial M.O.T?

    @lisaomo Just post your questions here. There's bound to be a handful of people able to answer them. For actual financial advice, find a financial advisor rather than an accountant
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