Hi,

questions are never ignorant. Costs of nurseries although important are not the only factor to consider. The biggest problem you will find is that there is not enough provision. Also due to regulations some nurseries do not look after babies less than a year old and there are long waiting lists for others.

Parents have to manage but it is usually with great difficulty. Tax credits used to help, although a lot less people now receive them and it is at a lower rate. One of the sad things is that you can’t work out yourself how much tax credits you will get until you commit to the cost. (Not the answer you were looking for.)

So my advice is now save as much as you can, don't spend any money on baby stuff unless absolutely necessary. You will need all the savings once you go to work (or not) because your finances will be greatly reduced whichever way you decide.

Good luck with the birth.