Free funding V Universal Credit

[Lou1979Participant]

Hi all.

Looking for some advice, my little dude is 3 in September and I currently work 3 days a week and he goes to nursery for 2 of those days. So I have my wages and then I’m topped up by UC. I’m trying and have been for awhile to work out if it would be better off doing the free funding or keeping to the UC as I also want to increase my hours and have him in nursery for 3 days a week.

Any help would be greatly appreciated as I am struggling to work it out.

Thanks

Lou x

[SOLOMUMMYParticipant]

The 30 hours free funding won’t kick in until January for your child. Obviously he’d be entitled to the free fifteen hours and possibly already is.

Financially nurseries are difficult to navigate as each have different ways of trying to recoup the money they don’t get with the free funding.

Generally, school nurseries are better than private in not adding huge extras on top, but again you’d have to ask.

You really should be better off with free hours as then uc would pay a proportion of what’s charged on top, so all round it would be cheaper for you.  But I’d actually ask the urseries you’re interested in to quote theit prices for the time periods you want and then you know the “extras” and can do the maths from there.

[mccroryashParticipant]

I work 30 hours I get UC and my 4 year old gets 30 hours free childcare. I have 2 children and my nursery fees are £1082 per month UC pays 85% of my costs.

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