Full time childcare more than mortgage

BillJones

Moto2 wrote: »

I just find that *generally* people in London don't have a lot of time for or have a great deal of interest in helping each other out for mutual benefit.
Which is the polar opposite to when I'm at home in Thirsk?

That's weird, I find that the residents of thirsk are of markedly low intelligence and short temper, and hold bigoted views about Londoners.

Funy how people can form strange views based on their prejudices, isn't it?

BillJones

CLAPTON wrote: »

curious

Are you saying people in Thirsk only help their neighbours if there is a clear return guaranteed?

I think he's just diaplaying small town prejudice and bigotry, as well as a touch of confirmation bias.

Moto2

BillJones wrote: »

That's weird, I find that the residents of thirsk are of markedly low intelligence and short temper, and hold bigoted views about Londoners.

Funy how people can form strange views based on their prejudices, isn't it?

I'll take that as a no then for calming you down and leave you to it.

noodle_doodle

fight fight fight fight

I think ukcarper is correct in taking the median wage, albeit the higher male value which is well sexist

what he isn't correct in is taking the terraced house as the average, he should take the median price of all housing in the uk to be comparative, after all he doesn't limit his median wage to just shop workers

For England & Wales, the median last year was £186,000 based on Land registry data
http://data.gov.uk/dataset/median_house_price

Which given the same £10k deposit, leaves a £176k mortgage, whichis £928 a month at 4%/25 years

Halle71

Back to nursery prices and the supposedly massive profits they make.

My son goes to a non profit making nursery in a children's centre costing £900 a month full time (a lot higher than our £636 mortgage). At £4 an hour it includes 3 meals a day and snacks and I feel we get very good value for money. So, while the service we receive is not expensive, it is a very large expense to us because of the number of hours we need to pay for.

However, my point is, if my nursery break even at £900 per month f/t, of course private nurserys need to charge more to become viable businesses.

Ps. Grandma and grandad live a little too far away and are a little too infirm for a boisterous toddler and my in laws are in NZ.

ukcarper

noodle_doodle wrote: »

fight fight fight fight

I think ukcarper is correct in taking the median wage, albeit the higher male value which is well sexist

what he isn't correct in is taking the terraced house as the average, he should take the median price of all housing in the uk to be comparative, after all he doesn't limit his median wage to just shop workers

For England & Wales, the median last year was £186,000 based on Land registry data
http://data.gov.uk/dataset/median_house_price

Which given the same £10k deposit, leaves a £176k mortgage, whichis £928 a month at 4%/25 years

I don't think my comment was sexist and object to you saying it was. The post I replied to was about two wages being needed to afford a house and that would be a couple and normally one would be a man.


I think using a terrace is ok because only 70% of people are home owners and you can easily argue that the median figure for home owners would be higher than median for all people.

Ronaldo_Mconaldo

My wife is a teacher, so good money and great holidays to look after our baby. Luckily my parents and my wife's live close by so they each look after our baby for two days a week each so no need to pay child care costs- wife works 4 days a week.

It's not about money for me though. Over my dead body would I leave her with some high school failure who couldn'tget a job doing anything else so ends up earning minimum wage looking after a load of kids in between smoking and texting breaks. I would hate to have to pay a grand a month for the pleasure of that too, having your baby confused about who their own family actually is.

Get your prioroties right, change jobs or give it up altogether. Otherwise why bother having kids if you're just going to pay a fortune to dump them on a total stranger.

CLAPTON

Ronaldo_Mconaldo wrote: »

My wife is a teacher, so good money and great holidays to look after our baby. Luckily my parents and my wife's live close by so they each look after our baby for two days a week each so no need to pay child care costs- wife works 4 days a week.

It's not about money for me though. Over my dead body would I leave her with some high school failure who couldn'tget a job doing anything else so ends up earning minimum wage looking after a load of kids in between smoking and texting breaks. I would hate to have to pay a grand a month for the pleasure of that too, having your baby confused about who their own family actually is.

Get your prioroties right, change jobs or give it up altogether. Otherwise why bother having kids if you're just going to pay a fortune to dump them on a total stranger.

Lovely to see some-one with a fortunate set up to be so humble about it.

N1AK

Ronaldo_Mconaldo wrote: »

Luckily my parents and my wife's live close by so they each look after our baby for two days a week each so no need to pay child care costs- wife works 4 days a week.

Aren't you worried that given the shockingly poor job they did of teaching you empathy as a kid they're going to mess it up with your spawn as well

Congratulations, you're paid enough and have parents local enough to be able to avoid needing to put your kids into nursery, what do you want a badge? Your comment about it not being about the money would be remotely credible if you'd actually done anything that required some form of financial sacrifice.

Halle71

Ronaldo_Mconaldo wrote: »

My wife is a teacher, so good money and great holidays to look after our baby. Luckily my parents and my wife's live close by so they each look after our baby for two days a week each so no need to pay child care costs- wife works 4 days a week.

It's not about money for me though. Over my dead body would I leave her with some high school failure who couldn'tget a job doing anything else so ends up earning minimum wage looking after a load of kids in between smoking and texting breaks. I would hate to have to pay a grand a month for the pleasure of that too, having your baby confused about who their own family actually is.

Get your prioroties right, change jobs or give it up altogether. Otherwise why bother having kids if you're just going to pay a fortune to dump them on a total stranger.

'Our' nursery has been rated outstanding with Ofsted with the food being highly commended. The staff are brilliant and most are still there looking after my son four years after my daughter started. Every day he is free to go outside in their amazing garden as he pleases, and at only 15 months he paints, draws, plays in the sand pit and on the water table. He sings and dances, has story time and plays games. In 6 weeks he has learnt to feed himself......

I don't know any mother, let alone grandparent, who would have the enthusiasm and energy to fit in all the activities my son does in one day at nursery. I am more than happy to pay these amazing 'strangers' to care for my children - I think they deserve a medal.