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Founder & Editor-in-Chief, Tom Townson Founder & Editor-in-Chief, Tom Townson

Childcare

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Childcare

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Hours start the term after nine months. Be back by the end of that month — annual leave counts, KIT does not.

Guide

You cannot have both. Universal Credit does not always win. Run the numbers before you open the HMRC account.

Guide

Funded hours and Tax-Free Childcare die at £100,000 net adjusted income. The test is per parent, not per household.

Guide

Four days at 80% can still be five days’ work. Run the leftover after nursery before you cut the hours.

Tool

The deposit is due before Universal Credit lands. Ask the work coach about the Flexible Support Fund first.

Tool

Birth month can be worth a year of nursery. Recost the session’s £5,500 against current fees before you rely on it.

Guide

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Family Money Wins

[PLACEHOLDER: We’ve rounded up some top successes from FME readers who’ve slashed costs using our guides. If you’ve saved with our tips – like cutting family bills or boosting savings – tell us at successes@familymoneyexpert.com. Featured stories get a shoutout!]

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John – 2026

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John – 2026

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John – 2026

Frequently Asked Questions

Item #1

Loved these articles and tools? Share it with your family & friends!

General/default (use on most guides):

Found this helpful for your family’s finances? Share it with friends, family, or anyone who could use a money-saving tip! Every share helps more parents make smarter choices. ❤️

For savings/deals guides (e.g., cheap credit cards, best savings accounts):

If this guide just helped you spot a better deal for your family, why not share it? Let’s help more parents keep more money in their pockets!

For parenting/budgeting topics (e.g., family expenses, kids’ activities):

As a dad of two, I know how tricky family budgets can be. If this helped you, pass it on to another parent – small shares make a big difference!

Encouraging community vibe:

Together we’re stronger with money! If this article gave you an ‘aha’ moment, share it and help other families level up their finances.

Short & punchy:

Help spread the word – share this guide and empower more families to save smarter!

Tom Townson, Founder of Family Money Expert

Section updated by: Tom Townson

Dad of two and Founder of Family Money Expert

Last updated: 09/11/2026
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