Each year, around 1 million families miss out on thousands of pounds in free childcare funding — despite being eligible through the Government’s Tax-Free Childcare scheme. Are you one of them?
In today’s guide, we take a look at Tax-Free Childcare, which could effectively contribute anywhere from £2,000 to £4,000 per child, per year, towards childcare costs for eligible families. Those are significant sums, which could really help families, especially with the rising cost of living. The funding is there for for the taking if you’re eligible So, don’t miss out!
Let’s take a look.
What is Tax-Free Childcare?
In effect, the Tax-Free Childcare scheme subsidises childcare costs by utilising the tax that eligible families would ordinarily have pre-paid on the taxed income they use to pay for childcare. Specifically, the Government will add an extra £2 for every £8 that eligible families pay into a special account used childcare costs — even more if the child has disabilities. We’ll explain more about the childcare account later, but the good news is that you can get as much as £2,000 per child per annum if you’re eligible, or up to twice that if your child has disabilities. That’s a lot of money!
Who is Eligible for Tax-Free Childcare?
Families, including single parent families, are usually eligible for tax-free childcare scheme if they meet the following criteria:
- The claimants are working (employed or self-employed) in the UK;
- They each earn under £100,000 per annum;
- They each earn at least £152 per week, which is £1,976 over the next 3 months (the equivalent of 16 hours per week at the National Minimum Wage or National Living Wage at time of writing);
- They are not in receipt of childcare vouchers (which are closed to new applicants anyway), Universal Credit, Tax Credits or a childcare bursary/grant;
- Parents/carers/guardians are over 16;
- Children for whom they are claiming tax-free childcare is/are no older than 11 years of age or, if they have disabilities, no older than 16;
- They should usually be living with the parent/carer/guardian(s) making the claim.
The above list represents the key rules governing eligibility for most families. However, there are some additional rules around eligibility — and some welcome exceptions to the above. Immigration and citizenship status may affect eligibility, for example, and some who are not working may still be eligible for Tax-Free Childcare under certain circumstances. Learn about eligibility rules for Tax-Free Childcare in more detail here.
Many will also be pleased to learn that families can also claim for the 30 Hours of free childcare scheme for 3 and 4-year-olds if they’re also eligible for that.
Which Providers Can Provide Childcare Under the Scheme?
The Tax-Free Childcare contribution from the Government can only be used to pay for childcare provided by approved childcare providers that have signed up to the scheme. Such providers must be registered with either the Early Years Register, the Childcare Register or Ofsted in order to be approved. However, they can be nurseries, childminders, nannies, play schemes or even after school clubs. Little Acorns Nursery is, of course, such an approved childcare provider and would be happy to assist families to make the most of this very useful, free childcare funding opportunity.
How to Apply for Tax-Free Childcare
If you think you are eligible, you can apply for Tax-Free Childcare here. Applications usually take only twenty minutes or so and you will need:
- Your Government Gateway User ID (or set one up if you don’t yet have one);
- An email address and mobile phone at the ready;
- Your own National Insurance number and that of your partner if you have one;
- Your Unique Taxpayer Reference number (UTR) if self-employed;
- One or more of the following (for you and your partner, if you have one): UK passport, P60, recent pay slip if you are working, Tax Credits confirmation from HMRC.
The application for Tax-Free Childcare will usually confirm right away whether you are eligible for tax-free childcare. It will also confirm if you’re eligible for 30 hours of free childcare for 3 and 4-year-olds, which is an added bonus.
How is it Paid?
A successful application results in the generation of a Childcare Account, held jointly by you and your partner if you have one. You will then need to credit your account with your own payments for childcare provision and the Government will top this up with their contributions, equivalent to 20% of childcare costs worth up to £2,000 per annum (paid as £500 max. per quarter) or £4,000 (paid as £1,000 max. per quarter) if your child has disabilities. Paying your contributions specifically by Bank Transfer will apparently speed up payment of the Government contributions, by the way.
Once funds are showing as available, your childcare provider can be paid for childcare services direct from your childcare account, as either one-off, or regular payments. It cannot be used to pay for anything else and you’ll be required to confirm that your details are still up-to-date each quarter (a reminder will be sent when this is required).
Good luck and do let us know if you need any help or advice in regard to your application.
Little Acorns: the Best Nursery & Pre-School in Clayton, Chorley & Central Lancashire
Our amazing National nursery award and outstanding Ofsted rating prove that we are probably the best nursery and pre-school for babies and under-fives in Clayton-le-Woods, Clayton Green, Clayton Brook, Chorley, Central Lancashire and even beyond. Give your baby, toddler or under-five child the best start in life by choosing the exceptional childcare service from Little Acorns Nursery. For more information or to register for a nursery place, please get in touch. Choose a button below to get started …
If you are looking for the very best childcare provision for your child in Central Lancashire, there are a multitude of reasons why you should choose Little Acorns Nursery. Put simply, Little Acorns offers the very best possible childcare service for under-fives — but you don’t need to take our word for it. This is independently verified, as you’ll see below. Take a look at our top 20 reasons to choose Little Acorns Nursery and you’ll soon see why it’s virtually impossible to beat when it comes to outstanding childcare provision.
The quality of teaching, learning and assessment at the nursery was also found to be simply outstanding when Ofsted appraised us. It doesn’t get any better than that.
Little Acorns Nursery has received a number of awards for it’s healthy eating policy. These include a Recipe 4 Health Award and accreditation via the Smiling For Life Award. Each recognises the healthy meals and snacks that we provide to children under our care.
It almost goes without saying that, of course, Little Acorns Nursery has a 5-star food hygiene rating. Once again, that’s the topmost rating. Quality and professionalism are, after all, at the heart of everything we do.
Everything we do at the nursery has a purpose, whether it’s a customised approach to learning for a specific child, the choice of a particular activity or game for another, the purchase of a piece of new equipment, or the way we keep parents informed about their child’s progress each day — there is a reason for everything we do. Ultimately, our goal is to give every child the very best start in life and to equip them to achieve their personal best in every area. In this way, they are given the tools to achieve the very best outcomes in their lives.
Our Forest School should be open from Autumn 2022. Children love Forest School and it teaches them so much about nature, the natural world and ultimately about themselves. 
Last year, we wrote a detailed post outlining 
Interestingly, under-five children who came from disadvantaged backgrounds were shown to benefit even more than those who didn’t. For this reason, reading with parents/carers has been proposed as a possible way to close the performance deficit often seen with children from such backgrounds. It may well represent a perfect solution to even up the playing field.
Deeper bonds with parents/carers (after all, this is quality time spent together, one-to-one);
In today’s post, we take a look at the importance of outdoor play for children in their early years. Indeed, there are many benefits, as we’ll see …
Playing outside is also a healthy release from things like TV, electronic screens and, potentially, from an otherwise more sedentary lifestyle. Away from the confines of the indoors, outdoor play allows children the freedom to move about more freely. Outside, they’ll learn to navigate spaces, obstacles and play equipment, all the time improving spatial awareness, coordination, balance and gross motor skills. These include running, jumping, climbing and so on. Their fitness levels will naturally improve too, as they build stamina, muscle and strength. This is all incredibly good for them.
At Little Acorns, we understand the importance of outdoor play. Little ones, from the age of two have access to our outdoor gardens and play areas — all under close supervision, of course. We have invested heavily in a whole range of exciting, stimulating and educational outdoor facilities for the children to explore, play with and learn from. As they do, they will not only learn but they’ll also hone fine and gross motor skills, improve coordination and balance, improve physical fitness, enhance social skills and build friendships. They will also soon become better at recognising and balancing risk, they’ll become more independent as they move around freely. They’ll also learn from mistakes. Their self-confidence and self-esteem will also naturally grow. These are all incredibly important skills that will stand them in good stead as they gradually approach the age where they’ll leave us to move on to school.
Taking outdoor experiences for little ones even further, Little Acorns regularly takes children on outings, including to local parks. More importantly, though, it was one of the first nurseries/pre-schools to introduce Forest School to Central Lancashire. This is the ultimate outdoor experience for under-fives and teaches them so much about the natural world — and also about themselves. As well as learning a huge amount about nature, flora, fauna, the seasons and about playing and learning in the Great Outdoors, Forest School helps them learn additional skills like problem-solving, working in teams, leadership, resilience, empathy, caring for the environment, personal responsibility and so much more. Learn more in 
All these outdoor activities also support the early years curriculum. Outdoor playing and learning covers many of the areas outlined in the Early Years Foundation Stage (‘EYFS’) learning and development framework, which is prescribed for all childcare settings in England. Specifically, outdoor play helps children in at least four of the seven key areas of the EYFS including:
Making bird feeders 
Seeded pine cone bird feeders 
Water bottle bird feeders.
Then, they can be partly filled with bird seed, or perhaps grated Cheddar cheese. Alternatively you can see that some of the designs could be used for drinking water, for example the one shown immediately on the left or at the very top of this article. Another variation even has a plastic spoon pushed into it, forming a convenient perch for the birds to land on and to feed from (see right).
Carton bird feeders
Monkey Nut Bird Feeders
If using peanut butter in your home-made bird feeders, ensure it is fresh, has no salt or sugar added and is not ‘flavoured’. Smooth or crunchy peanut butter is great for bird-feeders, though, and you can even stick extra bird seed to it once it’s been spread on your feeder e.g. pine cone or apple. There are also some peanut butter brands made specifically for wild birds, by the way.
Why Nature is So Important for Children
Today we’ll look at the immense benefits of nature to children. While the long-term benefits of nature are reasonably well-known, it turns out short-term exposure to the natural environment also has1 clear benefits for people of any age. The benefits are even more beneficial, though, for young people during their early years, at school and in higher education.
One of the wonderful things about nature is that immersing oneself in it need not cost a penny. With so many proven benefits, it just goes to show that the old adage that ‘the best things in life are free’ really is true when it comes to nature. Exposure to the natural environment and green surroundings has been shown to have clear benefits …
The benefits of restored attention skills in themselves should not, of course, be overlooked. Interestingly, research6 involving cognitive tests on school children found that children who had undergone the tests after walking in a natural wooded environment were quicker to answer – and significantly more accurate in their answers – than those who had instead practised mindfulness in the classroom or who had spent time in the school playground during the break.
Almost Endless Benefits to Children
Greater empathy e.g. taking more care of other living things, plants, etc.;
Just imagine, then, how much children benefit from nature when attending a Forest School setting such as that available at Little Acorns Nursery, Chorley. At Forest School, little ones will spend significant time in local green and wooded spaces, so these findings show just how important Forest School is for youngsters. Why send your child to an ordinary nursery, then, when you can send them to 
Children living in England are very fortunate to have their early years childcare supported financially by a variety of Government funding schemes. The 3 most important, popular and widely-available schemes are:
Let’s look at each of the schemes …
Taking the above scheme a step further, eligible families are able to top up the standard 15 hours per week with an additional 15 hours of free childcare in specific circumstances. In effect, this can double the child’s free childcare hours from the standard 570 hours to 1140 per annum. These are usually taken as 30 hours per week over 38 weeks although, again, some childcare settings may be able to be flexible and to spread the hours out in a different way.
Under certain circumstances, children aged just two can have some of their childcare funded by the Government too. However, it’s much more restrictive for this age group. If successful, though, the Government will fund up to 570 hours of childcare for a two-year-old over the course of a year — that’s significant and could really help mothers or stay-at-home fathers get back to work sooner. As with the 3 & 4-year-olds, the 570 hours is usually taken as 15 hours per week over the course of 38 weeks, but some parents may wish to ask their childcare provider if it’s possible to spread it out in a different way.
Generally speaking, under-fives should be encouraged to be active. There are many benefits of this including remaining physically fit, getting to know and enhancing physical abilities, honing motor skills (fine and gross) and improving coordination and balance. In addition, it helps the very young to develop visual and sensory skills. Physical activity is also part and parcel of the development of new neurological pathways in the brain. All these skills and benefits will become increasingly important as children grow, develop and become ever-more active and independent.
Once they reach the age of 3 to 4 (preschoolers), 3 hours of physical activity is an ideal daily minimum. Now that they’re older and more confident in their physical skills, they can continue with the toddler activities but add more complex and moderately vigorous options to their play. Dancing, swimming, scooting, climbing, chasing, cycling and energetic outdoor activities are good examples.
