
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 …


Little Acorns: the Best Nursery & Pre-School in Clayton, Chorley & Central Lancashire

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);



1. Bird spotting
ee & Butterfly Spotting
3. Search for Animal Tracks
4. Make a Den
5. Float a Boat
6. Go on a Ramble
7. Get into Photography
8. Obstacle Course
9. Have a Picnic
11. Hunt for Mini Beasts
12. Get Creative with Rocks & Stones
Whether on the beach or in the garden, it’s surprising how creative children can be with stones and rocks! Stones can be painted with lovely patterns or images, perhaps combined with simple words or as part of a ‘stone story’. Bigger rocks can be piled one on top of the other to form sculptures — these look magical. Children will love these and other creative activities that they can take part in outdoors, with simple stones and rocks.


Providing food for birds is a win-win for everyone — humans and birds alike. Birds obviously get to eat much needed food without huge effort and children get to learn more about nature and perhaps individual bird visitors. (We even name our regulars! “Vern” is a tame blackbird, for example, having been named after a character in the famous movie Rain Man). By encouraging birds to visit, children will soon be able to recognise and name the different species of bird too, particularly if given some help from a parent or bird book. Visitors might include robins, blackbirds, blue tits, great tits, long-tailed tits (our favourite), thrushes, starlings and, if they’re lucky, more unusual, colourful birds like nuthatches, woodpeckers, bull finches and gold finches. As it gets colder, some species will travel to warmer countries to overwinter. For those that stay in the UK, however, food from a friendly young nature-lover will be a real lifeline.
If children do get involved in feeding wild birds, they’ll soon begin to realise how delightful the little beings are. They each have their own character, likes and dislikes. Children will get to appreciate this if they keep up the feeding and the birds will soon realise where to find the food each day. Children will get to understand the importance of nature and learn skills like empathy, understanding and responsibility as they nurture the wellbeing of these beautiful wild visitors. Animals, birds and insects are all individuals and it’s good for children to recognise this. By feeding birds and other animals, they will also be able to continue to appreciate nature and the natural world, just like they do in our
There are many bird feeders available to purchase in supermarkets and local shops, although we simply buy ours as part of our weekly online supermarket shop. Many are quite inexpensive. From fat balls and filled coconut shells, to seed cakes, hanging dispensers and pre-filled seed feeders, the variety available gives parents and children a huge choice. In our own garden, we have found that
Grated Cheddar cheese (mild and in moderation) will be very popular. Robins, blackbirds, sparrows, starlings, pigeons and doves adore it! Mouldy or ‘blue’ cheese should be totally avoided, though, as the mould could harm or even kill birds. Meanwhile, bread will fill birds up but it doesn’t hold much nutritional value for them, so only feed bread to birds in moderation. It’s incredibly important not to feed them mouldy bread too, or for it to be left to go mouldy once outside. Mould can greatly harm or even kill birds.
The RSPB provides
Window recesses, higher windowsills and balconies will usually offer some kind of suitable site for feeding birds. Careful choosing of the site for your bird feeders is an important consideration, however, which could make or break your feeder’s success and the wellbeing of the birds you are trying to help.
A Word About Hygiene for Your Family & the Birds


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.

Eating a healthy, balanced diet is important at any age. However, during their formative years when they’re still growing, it’s even more important for under-fives. Their young bodies and brains are still developing, so getting the right balance of food types, vitamins and nutrients is essential in order to maintain optimum health, cognitive function and even sufficient energy levels. (Regular exercise is also essential, of course – however, we’ll cover that separately in a future post).
That’s a huge and important list of benefits. Advice from Public Health England also suggests that exposing children to a wide variety of different foods from an early age not only gives them access to greater diversity in what they eat, but is also likely to make children more accepting of new foods as they grow older. And, of course, that greater diversity in food types means a more diverse range of nutrients, vitamins and minerals will be consumed.
As part of a healthy diet, children should try to eat something from each of the four main food groups every day. These are:
Dairy products, which give children much-needed calcium, Vitamins A and B, potassium and more. Aim for 3 portions of dairy products per day. Examples include milk, yoghurt and cheese. Use full-fat options for toddlers and then, from the age of 2, switch to semi-skimmed varieties.
At Little Acorns we are serious about playing our part and serve up healthy, balanced meals each day to our children along with suitable drinks and healthy snack options. Breakfast, lunch, afternoon and teatime snacks are all provided and included in our standard nursery fees. Food is prepared each day by Judy, our wonderful in-house chef, using the highest quality, fresh ingredients, sourced from local suppliers. Food allergens are extremely carefully monitored and managed. Any special diets, e.g. vegan or vegetarian, are also catered for as needed — simply forewarn us about any specific requirements and we’ll be happy to accommodate them.
Little Acorns Nursery has a 










Indeed, parents can be thought of as key to their children’s success, if they support children’s education in the right ways. We’ll go through exactly what that means, along with some of the many benefits, in this article.
Parents of successful, grade A students, will generally also have engaged with staff at nursery/pre-school and school. That includes at parents’ evenings, of course, but parents should also be fully abreast of their child’s progress at every point in between. Parents and staff need to talk and feed back to each other about each child under their care and, indeed, that’s exactly what we do at Little Acorns Nursery. This, and a personal development progress folder for every child, is all part of the EYFS curriculum at the nursery in fact. In this way, parents and staff can each see the bigger picture and identify where successes are happening for the child, or where more work is needed — including at home.
Parents can help children with homework too, of course. They can explain things that the child is perhaps confused or unclear about, in an unrushed, relaxed home environment. Parents can work through their approach to finding answers to questions and explain how they arrived at those answers. This, too, is like gold dust to an otherwise struggling child. It’s one of the reasons why the human race itself has come such a long way — through shared information.
• In turn, that ultimately leads to better careers as adults, with higher rates of pay.



