I know the baby element is stopping in April and the WTC is dropping to 70% for child care help. I currently earn £18,000 a year and DH earns around £16,500. Child care will cost us £50 a day (ridiculous!) when I go back to work. We can't afford that much a month when our mortgage alone is nearly £900 a month. Will we qualify for help or do I really need to come up with a plan b?