Minding costs

Although I have the income potential of up to 18 an hour (out-of-school hours only and if I have no children of my own), or 9 an hour with three under-fives - the maximum childminders can be registered for - this does not take into consideration any expenses, including resources and equipment for a full range of ages, outings and toddler groups, transport, food and drink, heating and lighting, and general wear and tear on home furnishings.

Childminders also do a lot of work outside paid hours, including training provided - but not necessarily funded - by the local Early Years Development and Childcare Partnerships that is often attended by a variety of practitioners, including teachers and nursery nurses. Then there is the National Childminding Association's Quality First assurance scheme, and its Certificate in Childminding Practice, which is a CACHE Level 3 qualification funded by the childminder. There is business administration, including financial accounts, policy writing and reading mail, circulars and publications; and sickness and holidays, that are also unpaid.