We pay for DD to go to playschool twice a week and i'm reluctant to give this up.
Will probably reduce the investments payment again to free up the money.
If I were in your situation, sitting on a 450K house, I'd probably think of moving to a less expensive house and becoming debt-free. Somewhere like Portlaoise which is on the train line to Dublin, 30 mins drive to Naas and less than a hour to Maynooth. As your kids haven't started school yet and you're both unemployed there wouldn't be huge disruption. If debt-free you wouldn't be under huge pressure to secure jobs straight away and, again if it were me, I'd be thing one should get work and the other should look after the kids, forget childcare - work to live rather than live to work.Its a small town and here unfortunately for a lot of positions its who you know not what you know.
we're located within an hours drive of a major town but that commute will shorten soon with the opening of a new road. We moved out of Dublin to have a better lifestyle and quality of life especially for our two smallies, had we stayed in Dublin our mortgage would be twice what we have now and we would still both have had to work.
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