The alternative to any of this is me going back into the work force & using a creche etc. which is really something I would prefer not to do.
So am I right in saying if you stay at home you are looking to service €433 +40K debt on an income of €40K and €23k savings? Given the 40K income (and a bit of profit from rent) you seem to be highly geared, paper asset rich but cash poor?
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