I am enjoying a reprieve from the cost of 2 kids in full time day care as they are both now in public school. It was like paying a second mortgage there for a while! But, I expect the costs to ramp up again as they get older and start to do more activities. They live a simple life at the moment, but it can't last forever! Then, we start again with DD who will go into daycare when I return t work. Money comes in, money goes out.