needing help and advise please

I'm afraid I'm not of much use, but I just wanted to sympathise - money woes are never much fun, especially at this time of year. I'm not sure what you mean by "old asian minded" (although I have some idea what you mean by "diffculty communication barrier"!), but is it possible to just stick it out for another year, until you qualify for the 20 hours free early childhood education? (That's assuming the new government doesn't mess with that, of course.)

I'm sorry if you have already been through this, but have you been through a budget so you can see where your money is going and where you might be able to cut back? It's a matter of deciding what your priorities are I guess - for example, would you be willing to live somewhere cheaper in order for Nicholas to go to daycare? You may be surprised at the way the costs work out, it might be cheaper for you to work part time, if that's an option, or even for you not to work at all, depending on where you live, how much daycare costs, and how long your commute is etc.

I'm sure your parents-in-law mean well, given they have been looking after Nicholas this long. If you mean they are unwilling to look after him any more, are they in a position, and are you able to ask them, perhaps to help you out financially to subsidise Nicholas' daycare, given that you have come to rely on them?

Probably someone who has been in a similar situation is better able to give you advice, but I didn't want to read your post and not reply. I hope things sort themselves out for you soon.