Thanks for the replies. The real problem is we have no family circle on our doorstep. Wife is from Ireland and my family are spread the length and breadth of Britain, so childcare is going to be required.
I'm looking into Dumfries area nurseries. Anything up to £700 a month we could just about manage, so hopefully get something lined up in time. The Annan based nursery is a racket from what I hear, effectively run as a ruthless business to exploit state paid childcare. Nothing wrong with state paid childcare at all, but it leaves you wondering....both my wife and I are in decent jobs and we are going to seriously struggle. We have both worked hard to get ahead in our careers and would like to both still work. I dont want finances to hamper our enthusiasm for bringing a child into the world, but it does concern me, especially as we spent nearly all our savings on buying a house.
Anyhows, a fair while to go yet, but as I said, just tring to think ahead. The replies are appreciated.