My daughter will be three in autumn. I want to send her to nursery/playgroup for her 15 hours funded. She hasnt been before as im at home. I found a fab nursery with a great reputation but im struggling to understand the fee system. As i will only be sending her term time they have talked about retainer fees/ top up fees but im worried im not going to be able to afford it. They havent said how much as i wont know until later, when and what days she can go. I feel silly not being able to get my around it and i cant ask friends for advice as those with kids all work full time anyway. I feel like an idiot! Anyone else pay a retainer fee for term tiime only and how much is it?