So what's the alternative?
The nursery my children attended now costs £258.36 a week for under two year olds, which becomes slightly cheaper as they get older.
We struggled to pay when my ex-hubby and I were married, but I couldn't have afforded it at all when I became a single parent without child tax credits.
If I hadn't have worked, I wouldn't have been able to afford the mortgage and I would have had to claim Jobseeker's Allowance plus child tax credits. I would also have received housing benefit and council tax benefit.
I was fortunate that I did have a well-paid job and could just about cope, but many people don't. The total of JSA, child tax credits, housing and council tax benefit is probably more than subsidised or even free childcare.
Not only that, but I now have an occupational pension and will receive an almost full state pension, which means I won't be able to claim Pension Credit.