So, I'm leaving this incredibly late. DD starts daycare on Tuesday and I thought I'd registered for CCB but apparently not. Now I'm being asked if I want it as reduced fees or a lump sum.

On the one hand, paying less cash each week would be nice, but on the other hand we can probably afford more each week and we probably wouldn't notice the saving much. A lump sum would be a more noticeable benefit y'know?

What do you do and why?

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