Thanks jaz, I have removed it now, however it doesn't bother me personally, I like the forced savings. but I was trying to explain it how friends who are in a similar situation to the OP explained it to me after they called Centrelink when they were confused about a differing amount.
My correction wasn't to you particularly. It was a generic thing cos it seems child care centres insist in saying 35% and it isn't the case and causes extreme confusion.

Jaz. I would be checking with your cc why you are using all your ccr in the first quarter if the year. You'd have to be paying something like 250 a day per child and using 5 days a week to use all 7500 in a quarter. Seems very steep. Most people get to about half way through the third quarter before it runs out if they are using full time care for a bub...