Hard call. I would also be rather reluctant to start him at 4.5 but the whole family situation does need to be taken into consideration. Have you looked into costs of hiring a private nanny? Or an au pair if you have room in your house (or could hire a transportable/caravan for the back yard)? Is family day care any cheaper?

Also, you should totally go overdue and have three June babes
We do have a separate granny flat which we use as our study/bedroom for my FIL when he comes to stay... It may be financially more viable to hire a nanny/au pair and I have yet to look into that. Family day care is an option but I do want to put DS1 into pre-school anyway because of the structure and "learning".

There is a chance I could have another June baby... if bubs is 12 days late!!!