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Ruth Oseme writing in a notebook at her desk beside a laptop.

Nursery Finance Clarity

You didn’t open a nursery
to drown in the numbers.

But if you don’t understand your numbers, they will quietly run your business into the ground. Ruth helps nursery owners get crystal-clear on their finances, without the jargon and without the fear.

Nursery settings owned and operated
5+
Nursery settings owned and operated.
In funding gaps identified for clients
£10,000s
In funding gaps identified for clients.
Hour funding, decoded
15 & 30
Hour funding, decoded.
Practitioner, not a theorist
100%
Practitioner, not a theorist.

Ruth runs nurseries herself, so she reads your numbers as an owner, not as an accountant.

What Nursery Finance Clarity covers

Five areas of work. Some owners need one, some need all five. The free clarity call is where you find out which.

01

Understanding your numbers

Most nursery owners can tell you how many children they have on roll. Fewer know what it actually costs to care for each one, and fewer still know whether they are making a profit.

  • Cost per child calculation
  • Break-even analysis
  • Occupancy rate optimisation
  • Fee rate review

02

Funding clarity

Government childcare funding should support your setting. For many providers it quietly undermines it. Ruth helps you understand what you receive, what you should be claiming, and where the funding gap is costing you.

  • 15 and 30-hour funding, demystified
  • Funding gap analysis
  • Stretched and non-stretched hours
  • Supplement and enhanced rate review

03

Financial health checks

Your accountant files your accounts. Ruth helps you actually understand them: an annual health check on the numbers that decide whether the setting is sustainable.

  • A plain-English review of your P&L
  • Staffing ratio cost modelling
  • Wage bill benchmarking
  • Setting viability assessment

04

For buyers and turnarounds

This is the work Ruth is most known for and most passionate about. She has bought distressed settings herself and built profitable, Ofsted-ready operations from the ground up.

  • Pre-acquisition financial due diligence
  • Distressed setting triage
  • A turnaround roadmap

05

Training and workshops

Understanding the numbers should not be something only directors have access to. Managers and team leaders make sharper decisions when they understand the financial picture.

  • “Know Your Numbers” workshops, half or full day, in person or online
  • Finance for non-financial managers: deputies, room leaders and administrators
  • 1:1 finance clarity coaching, monthly or one-off

A benchmark worth knowing

Your wage bill should sit between 65 and 75% of your income.

Are you over or under? Either extreme signals a problem. Wage bill benchmarking shows you exactly where your setting sits, and what that means for the decisions in front of you.

Free guide

5 numbers every nursery owner must know

The numbers that decide whether your nursery survives or thrives.

  1. 1Your cost per child per hour
  2. 2Your funding gap
  3. 3Your wage bill as a percentage of income
  4. 4Your break-even occupancy rate
  5. 5Your setting viability score

Book a free Finance Clarity Call.

Thirty minutes, free, with someone who has run nurseries. Bring your questions and your numbers, and leave knowing where to look first. Fees for any work are quoted after that call, never before it.