Another problem if you are CX is that the education allowance pays a part of the school fees and nothing more. Have started to look into the schools and talk with parents and found that there is less and less covered by the basic fees and more and more out of your own pocket. I know a few people putting about 8-10K aside a month to allow their children (two under 10) to do all the school trips, painting etc. that used to be included in the basic fees.