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Need help with childcare costs? Can tax credits or employer schemes help and what are the responsibilities of employing a nanny? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk

Returning to work when you have a young family can be an emotional time and a tricky balancing act, with decisions about the type and cost of childcare to best suit your needs.

The Family and Childcare Trust say that a full-time nursery place for a child under two now costs over 拢9,000 a year. The expense could be eased if you claim help through tax credits or if you pay through an employer voucher or direct payment scheme.

If you'd prefer to employ a nanny you'll have to consider tax and national insurance, employment contracts and paid leave.

So what's the best option for you? To answer your questions and explain the rules, Ruth Alexander will be joined by:

Anand Shukla, Family and Childcare Trust.
Helen Harvey, Nannytax.
Anne Longfield, Chief Executive, 4Children

Whatever you want to discuss, call 03700 100 444 between 1pm and 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now. Standard geographic charges apply.

Presenter: Ruth Alexander
Producer: Diane Richardson.