How do people afford childcare?

Shanessa - posted on 01/01/2010 ( 72 moms have responded )

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I have two children that I need a childminder for, although I cant afford much, how do people do this, I cannot claim any benefits or tax credits

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Lisa - posted on 01/02/2010

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Quoting Brandy:

I feel the same way,it doesnt set well with me that if you have children and go to work you are basicaly working to pay someone else to raise your babies.Thats why I started to work from home with an honest company! I think its totaly rediculous how much it costs for a daycare,it's crazy



Brandy, Do you realize how much it cost to even run a childcare center. I own one andjust barely make my bills and pay my help. I love the kids and wish I could do it for free. Please don't put down childcare centers some of us are in it for all the right reasons and that is to love your children and make sure they are safe.

Lisa - posted on 01/02/2010

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have you applied for abc vouchers I own a daycare and have families using this you may not get the total amount but anything will help you can use this also in home care state will pay for this service also

Brandy - posted on 01/02/2010

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I feel the same way,it doesnt set well with me that if you have children and go to work you are basicaly working to pay someone else to raise your babies.Thats why I started to work from home with an honest company! I think its totaly rediculous how much it costs for a daycare,it's crazy

Elizabeth - posted on 01/02/2010

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I do not myself have any friends or family members to help out. I moved to this area with my ex and now I'm on my own so no friends or family members to speak of to help me. I'm working on it though.

Theresa - posted on 01/02/2010

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i know how u feel, if i didnt have my sister to look after my daughter, she is a full time mum, i wouldnt be able to afford to go back to work, have u not a family member that could help u out or a friend so u could help each other out with childcare looking after each others kids?

Elizabeth - posted on 01/02/2010

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I'm a single mom and yes you do have a good situation. I'm surprised you pay your mother though to watch them, but since she watches other kids I can see the logic. My son's grandparents I've never paid them any money. Well maybe a while ago I gave them some food as payment cause they were out, but they never ask for any money or anything.

Jessica - posted on 01/02/2010

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I guess I am lucky, My husband and I work full time jobs and lucky enough to have the weekends off. My mother, who runs a day care out of her house watches my son for $50.00 a week. She also works with the parents of the kids she watches, charging them little amount.

Elizabeth - posted on 01/02/2010

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Babysitters I've talked with around here are hesitant to do this program around here where they base it on your income. I tried to do this once and unless you have them at a daycare center, you really can't do it. The thing with it is that I think it takes longer for them to get paid and they get less money so they really don't want to do it. I guess I could always ask her, but I'm sure she'd say no. When I was going to do it my babysitter didn't really want to, but said she would so that it would save me money and it was really going to help especially during the summer. I was going to continue to pay her until it began, which takes around a month or so and then the fees would change. If I had him at the ymca or something and I was going to keep him there I'd definitely do it.



Also, having them at a babysitter is kind of bad also because you don't get to claim the tax credits for it and still be able to efile cause they think that if you claim then they have it, though it isn't true. I prefer babysitters usually though even though don't get any tax credits cause they are usually cheaper to go with. I had him at the ymca for a little while last year, roughly around 3-4 months and it was a good setup and he enjoyed being there and all. It's just that they closed during spring break and had to get a babysitter cause didn't want to start him at this other daycare place that is kind of expensive. Also, my job kind of ended after spring break cause it was only through tax season and didn't get another job until like May and it was only during school hours so I had my inlaws and ex take him until school started up again so that I had to have a babysitter. The Ymca has nothing for before school and this is mainly what I need so my babysitter works out well. I may consider asking her if they start having me stay more days at work or something changes if she is willing to do the childcare connections I believe its called, but right now it isn't very expensive. It's affordable. I make it affordable because I'm only out about $50 a week at most and if its ever more I send him with his dad or grandparents to make it cheaper for me.

Vicki - posted on 01/02/2010

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I am a childminder and most of the families that come to me get either child tax credits or vouchers (ie busy bees) does your work operate a voucher scheme or have you spoken to the job centre? Also if your children are above a certain age they are entitled to some part time childcare for free.

Latasha - posted on 01/02/2010

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I don't sell anything. All I did is switch where I was buying my everyday personal and household items like laundry soap, cleaners, skin care and makeup, medicine cabinet type things, bath and body, and the list goes on. I get to purchase these products at wholesale prices, so they beat Wal-Mart prices, they are eco friendly, and I get to help others save money and add to their families income if that is a need. We aren't like the Mary Kay, Tupperware, Avon, Pampered Chef, Party Lite types of businesses.

We are more like a Costco or Sams club with better safer products that cost less and we get paid to help people shop with them.

With just a little work once, you will be paid enough to get your products paid and more when you continue sharing. I can show you how.



Laasha

www.ecofriendlymomtm.com/gogreenway

Carey - posted on 01/01/2010

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well u just have to make some sacrifices, do what u can, it all work out, believe that

Shirley - posted on 01/01/2010

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they have gov. programs that will help with the cost check with your local DHS center

Elizabeth - posted on 01/01/2010

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Oh yeah I agree that they are the best. My son loves going to his babysitter. He would go everyday allday if I let him. I actually found her using sittercity.com and then checked references and she agreed to a background check and all so both my son and I are very happy with her.I agree that it is a good idea to know who is in the house with your child. I kind of had a bad previous experience so I'm happy that I have a situation that works for me.

Rachel - posted on 01/01/2010

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We called around and checked facilities out online quite a bit. Childcare in a facility was around $800 per month, which I find to be excessive considering that the children do not get a lot of personal attention, there is turnover in caregivers, you don't always know who is caring for your child and they may or may not follow your orders on food consumption and nap times.

I like the in-home provider option the best. It is the most affordable, ranging from $20 - $35 per day. Because of our work schedule, we only needed part-time care around 20-30 hours per week (depending on my husband's fluctuating schedule). So, we found someone who charged a flat $75 per week for anything up to 32 hours and $115 for anything over 32 hours. This worked out well for us because even if he was there for just a few hours in a day, but all 5 days of the week, we wouldn't be charged by the day.

I interviewed quite a few in-home care providers before finally settling on one. And even then I had to switch after the first few months (to the one above with the great pricing schedule).

It is important to me to meet each person living in the home because those are people who will be around my child. I always ask open ended questions that have a specific purpose, but aren't worded in such a way to let them know the answer I am looking for. This way I can get their honest opinion and decide if their parenting philosophy will be a good match for mine and so I can get an idea of whether they will respect my rules. For example, my son was to be given no sugar and no milk products. While my babysitter didn't agree with me on the milk, she still respected my wishes. And she started serving healthier snacks like peanut butter crackers, celery/carrot sticks and granola bars (though they still have some sugar in them) instead of cookies and fruit rollups.

Our in-home childcare provider really cared about the kids she watched. And all the children were good kids too. They were gentle and sweet with my son, having competitions to see who could make him laugh the hardest. :) Because of this loving and nurturing environment, my son is very sociable, shares easily with others and doesn't have the normal first child challenges that a lot of first children have. Our son was genuinely attached to our childcare provider, her husband and both of her older teenage kids. Once we found the right person, it was a wonderful arrangement.

Elizabeth - posted on 01/01/2010

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I have a babysitter that my son lives that lives a block from his school that he goes to before school every day. It cost $25 a week when its just before school. When he goes after school though rare its like $15, but full days are $25. I work part time so I really can't afford childcare when he's not in school, but fortunately he is most of the time so it isn't a bad situation.

Jessi - posted on 01/01/2010

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Look for an in-home provider. In my neck of the woods, they are a lot cheaper than big daycares. You can also look into Mommy's Day Out if you only need a few hours a day.

Kimberly - posted on 01/01/2010

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Depending on where you live, there is an agency called CCIS. Child care information services. They base your payments on your income. Even if you make a lot of money, you still might be able to qualify for some kind of help, plus you have to use a provider that accepts the subsidy, and there arent many that don't. When I had it, I was single with three kids And I only paid 25$ per week. The payments fluctuate with income and hours of care needed. I was also very lucky that the daycare I used was run by a lady I had known for years, but also took kids at night when I worked 3rd shift.

Stacey - posted on 01/01/2010

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Do you know any moms in the area that would trade off daycare or share it with you? Sometimes churches know people that do not charge a lot. Have you tried calling a state agnecy in your area? They may be able to help out.

Jennifer - posted on 01/01/2010

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I was looking for childcare in one of the most expensive places for it in the country, MN. As a single working mom, at the time living in a place with no real social support, I had to find affordable care. It was all about calling quite a few centers, family group care, as well as networking at my church to see who had home care situations. Finally, I found one family based situation. Wasn't too happy. So, again I search and finally found a wonderful center, paying about $500 a month. They also had scholarships. But I did volunteer and help them out whenever I could.

Sharonda - posted on 01/01/2010

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I resigned from my full-time job, and work part-time as a tax specialist for H&R Block during tax season only the weekends and evenings during the week. My husband work during the day while I stay home with our infant son.

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