(Closed) How do people afford daycare?

posted 7 years ago in Parenting
Post # 47
Member
887 posts
Busy bee
  • Wedding: June 2013

Wow, these prices are insane! Anyone know what the costs tend to be in Canada (Ontario)? I feel so lucky that we probably won’t have to do this… first grandbaby on both sides and the grandmas already can’t wait to be our full time babysitters! This was why, before I got pregnant, we bought a house 2 minutes away from my in-laws (And 10 minutes away from my mom). I will be in school finishing up my PhD, after I get back from the 8 month leave I will take. So I’ll have about 2 or 3 more years of school, but it will just be data analysis and writing so I will be able to do a lot of it from home, and have the grandmas to babysit while I work at home or at school. I am really starting to realize I picked the right time in my life to have a baby!! I don’t know what our situation will be when we want to have our second baby though. I bet we won’t be able to do without daycare the second time around. 

I echo what a lot of people have said though, unless I’m going to be making significantly more than the cost of daycare, I don’t understand how I could feel that it is worthwhile to work. I would MUCH rather just not make any money than leave my child all day to make barely more than enough money to pay someone else to raise my child while I work! That just seems silly. Although, I guess it is more complicated than that – maybe the women who are doing this have jobs where they really need their benefits, or see opportunities for upward mobility in their company if they continue to stick it out during the daycare years.

Post # 48
Member
10713 posts
Sugar Beekeeper
  • Wedding: June 2012

I had to work at a daycare to be able to afford it and even then I was barely making it… I paid $600 a month working there with a huge discount. 

Once my son started school I went looking for a job and after school care was costing more than I was making so now I’m staying at home.

Family and home care centers (home daycare set ups are cheaper) if you can find one or have family who can take over even just a few days a week to lighten the full cost. Most places even daycares have part time prices!

Post # 49
Member
204 posts
Helper bee
  • Wedding: July 2017

I complain all day long about where we live. I hate it! However this post is making me feel a little better at least about one area of our lives! I pay $70/ week for in home daycare with a preschool curriculum (daughter is almost 3) and that is for 25 hrs/week. The other hours she is with dad as he is working on his degree and doesn’t have classes m-f. Full time care is $100/week. There is a 6 child max so she gets lots of personal attention as well as socializaiton with other children! She loves it. But I also am very lucky as my parents were able to watch her m-f up until very recently. So I have only just begun our childcare adventure!

Post # 50
Hostess
11050 posts
Sugar Beekeeper
  • Wedding: June 2011

View original reply
@Bostongrl25: This is my worry too as I’m hoping to start TTC next year or year after

Post # 51
Member
29 posts
Newbee
  • Wedding: August 2013

View original reply
@araneidae:  I don’t know about Ontario, but in Quebec we have a government sponsored $7/day option. (If you can find a spot, you usually have to start looking when you find out you are pregnant, 1 1/2 to 2 years to get a spot.), a second child gets priority on the waiting list, rue most daycares, and parents realize how hard it would be to have to drop and pickup kids at two different daycares.

There are however hidden fees…you get charged $1/minute (or more) if you are running late for pickup. Outing fees, food fees etc.

we do get a tax credit, and a monthly child allowance from the government as well.

I don’t have kids yet, but I know we are really lucky.

We do however pay a lot in taxes, sales taxes etc for what we get…

Post # 52
Member
887 posts
Busy bee
  • Wedding: June 2013

View original reply
@dbeland:  Quebec is definitely way, wayy better than the rest of Canada for daycare. You guys are so lucky! I guess it is a way for the government to make it easy for people to have lots and lots of french Canadian babies? I’m not sure what it’s like in Ontario, I have to look into it. But definitely not that subsidized!

Post # 53
Member
431 posts
Helper bee
  • Wedding: November 2014

I work in a licensed daycare facility and our rate is $4.50an hour for a toddler, and $4.75 for an infant. I can not believe the price some people pay for care, where I work we love every single one of our kids and give them the best care possible (and no one has to pay thousands of dollars a month for care). Come up to Minnesota, our daycare is like a family 🙂

Post # 54
Member
68 posts
Worker bee
  • Wedding: October 2011

Full-time day care for an infant at a center in the Bay Area runs $1600-2000/month. I plan on only working 3 days a week when the baby gets here, and my hubby and I both make good money, so we’ll be able to afford it and it will still be worth it (sort of) for me to work. But last night I just about had a panic attack thinking about what having 2 kids in day care would be like… In reality, with kid #2, we’ll have to move to a cheaper region, and probably consider having my mom move in with us (she currently lives on the East Coast) just to afford 2 kids. Even more so if we ever hope to buy a home and have 2 kids. Sigh…

Post # 55
Member
29 posts
Newbee
  • Wedding: August 2013

View original reply
@araneidae:  I think it was originally a way of increasing the workforce, the provincial government (PQ political party) which likes to scare people with French language laws and all the rest…. Oops just caused amother mass exodus..not enough people working, economy sinks… Better get some incentives for people to go to work…. worst thing is that people on welfare use a lot of the spots, they are officially allowed to have their kids in daycare so that they can be out looking for work, and in some cases that might be so, but there are a lot of people on welfare who use it to get the kids out of the way, which I just find sad. I have nothing against people on welfare, I recently hired someone on welfare for a position in the company I work for, and she is very grateful and works very hard to prove she can do the job ( she had 0 experience, but a very positive attitude). 

It means I get some nice benefits, but we also have to put up with a lot of political “issues” on a day to day basis.

Post # 56
Member
136 posts
Blushing bee
  • Wedding: June 2014

I work as a Child development practitioner in the toronto area, and I work for Montessori preschool. The reason it could be pricey is dependent on where your looking. If it’s a montessori preschool then your not just paying for the child’s care, but also for a head start in your childs education, and development. All of our children from our school who have begun 1st grade are more advanced then the other children and it’s to do with their education before. 

I am not a parent yet myself, but when i am I will make sure to put my child into a preschool to encourage education and prepare them or their educational future. You can also consider part time or go on subsidy.

It’s worth the investment in my opinion 🙂

Post # 57
Member
844 posts
Busy bee
  • Wedding: May 2013

We’re doubling up on FI’s truck payments so it’ll be paid off before we have kids.  Daycare will probably be the same as a doubled truck note.  🙁 

Unfortunately I probably won’t be able to stay home and we will likely only have one baby due to $ and our ages (32&38).  

A lot of my friends have moms and mother in laws that keep their kids for free.  I’m TOTALLY jealous.

Post # 58
Member
540 posts
Busy bee
  • Wedding: July 2012

If Darling Husband hadn’t received a promotion at work, we wouldn’t be able to afford daycare with our student loans.  I’m a teacher, so I will never see any big raises.  Luckily, my kid can go to the school where I work when he/she is 3 for a 50% discount.  It is a private school though, so it will cost as much as full-time childcare easily.  This is why when people say, “Oh, you just make it work,” it totally irritates me.  I can see cutting corners for diapers and formula and such, but daycare is upwards of $1,000 a month (and a lot more in other areas, as I saw from previous posts).  We could have cut out eating out, movies, getting haircuts, cat food (haha, jk), etc., and it would never add up to $1,000.  With both of our parents 5 hours away, we would have no one to watch LO free of charge.  This is why we waited to TTC.

Post # 60
Member
898 posts
Busy bee
  • Wedding: November 2011

View original reply
@Bostongrl25:  I think those types of comments, like “you’ll find a way to make it work” are more directed at people like me, haha.  I’ve been complaining a lot (on here AND to my husband), wondering how we’re going to afford day care for our LO due this summer, when daycare around here is $1500-$2000 a month, and a nanny is even more.  And we also want a new car and a bigger place.

On paper, it looks like Darling Husband and I make pretty good money (all his salary, really.  I’m a teacher).  Even for our super expensive area, it shouldn’t be beyond our means to pay for day care.

But, I’ve started realizing lately, after reading some threads here on WB and other threads on Hellobee, that I may be more of a Spendthrift than I think.

 

For example, I don’t ever avoid toll roads, even if I could, fairly easily to save money.  We were doing some errand-running on Saturday, and ended up paying 4 tolls.  We could have used non-toll roads and spent an extra 30 mintues in the care (total), but we don’t. We always volunteer to pick up friends/family in the City or at airports, and that’s at least a $12.50 toll for us.

-I get my pedicures pretty regularly.  I get massages or go to a chiropracter when my back hurts.

-I have months where I feel like I have no clothes, and I don’t think twice about spending a few hundred buying a few new pieces.  Same with shoes.

-my husband eats out for lunch every single day with his coworkers

-we live in a super expensive neighborhood, in a doorman building with amenities (we *could* live in a cheaper neighborhood or building, we just don’t want to).

-we don’t shop sales or use coupons at the supermarket–and it shows.  Our grocery bill each month is pretty ridiculous for 2 people.  If a box of mandarine oranges ar $10, I’ll still buy them without thinking twice.  Same for my hair products, face products, etc. We hosted a super bowl party of just 2 other couples yesterday and managed to spend $156 dollars on supplies/food/drinks for the party.

-we still manage to save (right now, pre-LO) at least 1/3 of our salaries each month.

-we go on mini trips a lot.  We visited his parents for Thanksgiving (those flights were crazy expensive), my family for Christmas (we paid to rent a condo with my family for a week), we went skiing in January (well, Darling Husband skiied, and I got spa treatments) and we’re going gambling this weekend.  My mom is coming next weekend, and we’ll be seeing some Broadway shows and eating out at a couple nice places.  We’re going on a babymoon to the Carribean in April.  Those things all together are probably somewhere near $8000-$10,000 spent just from November to April of this year.

 

SO, technically, we’ll be able to “make it work” with some lifestyle adjustments, it just seems scary to two people who don’t have to worry about money for those things NOW, but will have to in the future.

I’m guessing the LO will be worth it though.  =)

 

EDITED to say:  This post seems braggy, but I don’t mean it that way!  Just that I’ve gotten a wakeup call lately about how I’ll need to change in order to afford day care.  Boo.

Post # 61
Member
887 posts
Busy bee
  • Wedding: June 2013

View original reply
@dbeland:  interesting, I didn’t know much of the backstory I just made an assumption that it was about motivating Quebecers to have more kids. But your explanation makes sense too! 

The topic ‘How do people afford daycare?’ is closed to new replies.

Find Amazing Vendors