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Daycare costs is eating a hole in my wallet

Posted by Anonymous   + Show Post

SO and I both work full time 40 hrs(1st shift 7-3) and week and that's the amount of time our LO is in daycare. He's 3 months old. No family members can watch him. Only ones that could would've been our mothers but both are in heaven. My step mom works part time but dedicates her time to her Jehovah's witness studies and baby sits her 2 year old grandson. My dad works 1st shift. SO sometimes works 2nd shift but can't drop off our son because he has a 2 door truck that he may soon be loosing,(he's had the truck for many years and couldn't trade it in because his ex refuses to sign off on it) it'll be repo'd by the end of the month or beginning of Feb. We don't know what date since our phones have been shut off. my other son is 8 yrs old and is already getting child care assistance and so my co pay is only $34 a week since he's school age and the daycare bus takes him back and forth to and from school. Our baby is still on the waiting list and we have to pay privately. He's fee $150 a week. My work schedule is steady unlike SO's. He'll have off random days, but always on a sunday since his work is always closed those days and he'll have off one day during the week. I hope the daycare would understand, though I have my baby assigned full time but until he gets on the assistance I'd rather have him in less than 5 days a week when his dad has off a day in the week if possible without it being a problem. I only have weekends off. It's hard because people assume you'll have lots of money saved up during unpaid maternity leave and when you return to work depending on what day it lands on the week of payday, it'll be less of a paycheck the first week until the next. We both get paid bi weekly. I'll be earning less since I now have both kids on my medical insurance and it's $60 taken out of my net total. SO has crappy insurance, you have to pay out of your pocket til a certain amount and then be eligible for paying co pays. Don't ask, it sucks. Altogether with both kids it's costing me $184 a week. It's like paying for a second apartment, our rent is $750 a month. SO has been trying for months on end to look for a better paying job. I don't know for sure how much less we'll be paying once our baby gets the funds available for assistance, I didn't start my older child in daycare til he was 3 yrs old but that was before the recession.    

Posted by Anonymous on Jan. 24, 2013 at 5:52 AM
Replies (21-30):
Anonymous
by Anonymous 1 - Original Poster on Jan. 24, 2013 at 5:40 PM

 

Quoting Anonymous:

I understand times are hard.....but why did you have another baby when you could not afford to send the first to daycare without help? Have you done the math to see if maybe it would be cheaper if one of you stopped working all together? I mean you are spending 700 a month on daycare so you can go to work. Are there things you could cut that would help make up the rest of one of your paychecks?

Neither one of us could afford to stay home. We planned this baby. That question should be asked to mothers who keep popping out children on purpose with no daddies, however I have mine and is here to stay. There's really nothing we can cut out, we need our phones and internet for emergencies and to connect with the outside world for job searches and our bills are e-mailed, also in case our phones get shut off. We have lived without cable for years.

Anonymous
by Anonymous 1 - Original Poster on Jan. 24, 2013 at 5:42 PM

 

Quoting Mrs.Fus29:

How long does the wait list take?  I live in Texas and I believe it takes about 6 wks.

 Wow that's fast. For my first son he got funds within 3 months or so. It may be longer with my infant since there's more of them in daycare than school age children at least in my area.

Anonymous
by Anonymous 1 - Original Poster on Jan. 24, 2013 at 5:43 PM

 

Quoting Anonymous:

Mine too! I pay $1,040 a month! :(

 WOW

Anonymous
by Anonymous 1 - Original Poster on Jan. 24, 2013 at 5:47 PM

 

Quoting Anonymous:

That sounds actually pretty cheap, not sure what state you live in though lol.  I run a daycare and charge $150 a week per child or $275 for two children. 

On another note is your step mom a baptised JW?  I only ask because I grew up in that religion.  Very controling and cult like.  I ran and ran fast when I turned 18.  

 I believe she is. She dedicates her studies at specific times of the day and sometimes has people over(this was when I used to live with her and my dad) It's growing stronger, they both travel out of the city sometimes for their gatherings...sessions...whatever you call it,lol.

illinoismommy83
by on Jan. 24, 2013 at 5:47 PM

Have your SO find a 2nd or 3rd shift job. If you work opposite shifts then you don't need daycare. Alternatively, since you are already paying for childcare for the day, line up a second job right after your first job and work a few more hours each day.

Anonymous
by Anonymous 9 on Jan. 24, 2013 at 5:49 PM
Wow...that's my household income for the year lol


Quoting owl0210:

I pay $13k a year it sucks lol.

illinoismommy83
by on Jan. 24, 2013 at 5:49 PM

Have you looked on Craigslist for a stay at home mom to watch your kid? She won't take CCRS once you are approved, but until that time she will watch your kids for less money.

Anonymous
by Anonymous 10 on Jan. 24, 2013 at 5:51 PM
150 a week is super cheap imo. I pay double that. I would be thrilled with 150 lol
Anonymous
by Anonymous 11 on Jan. 24, 2013 at 5:52 PM

That's why I have a sugar daddy and I'm on welfare.

firespurity
by Ruby Member on Jan. 24, 2013 at 5:54 PM
Can you get off a little early to get the oldest and avoid daycare for him?
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