Posts Tagged ‘Day care’

Daycare

Daycare is not something Mrs.CBB and I are worried about at the moment but for those of you that are parents that might be a different story. You don’t really read up about kids when you don’t have kids, well at least I don’t unless it’s something that is brought to my attention. I tend to thrive on “How To” articles and DIY projects that I need to get done around the house because I enjoy learning about these topics.

This post mostly comes after friends of our divulged how much they were paying out for their 1 year old child to go to a licensed daycare. They also told us how they struggled to find a spot and weren’t sure if they were going to be able to get their child into the daycare as they were put on a waiting list. I asked what other options they had and the first one was to bring their child to family. They chose the daycare for the day-to-day interaction so their child had the opportunity to interact with other children. Luckily for them a spot opened up.

Are parents really in the dark though about who’s looking after their kids?Apparently so, according to CBC Marketplace who conducted a survey of 1000 Canadians 18 years of age or older that had a child under the age of 13. The survey was conducted in order to provide information for their “daycare information in Canada” episode which aired this past Friday.

According to the survey, just 20% of children are finding spots in Canada in a licensed daycare. Non-licensed day cares have one rule and that is they are only allowed 5 children. Does it matter to you if the home is safe? Do you care who comes and goes? Do you care if the house is clean or if they are smoking around the kids in the home? Do you care where your kids sleep? Do you care if your childcare provider has safety training? I’m hoping most parents by now if you are reading this are saying “of course we care“. Even if your child is in an unlicensed facility making sure you have answers to your questions is imperative. I’m sure some parents believe that getting into a licensed daycare won’t be that difficult when it comes time to head back to work. It shouldn’t be and it’s a shame waiting lists are so long.

Childcare researcher Martha Friendly who appears in the episode said it best when she  says “it’s different when you are taking care of other people’s children”. I agree it’s a big responsibility some are willing to take on. Not all non-licensed home-based daycares or daycare centres are illegal (have more than 5 children) but the reality is they are not getting inspected by the government like all other licensed daycares where inspectors come in and go over a list of requirements. According to the show, daycare home inspectors will come into licensed daycares and check over the entire place from top to bottom.

Some requirements in a licensed day care 
  1. Credentials
  2. Schedules
  3. Health and safety of the environment ie: baby gates on all stair access and smoke detectors that work.
  4. First Aid/CPR

All licensed facilities require providers to have a police background check…. 66% of the parents surveyed said no they did not have a police check done or they didn’t knowYou won’t get these inspections in unlicensed daycares and according to the survey most parents did not know if the child care provider had first aid or CPR. 

The one unlicensed day care provider in the program didn’t even know what the proper number was to call for an emergency a number she said, “991″A simple error, maybe but it’s not like she was nervous to be on camera, they were undercover. She didn’t even have any safety training which she didn’t feel necessary because she’s been watching kids for years. Oh and nap time consisted of sleeping in a dungeon like room likely with cob webs, dust and who knows what else (it was hard to tell)  in a so-called area (basement) of the home with no windows or outdoor access. You should be shaking your head in disbelief because clearly this is the kind of care that is going on in some home daycares in Ontario because they “can” get away with it. 

How Much is Daycare in Ontario?

Good question but you can pay as little as $25 a day + for unlicensed or up to $45 per day or more in a licensed day care.I made a few phone calls and simply read online ads in the area. Your best bet is to call around, research the facilities and visit these places. The friend of ours I spoke of above pays $1100 a month in a licensed day care facility for their child which I was in awe about. This is what sparked my question the other day on Facebook for my fans. I wanted to know what parents pay for daycare in their area.

I thought $1100 was outrageous but not any longer after watching this timely episode. Some of the fans on my Facebook page say they paid $30 per day or $150 per week with reference to not getting penalized for school holidays like a licensed daycare centre would. Other moms felt it wasn’t worth it for them to return to work given their tax bracket and other factors so they are stay at home moms many of whom go on to homeschool their children.

According to the show, “over 757 complaints were made reporting unlicensed daycares in the past 3 years for having too many kids”. I bet, it’s a lucrative business when you can stuff 10 kids in a home raking in thousands of dollars a month and in some cases it’s all cash under the table, so no taxes are being paid. Did you ask all the right questions when you were searching for your child care provider? One woman in the episode went as far as to say she was licensed when she was not and had only 8 kids when in fact she had many more. Don’t believe everything you hear, I don’t care how nice they are.

Mrs.CBB has a friend who has her Early Childhood Education (ECE), First aid, CPR and the parents loved her and with good reason, she was good at what she did, she played by the rules. She ran a licensed daycare while she was home caring for her own child. She went on to become a teacher in Ontario and no longer does home daycare. Are parents as worried that their own family members might not have ECE, First Aid or CPR like we require in licensed facilities? A question you can only answer yourself. 

Should You Wait To Have Kids When You Can Afford Them?

Kids cost a lot of money that’s no secret and some individuals simply don’t ever want to have children and that’s OK too. Sure I’ve heard if we wait until we can afford them we will never have them. The answer to this is really up to the individuals as no one can make this decision but them because they know their own situation better than anyone else. I don’t think there is any right or wrong answer.

When I was growing up I don’t really recall any of my friends having their moms go to work. We didn’t live the kind of lifestyle that we do today where we have to have it all, it was a minimalist type of living because it was more important for moms to stay home and give that one on one care to the kids in the early years where it is so important. Times have changed now though where both parents have to head out to work in order to pay the mortgage, rent, bills, school tuition etc but there are many people who do stay home with the kids. Why are some not able to stay home and others can? It all depends on lifestyle, debt, career choice and likely a bunch of other personal factors but that’s up to the parents to decide.

  1. Can I be a stay at home mom/dad for my children?
  2. Am I able to qualify for childcare subsidy in Ontario?
  3. How will I pay for my child to go to a daycare?

People are struggling to pay the bills living pay to pay as costs are rising especially all around us even when it comes to having kids. One mom blew me away with the figures she provided for us for her 3 kids over the long haul. She sounds pretty excited though to see the payments coming down as time passes but I’m sure every penny was worth it for her kids.

We pay $110 a week for 2-3 days for our Senior Kindergarten child to attend daycare, $40-$60/week for before and after school for our 5 yr old and $50/week for before/after school for our 7 yr old. Around $840/month. In Sept, we’ll be down to $400/month for both! So far, we have spent around $80,000.00. Yikes!

Parents clearly need more licensed daycare facilities in Ontario and the provincial government needs to get moving to help create more licensed facilities. Until then parents will continue to scramble trying to figure out who is going to watch their kids and pray they make the right decisions.

Peekaboo, I Can See My Child In This Licensed Child Car Centre

I wanted to do some research on different daycare centres in the Greater Toronto Area and surrounding cities and came across this facility which I found interesting enough to talk about it today.

Peekaboo Child Care with centres in and around the GTA allows you to watch your children via Video Over the Internet (VOI) for a monthly fee of course. Once registered with Peekaboo the parent receives a parent handbook that has many questions answered for the parent as well as policies and procedures. They also get a bi-annual progress report and parent-teacher interviews. It’s nice to read that the facility has many common questions that parents ask already answered so they can simply read to find out what they want to know.

Although we don’t have any children I certainly learned plenty from watching this program and know when the time comes we’ll be doing our daycare homework so we can get the highest of quality care and be the voice for our children.

You can read the full marketplace story here and if you have time watch the episode on the television, it’s worth it.

Should there be a standardized set of rules and requirements for all daycares in Canada?

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This is a Guest Post written by Tanya a fan who wanted to share her story about how she supports her family on one income in hopes to inspire others.

Tanya’s Story:

I live in Prince Edward Island with my two young children. Money wasn’t always streaming in to my bank account, but we were able to get by. The bills were being paid, we had just bought a house and we were comfortable. When I was pregnant with my second child, I ended up being put on sick leave. With my pay gone and my sick benefits nowhere in site yet, things started to get tight. With only my husband’s salary to go on, one child in full-time day care (I was on bed rest) and another child on the way, the bills started to add up. We started using my credit cards to cover the extra expenses, always saying we would pay them off as soon as possible, but the balances started to add up.It didn’t help that my husband refused to even try a budget – if he wanted to eat out, he did; if there was a movie he wanted to rent, he rented it.

By the time I went back to work (I work by contract), all of our bills were late, credit cards were maxed and we had one consolidation loan under our belts. Over the next few years, I tried to cut corners when possible, but with two of us having access to the bank accounts it was hard. I’m not saying it was all on my husband, but I do think I tried harder.This past year, my husband and I separated; as soon as he realized it was over, he opened his own bank account and I was left with all of our bills (minus his car payment), the mortgage and our kids to support. With my job, I sometimes only work 3-6 months a year. Even when I’m not employed, our son (who has special needs) has to be in day care full-time for his benefit. Now, I am back to one income and still have all of our debts without any financial support from my ex.

When my husband and I separated a few months ago, my household dropped to a one pay cheque home. With two young children (one with special needs) to care for, it was important that I quickly learn how to cut corners. Working full-time, I used to be guilty of throwing together a lot of quick meals made from canned goods and bringing home take-out meals. Although canned goods can be inexpensive, most times they run at least $1 apiece, which can quickly add up.

woman cutting vegetables
Saving Money and Time In The Grocery Budget

I had the idea of cooking large meals and freezing them in portion sizes. In the mornings, I will take enough for myself and my children out. By the time supper time arrives, I simply need to pop them into the microwave. This is so easy for me, and a big money saver! This method also helps with lunches while at work. I just pack one freezer meal in my lunch bag, and when noon hits, microwave and enjoy! I have found that by taking hot meals with me, I have cut way back on using the cafeteria where most of my co-workers spend a bit of money. I often wonder how much it costs my co-workers who eat out of the cafeteria all week-long.

Ways That Helps Me Raise My Family On One Income

  • If you have a cell phone contract, you can still lower your package to the absolute minimum. I save $20/month doing this.
  • With your home phone, try using one that has an answering machine; between dropping voice mail and call waiting, I am saving approximately $15/month.
  • If you absolutely can’t do without your satellite/cable, try getting the cheapest pkg – you can get so many programs online now for free
  • Instead of buying my daughter milk at school for 50 cents/day, I recently started sending a container of milk with her
  • My kids like cereal, but I find it can go stale fast – take a trip to your local Dollarama and pick up some plastic containers – keeps the food fresh and the critters out!  I use mine not only for cereal, but for things like noodles, flour and pancake mix
  • I always wash our clothes in cold water and hang them out on the line for as long as possible during the year – saves on hot water and electricity big time!
  • I buy all of my spices at a bulk store…why pay $5 for a little jar when you can get the same amount for 50 cents?
  • I check local thrift stores a couple of times a month; when my desk chair broke, I managed to find one at a Salvation Army store for only $5!  You can also find great deals on clothing and other necessities.
  • To save on haircuts, I purchased a trimmer set for $20 and use it for my son.
  • When possible, I use u-picks for fruits and vegetables – you can save so much over buying prepackaged in stores
  • When grocery shopping, check the pricing labels carefully.  A lot of stores now have the price/unit on the tags to help you compare items.

This helps a lot when you have two similar items that are different sizes/prices let’s you know the better deal! (Ex: buying two small containers of margarine vs one large). I am going to start a budget soon since I am back to work again. I have limited eating out to special occasions, have taken a firm stand with my daughter over “treats” and am looking to downsize from a van to a compact car to save on gas. I have switched my bank account to unlimited transactions; for only $4 more/month in fees, I went from only having 20 free transactions/month ($1/transaction after that)to not having to worry about getting a huge fee.

I’m hoping to start getting back on track financially while supporting my family on one income because my kids deserve a stable environment.

It's Not About How Much Money You Make It's How You Spend It

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Photo Credits: Love Mom and Young Woman