Daycare Assistance And How To Make It Affordable

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by Denise on December 18, 2010 · 1 comment

in Childcare

Daycare assistance can eat your finances alive if you’re not careful. You’ve heard the horror stories of the mother who went back to work after her child was born, only to find that the cost of daycare was eating away the majority of her paycheck. It’s a sad fact of life that most daycare facilities charge so much for watching the children that there isn’t enough money left at the end of the month to do much else – sometimes it seems you are simply working to let someone else watch your kids!

But there are ways to make daycare affordable. These tips will help you find a way to juggle work, kids, and finances without breaking the bank.

Talk to DHS. The Department of Human Services has programs in place for mothers who want to go back to work. Single moms can contact DHS concerning their new job and see if they qualify for free or low-cost daycare. Many mothers wind up paying only a fraction of the total bill while the government helps pay the rest.

Choose the Barter Method. If you have a friend who stays home with her children, you might be able to work out something on barter. Perhaps you are great at lawn work and she doesn’t know how to start up the mower? You can exchange yard work for daycare services. If it’s a special occasion and your friend babysits for you, you could offer to cook dinner for her and her kids one day that week. The whole point of barter is exchanging services to save money, and it’s great news for daycare savings.

Take Advantage of Company Daycare. If your company offers daycare of any kind, take advantage of it. You work for the paycheck and benefits, so use them to their fullest extent! On-site daycare is even better, because you can see your children during your lunch and breaks. Look at the cost of it and ask your employer if there are any discounts that could be worked out.

Try Private Babysitters or Family. If you can’t find a daycare that is affordable, talk with your community outreach centers or search for a private babysitter who charges less. Family members might be willing to watch the kids for a fraction of the cost, or even for free – and if they do, it’s a godsend for the single mother. A private babysitter will often take the children into her own home and watch over them in order to make a bit of extra cash…and often they are retired grandparents who have a lot of time on their hands and want some laughter in their house!

Work vs. Finances. Finally, consider if daycare is costing you more than it is helping. Some mothers who work part time have found that daycare eats into their finances so badly that there is nothing left over for food or utilities. There is no point in working so hard only to give all your money to a daycare facility at the end of the day. If the work you do isn’t making enough money to cover the daycare expense, cut your losses now and look for a new job.

About Denise

As a mom to three girls Denise knows the difficulties of being a single parent. Denise has been working to help single moms across the country since 2007. In her free time Denise enjoys camping, riding four wheelers and just spending time with her family.

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{ 1 comment… read it below or add one }

Angie December 19, 2010 at 9:22 am

How about opening up your own daycare center in your home? That way you do not have to pay for your children and then you can take on a few kids to watch and get paid for it. There are meal programs out there if you are a provider that you could look into and see if you qualify. These programs help you pay for the healthy foods you will be feeding the children in your care. You can easily get $100 per child in your care a week. So if you have two kids of your own and you take in four more, you will make $400 a week. Granted at the end of the year you pay taxes, but it is far better than not having a job.

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