Daycare.......OMG

Ok, I'm currently freaking out about daycare expenses.  Holy crap I may have to return Jr. because I dont think we can afford daycare.  I can't believe how expensive it is!  I mean I knew it wasn't cheap but DH and I both have good jobs (for our area) and we certainly dont live above our means.  We have the usual debt (car pmts, mortgage, 1 credit card) but we dont have student loans or multiple credit cards and store cards.  We live pretty modestly and I dont know what we're going to do.  I actually realized today, I may have to sell my horse because he is currently boarded and that is money we could use towards daycare.  I'm currently in total panic mode.

Posted on December 21, 2012 at 4:13 am
AuntTate
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(21) Comments

milkgal
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Have you checked various locations? The daycare we want to use is cheaper than I expected to spend at $780/month.

Posted on December 21, 2012 at 5:36 am
haleighb
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how about in-home day care?  we looked at a facility and it was going to be over $1000 a month, but a friend referred me to a woman who does it out of her house for $25 a day!  that's half the cost of the facility!  and when they're infants they need care, once they're older they'll need a lot more teaching and by that time, the facility prices drop for the age group!

Posted on December 21, 2012 at 6:07 am
jackieg
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About 1400/month here...which is why I'm not going back to work
Posted on December 21, 2012 at 6:07 am
prinncessjennifer
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prinncessjennifer

Can you work from home at all?  if either if you can work from home 2 days a week it drops the price on daycare.  My son is part-time, 3 days a week (8:15 am till 5:30 pm) and it's $120 a week.  Once he is a year old (next month!) full-time is $170 a week.  My mom and MIL watch him the other 2 days. 


Between daycare and health insurance I am lucky I even take home a paycheck!  But since my DH work doesn't offer any health insurance I carry the entire family...

Posted on December 21, 2012 at 6:17 am
futuremrsgamboa
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Ugh I know what you mean.. We're not gonna be able to afford a daycare center either so we're going to either pay my mom to watch the baby or look into a home daycare like haleighb mentioned above. Those are wayy cheaper than the daycare centers.

Posted on December 21, 2012 at 6:18 am
AuntTate
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Holy cow, $1400/month Jackie?!  That's more than DH and I pay for our mortgage and 2 car payments!

Posted on December 21, 2012 at 6:43 am
dorkmeetsnerd
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Where I live it's about $1100-1400/month for a full time extended daycare (8am-6pm) for newborns and up.  And it's more, like $1600/month for the Montessori daycares (which have two year wait lists) for 2 year olds and up.  It does get cheaper if you can do half day daycares.  But year, the rates are absolutely crazy, I mean that's college tuition.  That is why we are relying on our MIL to help us out for a bit. 

Posted on December 21, 2012 at 8:11 am
_MNM
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_MNM

Comment has been removed by Project Wedding due to a violation of our Terms of Use
Posted on December 21, 2012 at 8:44 am
dorkmeetsnerd
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MNM, like housing prices, daycare rates are also regionals.  You should hear what some Manhattanites are paying (~1800/month).  I would might as well hire a nanny at that rate.  But yes, it will be a new large expense on the household.  I have asked every mommy friend out there and daycare was their largest expense on raising baby...so far. 

Posted on December 21, 2012 at 9:14 am
milkgal
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It's crazy to see how daycare prices vary over the country.


We're located in north/central CA, my SIL lives two hours south of us pays $1150/month. I think it was $1250/month when he was under 1.


In home care does seem to be quite a bit cheaper. My co-worker used someone who was $4/hr, however she was a family friend.


I really hope my dad will be willing to watch our little one one day a week which would cut down to $624/month.

Posted on December 21, 2012 at 11:01 am
kristinkay
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Wait until you see preschool costs. One preschool we were looking at was close to $800 a month for three MORNINGS a week. Most of them are around $400 for 9-11:30 two days a week which I still think is INSANE. I cannot imagine spending that much money while being a stay at home mom but I guess thats just what things cost.... I also chose to stay home mostly because we really wanted our daughter to be with one of us and not at daycare but also because it felt so silly to send her off all day just so I could work basically to continue sending her there ya know?

Posted on December 21, 2012 at 4:44 pm
AuntTate
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Oh I agree kristinkay.........I wish I could afford to stay home because I am going to basically have to work to pay for daycare and for insurance, which totally sucks.

Posted on December 24, 2012 at 12:31 am
dorkmeetsnerd
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Oh I know all about the preschool costs in my area...sheesh!  Which is why I'm practically begging my in laws and parents to help with the LO while he's very young (NB-3) as we save up for pre-K and up. 

Posted on December 24, 2012 at 3:17 am
milkgal
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milkgal

that surprising that your preschool cost more than daycare. Here it's about $175 less a month for preschool.

Posted on December 24, 2012 at 4:37 am
jackieg
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jackieg

Yes KK...we agree its more important for me to stay with her....at least thru the few years...and it makes zero sense to me to spend all the money I would make at work to keep her in daycare...why would I do that?!
Posted on December 24, 2012 at 12:42 pm
kristinkay
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I have no idea what daycare costs are here so it might be less expensive but I was just shocked at how expensive it is when it's not full time at all. I would imagine the far majority of the kids in preschools that only go two or three days a week and are only there until noonish go home to a stay at home parent so the fact that people are paying $800 a month when they are home blows my mind. But most of the places we looked at were only preschool and not daycare at all- so I would bet all the teachers are trained in whatever method and so forth- that might make a difference. The school where we do our parent child class is $685 for three mornings a week. Which I still feel is so much! I would love to send her there because it's an amazing school but I just can't imagine close to 7K a year for preschool!!!!
Posted on December 24, 2012 at 4:54 pm
yvee80
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Yes it does depend on where you live, with my first who didnt start daycare until she was 15 months my mom watched her before that it was around $150 a week for  her and she is going to be 14 (so i cant imagine the cost now but we were still living in NY at that time). Be sure to do your research and like one of the other women stated look into home daycare centers as well.

Posted on January 24, 2013 at 9:06 pm
yvee80
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Yes it does depend on where you live, with my first who didnt start daycare until she was 15 months my mom watched her before that it was around $150 a week for  her and she is going to be 14 (so i cant imagine the cost now but we were still living in NY at that time). Be sure to do your research and like one of the other women stated look into home daycare centers as well.

Posted on January 24, 2013 at 9:06 pm
YoungBride21
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omg those prices are crazy!! I thought paying 100-150 a week (for 3 days) was a lot. But I am lucky that my full time job is only three days a week- and thats if I don't pick up weekends. Other wise its only two days.


We haven't found someone or a place yet. Im dreading it. I don't want to leave him already!!


It will all work out! Life changes so much in ways I don't think we thought- but its all worth it and thats what you have to remember!

Posted on January 25, 2013 at 5:11 pm
AuntTate
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We actually found someone to take our LO just yesterday and she ironically babysat my brother and I when we were little haha.  So it's kind of weird to have her watching my kid too.  She charges per hour for only when you are there, which is nice.  So many places around where I live charge you per day whether your kid shows up or not so it'll be nice to have that break.  Plus my parents can pick up him/her whenever they want to help save us some money too.  I'm glad we found her but now it's like, ok what do we do when he/she turns 1? haha 

Posted on January 26, 2013 at 4:11 am
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