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The Cost of Childcare

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  • The Cost of Childcare

    After my son was born and his father left for good, I managed to keep my childcare costs down by persuading my unemployed brother to move from Seattle to Chicago to live with me as my manny. He went back to work part-time in October 2015, so I enrolled my son in part-time childcare.

    Now my brother and I are preparing to part ways by the end of July, so I'm looking into the cost of full-time care for my son. These are the rates that have been quoted to me for full-time care for a three-year-old (locations all close to where I work). They are weekly rate / annual rate:

    Des Plaines Child Development Center -- $266 / $13,832
    Dreamers Child Care Center -- $285 / $14,820
    KinderCare Mt. Prospect -- $289 / $15,028
    Messiah Lutheran Child Care Center -- $255.75 / $13,299
    Home Day Care in Mt. Prospect -- $250 / $13,000

    This isn't even the entirety of my childcare expenses. I'll have a disabled 10-year-old who requires after-school care, which will cost about $250/month if I'm lucky. I make just enough money to not qualify for state childcare assistance (and besides, the welfare system in Illinois is a mess and I'd rather stay off it).

    In contrast, the average cost for a year of tuition at a 4-year public university in Illinois is $12,770.

    So, why exactly is it that I could take out a low-interest government-subsidized loan to pay for an adult child's college, but I can't get any kind of assistance in paying for preschool tuition?

    I'm not calling for any particular change in government policy. I actually think government-subsidized loans for preschool would drive up the cost of preschool as they have with college tuition. Hillary Clinton has said she is going to cap childcare costs at 10% of a family's income, but hasn't said how we're going to pay for it, and I am reluctant to call for further government intervention and regulation.

    I just find it all very frustrating.
    "It seems to me that these women were the head (κεφάλαιον) of the church which was at Philippi." ~ John Chrysostom, Homilies on Philippians 13

    Weighted Glory | Christians for Biblical Equality | Worlds Without End: A Mormon Studies Roundtable

  • #2
    You have a good brother.

    Yes. I don't have children, but I hear and see enough on this very frustrating topic.

    Here in my church we don't provide that kind of childcare, but kids do stay with the staff on an ongoing basis. Our pastor encourage the parents to bring their kids to work, and I suppose it can be considered on the job training as well...
    Watch your links! http://www.theologyweb.com/campus/fa...corumetiquette

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    • #3
      Write to your state representatives. Their staff may have some ideas.
      That's what
      - She

      Without a clear-cut definition of sin, morality becomes a mere argument over the best way to train animals
      - Manya the Holy Szin (The Quintara Marathon)

      I may not be as old as dirt, but me and dirt are starting to have an awful lot in common
      - Stephen R. Donaldson

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      • #4
        Originally posted by DesertBerean View Post
        You have a good brother.
        Eh, yes and no. It was good of him to come out and help me for the 1+ year that he did. However, when he went back to part-time work, it was under the agreement that he would pay a small share of the rent to make up for not providing full-time child care anymore. Since then his rent payment history has been spotty and problematic; I have to nag him to get a dime out of him. He works nearly full-time now, leaving me to pay for almost full-time care, but I am also stuck paying for his living expenses: $400-$500/month for an extra bedroom in our apartment, $50/month for his car insurance, $30/month for the covered parking space he wants, the food he eats, etc. He's on the lease (which doesn't end until July 31st), so I can't do anything about it until then. But I will actually be better off financially living in a smaller apartment closer to where I work and paying full-time care than the situation I am in with him now.

        I truly wish I had a job I could have my kids at. I have a friend who works for the Salvation Army and on Teacher Plan Days, she just brings her daughter to work with her. Must be nice. Thankfully, my daughter is almost at an age where I won't mind leaving her home alone on school days off, especially if I wind up with an apartment right next to work and can be home for lunches like I'm hoping.

        There is a daycare with low rates available to state workers at the Thompson Center in Chicago, but that would mean getting a job there and commuting downtown. No thank you.
        "It seems to me that these women were the head (κεφάλαιον) of the church which was at Philippi." ~ John Chrysostom, Homilies on Philippians 13

        Weighted Glory | Christians for Biblical Equality | Worlds Without End: A Mormon Studies Roundtable

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        • #5
          Hm, ok. Sorry to hear it wasn't really working out.

          One of the biggest issues at work was on-site childcare. A majority of the workforce was actually sited about 6 miles from the daycare facility but because of the industrial nature of that part of our installation, and the massive railhead to boot, nobody really could work out anything that worked for both parents and kids.

          Here in California childcare.providers must know CPR and I believe some basic first aid? I'll have to ask. That makes it even harder to find qualified care providers.
          Watch your links! http://www.theologyweb.com/campus/fa...corumetiquette

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          • #6
            Originally posted by MsJack View Post

            I just find it all very frustrating.
            Yes I bet it is, I was lucky I had a lot of family to help when I was a single dad. I work for a small Christian owned company, the boss lets you bring the kids there. They hang out in the lunch room with TV and games, or in the mom's office. And the parents and the rest of us check in on them. I have seen a few kids grow up. I wish every company could make provision for on site child care - kids need to be near their parents.
            Atheism is the cult of death, the death of hope. The universe is doomed, you are doomed, the only thing that remains is to await your execution...

            https://www.youtube.com/watch?v=Jbnueb2OI4o&t=3s

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            • #7
              Man the NZ system is way different to the US system.

              Here the IRD would automatically deduct your ex's child support (and pursue the costs from him if he doesn't pay) and Work and Income would help you with the costs.....kids over 3 and under 5 also get 30 hours a week free Early Childhood Education.
              Be watchful, stand firm in the faith, act like men, be strong.
              1 Corinthians 16:13

              "...he [Doherty] is no historian and he is not even conversant with the historical discussions of the very matters he wants to pontificate on."
              -Ben Witherington III

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              • #8
                I think here that's a state to state thing. And, as MsJack alluded to, it can be a huge pain. I get the impression that things has got tougher for deadbeat parents (mostly men) to make them pony up, but it's still a mess.

                I know a young dad whose ex had tried to get more custody of their child, based on his working too much to have time with the child. I had the impression the environment at her house wasn't too great...the child was really stressed out and slept a lot whenever I saw the child after time at the mother's. The court said no, because if they're gonna share custody the parents get equal hours. it meant unfortunately the dad couldn't get a better job. That's all in the past now apparently.
                Watch your links! http://www.theologyweb.com/campus/fa...corumetiquette

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                • #9
                  Originally posted by DesertBerean View Post
                  I think here that's a state to state thing. And, as MsJack alluded to, it can be a huge pain. I get the impression that things has got tougher for deadbeat parents (mostly men) to make them pony up, but it's still a mess.

                  I know a young dad whose ex had tried to get more custody of their child, based on his working too much to have time with the child. I had the impression the environment at her house wasn't too great...the child was really stressed out and slept a lot whenever I saw the child after time at the mother's. The court said no, because if they're gonna share custody the parents get equal hours. it meant unfortunately the dad couldn't get a better job. That's all in the past now apparently.
                  Our government has put in new laws where if you're owing money to the IRD for things like child support or have outstanding fines etc. they will cancel your passport to prevent you from travelling overseas (something a lot of people do in a small country like ours) and if you're getting any benefit payments from the government, they will be stopped until you get it sorted out. There are chaps living overseas who've gone in to renew their passports only to find they can't because they've skipped out on paying child support.
                  Be watchful, stand firm in the faith, act like men, be strong.
                  1 Corinthians 16:13

                  "...he [Doherty] is no historian and he is not even conversant with the historical discussions of the very matters he wants to pontificate on."
                  -Ben Witherington III

                  Comment


                  • #10
                    My XH does pay child support. He pays $725/month in CS + $75 in insurance premiums. He is also on the hook for 50% of out-of-pocket medical expenses.

                    But the market rate for a 2-bedroom apartment in this area is $1,200 per month. You can find them for $900-$949 per month if you're shrewd. That puts rent + child care alone at $2333.33 - $2533.33 (assuming I choose the cheapest child care options; I'd actually prefer to put my son in the Lutheran school). After taxes, flex spend, union dues, and insurance premiums, my net paycheck is only $2262; add in the XH's CS and I only have $3062 per month to work with. Right now, my budget has $1,037 in additional expenses in it NOT counting debt payments. I will probably shave $265 off of those extra expenses by moving closer to work (driving less), getting an apartment that includes gas and utilities in rent, canceling cable, dumping Comcast for a cheaper phone + Internet package (my two-year contract with them ends in July) and not having to pay my brother's auto insurance premium anymore. That would still leave me over-budget by about $100 and with no room to pay off debts, add to savings, or put money away in a deferred comp for myself or ESAs for the kids.

                    It's not the end of the world; I have options. The YMCA and the Park Districts usually offer scholarships for students in their after-school care programs, so I might be able to get my daughter's after-school care cut by 25%, 50%, or 75% (not gonna lie, the fact that I'm a single mom and she's disabled and we also have a preschooler usually brings in some sympathy). I just finished my MA and I'm about to finish an HR certificate, so I have a lot more free time to pursue freelance writing and editing and can probably bring in some more cash that way (especially if I'm living close to work and spending less time commuting). I'm qualified for a number of promotions with the state that pay $300-$1000 a month more, minimum, and it's only a matter of time before I get one. I'll also be surprised if I don't get an offer of being transferred to Springfield in the next year, where all of the target HR jobs are and where the rent on a two-bedroom apartment is only $600-$700 per month.

                    But, for the time being, I have to plan on how to make it in this area, with the job I currently have, and the biggest barrier to me making ends meet is the obscene cost of childcare. The day my son is in Kindergarten, at which point my only childcare cost will be half-day care for him, will be a joyous one for me.
                    "It seems to me that these women were the head (κεφάλαιον) of the church which was at Philippi." ~ John Chrysostom, Homilies on Philippians 13

                    Weighted Glory | Christians for Biblical Equality | Worlds Without End: A Mormon Studies Roundtable

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                    • #11
                      Ouch.
                      Watch your links! http://www.theologyweb.com/campus/fa...corumetiquette

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                      • #12
                        Those numbers look pretty close to what we paid when my daughter started childcare. We figured out that with two kids it still made sense for my wife to work, but with three it would break even for her to work and pay for childcare. That was with her ~$45k/yr job.

                        I know my parents have frequently run into the "we make too much to get assistance but not enough to pay for life" position. It's a tough one.
                        I'm not here anymore.

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                        • #13
                          I thought I'd post an update: I found a private Christian school in the area that charges a very affordable $760/month for 2yo/3yo care. They said that they try to keep their rates low as an outreach to the poorer families in the community. I also found after-school care for my daughter for only $165/month. She's in 5th grade this year and this should be her last year of needing after-school care.

                          I found two other Christian schools in the area where expenses would have come to about $900/month for all-day 2yo/3yo care. So, I guess that is what I would tell any households that are struggling to afford childcare and don't qualify for government assistance: check with the private religious schools. I've noticed they often don't show up on Google/Yelp searches for "childcare" or "day care."

                          I wasn't able to find an apartment right next door to work like I was hoping, but I did find one 7 miles away (versus the 14 miles away that I currently live). It's $1045/month (with pet rent) and right around the corner from my daughter's new school. I move this Saturday.

                          If I stay in the area, this should be the last year where childcare is difficult. Next year, my son's monthly costs will drop into the $600s, and my daughter's will go away altogether. I'm hoping I've gotten a promotion and can move out of the area by then though.
                          "It seems to me that these women were the head (κεφάλαιον) of the church which was at Philippi." ~ John Chrysostom, Homilies on Philippians 13

                          Weighted Glory | Christians for Biblical Equality | Worlds Without End: A Mormon Studies Roundtable

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                          • #14
                            Outstanding.
                            Watch your links! http://www.theologyweb.com/campus/fa...corumetiquette

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                            • #15
                              One more update to this:

                              The day that I wrote my last update, I went to pick up my son from childcare and . . . they kicked him out! Said that he was special needs and they couldn't handle him (and since they are a private religious daycare, they don't have to abide by Title III of the ADA). No one had ever suggested to me that my son was special needs before. I knew he was behind on speech and rather hyper, but I didn't think it was that bad.

                              Long story short, my son was eventually diagnosed with high-functioning autism. Now he doesn't go to daycare at all. He goes to public special needs preschool in the mornings and ABA therapy for the rest of the day. It costs $20/day in medical copays---$400 a month. Very affordable (but I have good insurance).

                              I wrote a post about this here (http://www.weighted-glory.com/2016/1...-happen-to-us/).
                              "It seems to me that these women were the head (κεφάλαιον) of the church which was at Philippi." ~ John Chrysostom, Homilies on Philippians 13

                              Weighted Glory | Christians for Biblical Equality | Worlds Without End: A Mormon Studies Roundtable

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