https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Fri, 15 May 2026 01:39:02 +0000 https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622357 Thu, 15 Sep 2016 19:59:40 +0000 farawayyama 2622357@https://boards.hellobee.com/ <p>I spend about 15% but that's because as a teacher I don't send her for summer. If I did it would be over 20% for one child.</p> <p>I'm a teacher in a low income/low teacher pay school, DH is a grad student, so realistically it's due to limited income. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622349 Thu, 15 Sep 2016 19:56:44 +0000 MaisyMay 2622349@https://boards.hellobee.com/ <p>I am in the San Francisco area and we are spending 23% off our pre-tax income on our daycare/preschool for the 2 kids. This makes me really look forward to kindergarten. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622259 Thu, 15 Sep 2016 18:59:53 +0000 Trailmix 2622259@https://boards.hellobee.com/ <p>Pfffffff. Our is around 25% of our pre-tax income :shocked: </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622204 Thu, 15 Sep 2016 18:04:33 +0000 Mrs. Lion 2622204@https://boards.hellobee.com/ <p>With both of us working full time and both kids in full time daycare, daycare is about 27% of our pre-tax income. By far our biggest expense. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622179 Thu, 15 Sep 2016 16:28:06 +0000 matador84 2622179@https://boards.hellobee.com/ <p>We pay 11% pre tax, next year it will drop to 9%. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622168 Thu, 15 Sep 2016 15:57:37 +0000 CakeLady 2622168@https://boards.hellobee.com/ <p>I voted 10% exactly (really 9.6%, but just about - yikes). We have one LO in full time preschool/daycare. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622158 Thu, 15 Sep 2016 15:39:42 +0000 MrsBrewer 2622158@https://boards.hellobee.com/ <p>DH works fulltime, and I work part time. Our childcare for 2 days a week is 8% of gross pay. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622155 Thu, 15 Sep 2016 15:33:08 +0000 Kemma 2622155@https://boards.hellobee.com/ <p>I'm in New Zealand and we currently pay about 8% of our pre-tax income to Childcare costs. DH and I work a total of sixty hours, have a total of 54 hours of daycare (27 hours per child) and eighteen of those hours are paid for by the government. If we didn't have the eighteen hours of free childcare then our percentage would be closer to 16% </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622130 Thu, 15 Sep 2016 14:57:47 +0000 Mrs. Pen 2622130@https://boards.hellobee.com/ <p>More than 10% of my income. But less than 15%</p> <p>With dh's Incone it's 7% but DH is losing his job.</p> <p>Also our son is already 4.5, so rates are cheaper. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622123 Thu, 15 Sep 2016 14:45:08 +0000 NorthStar 2622123@https://boards.hellobee.com/ <p>We pay about 4.7% of our pretax income on daycare costs. We are two full time working parents with one kid in daycare/preschool. I realize that we are VERY lucky with the cost of our care (we live in the midwest - rural area). </p> <p>We will be having a baby in mid-February, but since we went through infertility and our DD will be almost 5 when the baby comes, we will only have a short period of time when 2 are in full time care. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622118 Thu, 15 Sep 2016 14:36:18 +0000 yoursilverlining 2622118@https://boards.hellobee.com/ <p>@looch: ditto. I'm exactly where you're at. We need changes, but I don't know how/what they need to be. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622111 Thu, 15 Sep 2016 14:28:07 +0000 Truth Bombs 2622111@https://boards.hellobee.com/ <p>@codeitall: I had originally thought about doing a nanny once we had a second but the problem is, by the time number 2 comes along, number 1 is at the point where they are really benefitting from being around their peers and having a real learning curriculum, and a nanny wouldn't meet those needs, so you have to add preschool on top of the cost of the nanny. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622106 Thu, 15 Sep 2016 14:24:14 +0000 PawPrints 2622106@https://boards.hellobee.com/ <p>We are a lot less than 10% for full-time care for a one-year-old. (I think our center is a great deal.) </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622100 Thu, 15 Sep 2016 14:17:10 +0000 codeitall 2622100@https://boards.hellobee.com/ <p>If I include my quarterly bonuses (I always get at least 50% of it), it is less than 10%, otherwise I'm at 13% with one child not even full time. Dang. I do pay a lot in that context.</p> <p>Pretty sure when #2 comes along, I'm springing for a nanny because it will be the same as daycare for two and a basic housecleaning. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622096 Thu, 15 Sep 2016 14:13:44 +0000 mrsjazz 2622096@https://boards.hellobee.com/ <p>Now that LO is in public school we are paying way less than 10%. The last two years we paid 12% and the first two years of her life we paid almost 17%. </p> <p>This is one of the reasons we waited so long on TTCing for a second child. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622082 Thu, 15 Sep 2016 14:01:43 +0000 looch 2622082@https://boards.hellobee.com/ <p>I think it's important for society as a whole to have affordable childcare, so I support in theory, just not sure exactly how it would occur in practice. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622066 Thu, 15 Sep 2016 13:42:20 +0000 Anagram 2622066@https://boards.hellobee.com/ <p>I started a new thread about all the potential big changes that could happen due to childcare expenses being capped at 10%. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622058 Thu, 15 Sep 2016 13:33:10 +0000 Anagram 2622058@https://boards.hellobee.com/ <p>@bluestriped bee: I was wondering a lot of the same things. These plans could really revolutionize childcare as we know it in the US.</p> <p>Would more people choose "expensive" care options like Montessori if they knew they would get a tax refund later and prices were capped at 10% of income? Would more people choose nannies AND pay them legally (including worker's comp, etc) if they knew they would get a refund later? Would more people choose large centers over home-based daycares? Would more people choose licensed care over unlicensed? </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622048 Thu, 15 Sep 2016 13:10:29 +0000 avivoca 2622048@https://boards.hellobee.com/ <p>@travellingbee: Two in daycare is going to be twice what we pay for our mortgage every month. It's going to be a lean three years as I don't anticipate any amazing promotions/salary increases coming our way. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622047 Thu, 15 Sep 2016 13:08:12 +0000 winniebee 2622047@https://boards.hellobee.com/ <p>Ours is just over 10%. Both kids go to school and we have a part time nanny, though the nanny does other stuff like cleaning so it saves us there. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622043 Thu, 15 Sep 2016 13:02:10 +0000 caterw 2622043@https://boards.hellobee.com/ <p>We were spending 20% of our combined pre-tax income on chidcare for 3 days per week and also heavily utilizing grandma care for weekends. When DH got a big raise we decided that it made more financial sense for me not to work!!! If I were to go back to work at my former salary and put my now two kids in full-time care we would be spending about 25-30% since we moved a little too far away for regular help from grandparents. Quality daycare in our area is easily more than our rent! </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622041 Thu, 15 Sep 2016 13:01:02 +0000 travellingbee 2622041@https://boards.hellobee.com/ <p>@raspberries: We are also paying $1K more than our mortgage for two in daycare full time. :( </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622022 Thu, 15 Sep 2016 12:34:00 +0000 Mrs. Carrot 2622022@https://boards.hellobee.com/ <p>@Anagram: I totally agree with you. We miss out on a lot of tax benefits based on our income, but I'm happy to pay more out of taxes to have those benefits be available. Curious to see how it all shakes out. My guess is by the time it even comes together, if it does, all our kids will be in school anyway LOL </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622014 Thu, 15 Sep 2016 12:24:42 +0000 kiddosc 2622014@https://boards.hellobee.com/ <p>13% with two in half days. DH is taking a pay cut to move to regular business hours in a few months and then the kids will be in full time. I don't even want to calculate the percentage then. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622010 Thu, 15 Sep 2016 12:23:15 +0000 Eko 2622010@https://boards.hellobee.com/ <p>I'm at 9% for full time for one. I have always considered our daycare very reasonable for the Boston area, even when I was making less. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622002 Thu, 15 Sep 2016 12:14:56 +0000 sapphire 2622002@https://boards.hellobee.com/ <p>With one kid, much less than 10% of our gross income. When we have two in daycare though, it'll be approaching 10%. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2622001 Thu, 15 Sep 2016 12:14:36 +0000 autumnleaves 2622001@https://boards.hellobee.com/ <p>I spend less than 10% but only because LO1 is in daycare 3 half days a week and LO2 is not in daycare. It would definitely be more a lot more than 10% with both in daycare full time. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2621999 Thu, 15 Sep 2016 12:14:02 +0000 Alba4 2621999@https://boards.hellobee.com/ <p>We send our 3 year old 3 days/ weekand our 12 week old 2 days/ week to daycare. Daycare costs are 18% of our pre-tax salaries. Crazy. We live in a NYC suburb. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2621995 Thu, 15 Sep 2016 12:09:56 +0000 MamaG 2621995@https://boards.hellobee.com/ <p>It seems like it would have to be on a per dependent basis at some level as well. Last year when we had two in full time care, our cost was over 20% of gross income for TWO. Now that we have one in Kindergarten our expenses will decrease significantly. And the little is getting older where care goes down slightly in cost as well. </p> https://boards.hellobee.com/topic/childcare-more-than-10/page/2#post-2621994 Thu, 15 Sep 2016 12:04:00 +0000 BSB 2621994@https://boards.hellobee.com/ <p>@Anagram: Good point. </p> <p>Another thing I just thought of is if you have more kids clearly your expenses is going to be more. How will they handle someone who has one kid versus someone who had 5 kids? </p> <p>Will they have limitations or restrictions on what type of child care (nanny, daycare or other)?</p> <p>ETA: Could they do something similar to college aid and some public state universities get more funding than private? I understand why people have reasons to use private nannies and childcare, but we all know daycare facilities are usually cheaper than nannies and private. Just wondering how they will address this issue. Unless, this makes everyone go to nanny care... knowing they will only have to pay the first 10%. Though, I understand with tax deductions, you have to have the money upfront and be able to afford it in the first place. </p>