Juggling the cost of care with the pay of work
Mamas, we recently heard from an urbanMama who is trying to juggle the cost of childcare with the wages she'll bring in with a new job. Do you have any advice for her situation?
I started my first day of work today: $10/hr., 3 full days a week, and I have two kids that need daycare. Obviously, this will be hard to swing, but I have a provider who is willing to charge me $6/hr. for both of them.
However, she wants payment in advance, PLUS a deposit. At bare minimum, I must pay 75% of my monthly bill on the first day - 50% of this month's bill plus 25% of my deposit (which is equal to 1 month's bill). I will be making about $800/mo before taxes, and paying $650 of it to her for the next two months.
I know that $6/hr is a steal, but I feel very uncomfortable about the money upfront. For one - I don't HAVE that money. I'm just getting back into the workforce! I will have to borrow the first TWO payments from my parents - who don't have money either and will be paying interest on something they were intending to use this money to pay off - because my first paycheck will be for only 1 day of work, and I will have to wait another 2 weeks - 3 weeks total - to get a substantive paycheck. By then, I will have already had to pay the first $650.
I showed up for my first day of work today to learn that the other girl with whom I was sharing this job was JUST fired. They had "an issue." I know that a previous girl in my position was fired for being habitually late. I am worried that, as a mom who (of course) has difficulty getting places on time sometimes, I could easily lose this job - which pays so little to begin with - and end up owing my mom hundreds of dollars, having paid in advance for weeks of childcare that I do not need with money that I do need and cannot get back.
So, now, my employer also wants me to work more hours - 9-4, 5 days a week. Great, except that this means I will have to front even MORE money that I do not have for childcare, because more hours = larger monthly bill.
I don't know what to do. I feel like I shouldn't have to place a bet on my job - gamble hundreds of dollars in the hopes that it will all work out and eventually I will be in the black. At the same time, I understand that the daycare provider is a single mom trying to make ends meet who fears taking chances with late payments - she needs to make sure her own bills can be paid.
What do I do?