Does anyone know an affordable daycare in Franklin, Indiana?

Answer 1

judge not, lest ye be judged? ... does this ring a bell to any of the self-righteous people out there?

don't listen to anyone who tells you that the mother NEEDS to stay at home with their children. not everyone can afford this luxury. i myself am a single parent. how am i to stay home with my children?

I've found this link that i think should help you out.

http://indianapolis.backpage.com/gyrobase/classifieds/Results?category=78688

best of luck

Answer 2

I agree in spirit with the first (long) answer. But, not everyone has a situation that includes a spouse.
My husband is a stay at home dad and I work. I nursed my kids (when they were little) on my lunch hour and enjoyed the benefits of having a stay at home parent. I am amazed on how little we live on.
It is a priority to us, but I don't know about the woman in Franklin Indiana. Who knows her situation. Hang in there. We are from INdy originally. Check with Johnson County Memorial Hospital. I bet they have a list for new moms that give birth.

Answer 3

When your kids are sick of staying home with mommy and daddy and asking to be involved with other children, and asking to go to school, What is your answer then?
We homeschool and parent both but just like every person in the world our son wants to get out once in awhile, I am so frustrated by people saying that moms and dads need to step up. when they are!! If you cant give a good answer, DONT ANSWER..
NOW, to answer the posted question, Sherris safari, Franklin IN her phone is 317-412-0867

Answer 4

children need their parents not daycare to care for them. ask yourself this: who were you raised by? your mom or daycare? if daycare, if you had to do it all over again, would you change your answer? statistics: in most daycares, there are one to two teachers per 15 to 30 kidlets. how much attention do you think your little one would get? do you think if he or she had a runny nose they would get tended to right away? i doubt it. how about a dirty diper? wouldn't you like to take care of your own children cause you made them? you might say "but my lifestyle is so hectic...work, school etc". don't put work and school ahead of your children. your children are more important and you are going to miss the lost moments you have with them. Unless you don't mind the day care teacher to call you and tell you she called her "mamma", or that she learned to walk (and you weren't there to see his/her first steps). you have to make sacrifices in life when you have children. work nights. get your husbant to work 2 jobs so you can stay home (assuming you are married, in which case if you're not, your poor children are going to suffer even more). instead of being worried about finding an affordable daycare in indiana, you should be more worried about the wellbeing of your kids. the well being that only you can provide for them. staying at home with your kidlets is more rewarding than anything else in the world.

tips to be able to stay at home (sacrafice for your child)
1. refinance your home
2. sell/trade your second car
3. Eliminate Unnecessary Luxuries

There are many ways to save $50-$100 a month just by eliminating some unnecessary expenses. For instance, cell phones; do you really need two cell phones, or even one? Cable or satellite subscriptions can also be reduced by changing plans, or eliminated altogether.



4.) Examine Your Grocery Budget

Groceries are another expense that most families can reduce with some work.

5.) Consider Working At Home

Ask your current employer about the possibility of telecommuting from home. You might also consider opening a home daycare.



6.) Bargain Shop

Garage sales and consignment shops can be great ways to save money. Many consignment shops only accept quality items so this can be a wonderful way to save money on children's clothing.



7.) Use Coupons

You can use coupons for more than just groceries. You can save on hotels, diapers, gas, computer products and many other items. With a little work and organizing, using coupons can save you a substantial amount of money each month.



8.) Family Activities

You can save money on family fun in several small ways that will add up over the month. Use the library instead of the bookstore, visit the public park instead of Gymboree, and check with your local zoos and museums; many offer discounts or free days.

READ BELOW TO SEE JUST HOW MUCH YOU COULD BE SAVING IF YOU STAYED AT HOME
Weighing the Cost of Working Vs. Staying At Home

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This Info Guide will help you take a look at how much you're spending to work. We'll uncover some of the most obvious costs and some not-so-obvious ones. You'll probably think of others as we go along. Be sure to write them down. They'll be important in evaluating your own family's situation.


Taxes

We think about our work in terms of a salary or hourly wage. Some of us even remember to subtract out taxes before planning on how to spend our next paycheck. But how often do we think about our tax bracket? The U.S. government breaks our society down into segments of wage earners-those earning more pay a higher percentage of their income to Uncle Sam, those earning less pay a lesser percentage. By knowing which tax bracket
your family's total yearly income falls in, you can calculate the tax
"cost" of working.

Here's an example: Let's say your spouse earns $38,000 per year. Within this lower tax bracket, the federal income tax due on his salary is about $3,600. Now let's add your salary at, for example, $30,000 per year. Your combined income of $68,000 jumps your family into the next tax bracket with a total federal income tax burden of around $10,000. Your $30,000 salary is effectively cut by $6,400 instantly just because your added income increased your combined tax bracket.

Remember, tax laws change frequently, and nothing can substitute for the advice of a good tax advisor. Yet, it isn't hard to see that you might actually be farther behind at tax time by making more money.

Direct Work-Related Expenses

There are some obvious places where we spend money to make money. Working requires an output of not only our time and talents but a portion of our paychecks as well. Some expenses are easy to see, some are more obscure but nonetheless a cost of working. And some cost us in intangibles, like time away from family. Below is a listing of some direct work-related expenses. Think about your own situation and write down how much you might be spending on these things per month or year. Add in any
others that affect you. How valuable are the intangibles? Consider those as well.

Commuting

We're all keenly aware that driving a vehicle and maintaining it costs us money. These costs rise if two vehicles are on the road regularly. And, depending on your driving habits, you may be at risk for other costs as well, like more frequent parking and traffic tickets. Below are just some of the ways you may be spending your hard earned dollars to commute.

Commuting
2nd car payment $_______
car insurance $_______
car registration $_______
parking $_______
car wear & tear (estimate about 20-25 cents per mile depending on age of car) $_______
gas & oil $_______
traffic tickets $_______
maintenance/repairs $_______
tolls $_______
other $_______
TOTAL: $_______


There are some intangible costs of commuting as well. The time you spend going to and from work is time that could be spent with your family. Also, the stress and frustration of driving in traffic takes its toll on your nerves, which may leave you tired or short-tempered when you get home. Commuting probably creates other intangible costs in your life. Consider them all.

Wardrobe / Uniform

Most work environments have some kind of dress code. Depending on your type of work, it may range from casual, to executive suits and ties, to required dress. Whatever your situation, working requires a wardrobe beyond what you might wear around the house. Besides your clothes, remember to think about the little things that go into preparing you for your job.

Wardrobe / Uniform
make-up $_______
dry-cleaning $_______
more jewelry $_______
more frequent trips to the salon $_______
hair & nail $_______
hose / slips $_______
additional shoes $_______
products for work $_______
additional clothes for work $_______
other $_______
TOTAL: $_______


One intangible cost of maintaining a "look" for work is the time you spend shopping for these items-it's time you could be spending with your family. It might even be time you could use for yourself, like reading a good book or taking a hot bath, so you not only look good on the outside but feel good on the inside as well.

Child Care

Paying for the care of our children while we work takes a large chunk out of most mothers' paychecks. It can be an even bigger bite when we consider costs like the ones that are listed below.

Child Care
daycare rate $_______
extra travel $_______
more childhood illnesses due to child's exposure in childcare: add
extra medical costs for child and other family members who get sick $_______
lunch/snacks $_______
expenses associated with childcare provided by family and friends $_______
add lost time/pay at work for spouse (see below) $_______
other $_______
TOTAL: $_______


If because you are working, your husband has taken on more parenting responsibilities such as: staying home with a sick child; taking children to doctor's, dentist's appointments; meetings at school; staying home with children due to "snow days" or other daycare or school "shutdowns", he may take a loss in income, bonuses or promotions due to this additional time off. Don't forget to consider extra costs to your husband's, and therefore your overall income, due to commitments to your job.

Meals

Eating out is the American way of life. With our busy schedules, taking time to prepare a meal often loses out to the convenience of fast food probably no more than a block away. Besides, who's got the energy, right? Our modern day conveniences can cost us a bundle, however. How much might it be costing you?

Meals-Cost of extra:
lunches out & snacks at work $_______
expensive convenience foods $_______
more frequent family dinners out $_______
other $_______
TOTAL: $_______

Indirect or Hidden Expenses

We can't hide what taxes are costing us-the IRS sees to that. And the expenses resulting directly from our work are usually easy to spot. But just how many costs of working are still lurking behind our two-income blinders? The answer might surprise you. Below is a listing of seemingly subtle sacrifices we make in order to work, but that can actually have a significant impact on our financial picture.

Social Events At Work

There are all sorts of things at work we participate in that have
nothing to do with our jobs. They're typically fun, like a co-worker's baby shower or boss' birthday party, and might be a nice diversion from our work responsibilities. But they also cost us out-of-pocket.

Social Events At Work
chipping in for gifts/foods $_______
personal gifts $_______
other $_______
TOTAL: $_______


Depending on how much socializing your job requires, you may spend your off-hours, like evenings or weekends, at company functions. This might cut into your family time. Too many social events could cut into time you need to get your work done as well, causing undue overtime and added stress. What are these intangibles worth to you?

Job Maintenance

The cost of working may include some out-of-pocket-expenses for tools of our trade, such as briefcases, computers, and other equipment with which we get our work done. And to keep up our knowledge and skills, we may also pay for classes or other education that isn't reimbursed by our employer.

Job Maintenance
cost of continuing education $_______
trade magazines and other publications $_______
tools/equipment not reimbursed by the company $_______
other $_______
TOTAL: $_______


Your job may also require travel that takes you away from your family. Depending on how often or for how long you travel for work, there may be a level of stress and expense that grows proportionately. The intangible cost may be higher than you imagined.

Household Maintenance

There's no getting around it-the hours have to be put in at home in order to keep it maintained and livable. Someone has to do it. The question is often "who?". Whatever choices we make about who's going to keep the house up, it costs us.

Household Maintenance
hired cleaning help $_______
hired repair help $_______
hire baby-sitter so you can do it yourself $_______
other $_______
TOTAL: $_______


An intangible cost of maintaining the household yourself is that you may find your evenings and weekends filled with chores rather than spending that time with your family. This may have an effect on your own level of stress and energy. Think about all the ways maintaining your household costs you and your family.

Your REAL Take Home Pay

You've added up both the direct and indirect costs of working. Now simply subtract them from your net income. Many couples are surprised at how little is left! When all is said and done-when you have considered both the hard cash and significant intangibles your family expends to maintain a two-income household-you may be surprised to find that working costs you more than you realized. Rather than getting ahead, some families actually find themselves farther behind!

There is one last step to understand what a second income is truly contributing to your total household income. If the second income comes with other benefits that you alone receive, and would have to be paid for otherwise, you must add this amount in to your real take home pay amount. Things to consider are: health insurance for the family that you alone receive, investment or retirement funds that are matched by an employer, and so on.

YOUR CHILDREN DESERVE YOU. THEY NEED TO BE RAISED BY MOMMY OR DADDY NOT STRANGERS SUCH AS BABYSITTERS OR DAYCARE CENTERS. when you have kids, you do what's in their best interest not yours. dumping them at daycare so you can go to work or school will not teach your children anything. you will miss many precious moments.