Can't Afford Daycare? Ask the People Who Know Your Family

A provider that closes with two weeks' notice, a rate that goes up, or a new center that wants the first month before your child can start. Each one is a number with a due date, and the people who will help you meet it are the ones who already know your kids by name.

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Free to create and free to send.

When you can't afford daycare

It may not be the whole year that breaks the budget. It is one moment: the provider you counted on closes, the rate goes up in the fall, or the only opening you can find wants the first month paid before the start date. If you are working out how to pay for daycare this month, that may be the shape of it: one payment, due soon, standing between you and the shifts that pay for everything else.

Start with the provider. Ask whether the first month can be split into two payments, whether a deposit can be credited toward a later month, and whether the start date can move. Asking costs nothing, and the answer can change the number before you ask anyone else for anything.

What is left after that conversation is the number worth asking about. And childcare is one of the clearest things there is to ask about, because the people who love your kids already understand what it is for: you keep working, and your child is somewhere safe while you do.

What a childcare request looks like here

Dana's childcare provider closed in July with two weeks' notice. The only opening she could find costs more each month than she was paying, and the new center wants the first month paid before her son Eli can start on the 25th. Without care she can't work her shifts, and she would lose the job that pays for the care.

So she asked the people who already know Eli, and only for that first month: the payment that gets him in the door on the 25th and keeps her on the schedule.

Ask for the first month, not the year

A year of childcare is a number nobody can picture answering. The first month is.

The higher monthly rate is a change Dana can plan around once she is back on her shifts. The first month, all at once, before the first day, is the part that can't wait. "Eli's first month at the new center, due the 25th" is an easy thing to say and an easy thing to answer, because it tells the person reading it exactly what their contribution does and where it ends.

The same goes for a deposit, a registration fee, or the difference between an old rate and a new one for the months it takes to adjust. Name the piece, attach the invoice, and say when it is due.

What you keepThe entire amount of every contribution.
When it arrivesOnce your bank is connected, each contribution reaches it in 2-3 business days. There's no goal to reach and no campaign end to wait for.
How you send itBy text or email, to the people you choose, with photos and a video if you want them to see the situation rather than just read about it. You decide who to send it to. It's never listed on A Better Gift, and it stays out of search results unless you choose to share it publicly.

Who you send it to, and what they see

Dana sent it to his grandmother, his aunt, her brother, the neighbor who picks him up when she runs late, two friends from work, and the friend whose son was in his old class. Not a campaign: the people who would want to know he has somewhere to go on the 25th.

Each of them opens the link and sees what she wrote: what the money is for, when it is due, and the invoice and any photos or video she added. Once her bank is connected, each contribution reaches it on its own in 2-3 business days, with no goal to reach first.

Dana receives the entire amount.

Diapers, formula and the things that run out

Paying for childcare isn't always a daycare invoice. With a new baby or a toddler, it is diapers, formula and the supplies that run out before the next paycheck does. That cost never arrives as one bill, which makes it easy to keep putting off the ask.

Give it a stretch of time instead of a total: diapers and formula until the next paycheck, or for the month after a job change. A specific period is easier to picture covering than an open-ended need, and it tells people where the ask ends. Receipts from the last month make the number concrete.

Start a private request

How a private request for childcare works

Everything a request does is built around one goal with a date on it, and the people who already know your family.

  • The daycare's invoice comes first. Attach the invoice or enrollment letter, so the people you ask see the amount and the due date the center gave you.
  • Your family's situation, in your words. Explain what changed with your care and what the money covers: a new center's first month, a deposit, or diapers and formula until payday. Add a photo, and record a video of yourself saying why you're asking.
  • Never listed for strangers to browse. You send it by text or email, and only people with the link can open it.
  • No account to give. A grandparent, an aunt or a friend contributes as a guest and gets an emailed receipt.
  • Every dollar of it is yours. Each contribution is paid out on its own. Once your bank is connected, each one reaches it in 2-3 business days, with no goal to reach first, and contributions are still welcome after the goal is met.
  • Payouts checked by Stripe. Stripe confirms your identity, and payouts can only go to an account in your own name.
  • Keep the family posted. When there's news, record a video update. It goes by email to everyone who gave and to the relatives you asked by email.
  • A goal worth asking for. Requests start at $500, so the people around your family can cover something that matters together, like the month of care that keeps you at work.

For the full walkthrough, see how A Better Gift works.

What it costs to raise money for childcare

Nothing to create a request. Nothing to send it. And nothing comes out of what people give you: you receive the entire amount.

What a private request does for childcare

On A Better Gift, a request starts private, and only people with the link can open it. A family's childcare is not a public matter. A public page puts your kids, your job and your budget in front of people who don't know any of you, and it can stay up long after the first month is paid.

A private request goes to the people who already know your family, and every dollar contributed reaches your account. For the arithmetic side by side, see the fee comparison, and for the difference in approach, what private fundraising is.

Questions about paying for childcare

What do you do if you can't afford daycare?▼
Start with the provider, before the start date. Ask whether the first month can be split into two payments, whether a deposit can be credited toward a later month, and whether the start date can move. Whatever is left after that conversation is the number worth asking a few people to cover: ideally one payment with a due date, which is the clearest kind of ask there is.
How do you pay for daycare when the first month is due up front?▼
Treat it as its own payment, separate from the months after it. Name the amount and the date it is due, attach the invoice or enrollment letter, and send it to the people who already know your child. Once your bank is connected, each contribution reaches it in 2-3 business days, so send the request before the due date rather than on it.
Is this a childcare subsidy?▼
It isn't a subsidy, and it works alongside one. A request is money from the people you know, sent to your own bank account. If you already receive childcare assistance, a request can cover what it leaves: a copay, a deposit, or the first month at a new provider.
Will money from a request affect my childcare assistance or other benefits?▼
Money from a request reaches your own bank account, so it is treated like any other money arriving there. If you receive childcare assistance, Medicaid, SSI or another benefit with income or asset limits, that can matter, and it is worth asking whoever administers your benefit before you raise anything. We can't advise on it and nobody should guess for you.
Can I ask for help with diapers and formula, not just daycare?▼
Yes. Childcare & Family covers daycare, baby supplies, diapers and formula. Give it a stretch of time rather than an open total, such as diapers and formula until the next paycheck, and attach receipts from the last month so the number is concrete.
Should childcare costs go on a public fundraising page?▼
It can. The thing to weigh is that a public page can keep your family's situation searchable and open to comment long after the payment is made. If the people most likely to help already know your kids, a private request on A Better Gift reaches them without the public page.
What does A Better Gift charge?▼
Creating a request is free, sending it is free, and you receive the entire amount of every contribution.
What happens if I don't reach the amount?▼
You keep everything contributed. Once your bank is connected, each contribution reaches it in 2-3 business days, whether the total is met or not.
How do I get the money?▼
Once your bank is connected, each contribution reaches it in 2-3 business days, one contribution at a time, and the goal doesn't have to be reached first. Stripe checks who you are, and you're paid only into an account held in your own name.
What can I include in a request?▼
Your story in your own words, what the money pays for and when it is due, the daycare invoice or enrollment letter, photos, and a video of you explaining why you're asking. The people you send it to see your story, the invoice, your photos and your video when they open the link.
Can a grandparent or a friend set up the request for us?▼
Yes. The person who creates the request receives the money, so it should be whoever will actually pay the provider.
Is it strange to ask family to help pay for childcare?▼
It can be the whole reason not to ask. But a grandparent or an aunt asked to cover a few days of daycare is being asked to do one specific thing for a child they already love, which is a different request from asking strangers to judge your budget. For the wording, How to Ask Family for Money has scripts for parents and relatives.
Is this page for a baby shower?▼
This page is for care and supplies a family needs. If you are expecting and would rather friends sent money than shower gifts, How to Ask for Money Instead of Gifts covers that wording.

Start a private request

Start a private request