First of all, I'm so sorry about your husband's employment situation and the fact that you have to sell your dream house to be financially solvent. That sucks!
As far as anything that happens with my daycare clients, I start conversations with 'According to our contract agreement....' In this case I would say to her that she signed an agreed to your contract and it clearly states payment is due. Don't be wishy washy, don't ever let it happen once or people will do it again and again. Be strong and confident where your business is concerned.
When I started in the business some wise home daycare providers who have become wonderful friends taught me that we are nurturers at heart but we have a business hat to put on when dealing with the parents. It's very true. I was pushed around and gave in my first year in the business but now I am very fair but definitely my contract is law. How will your clients think of it as a legal contract if you don't enforce it?
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