Momof5 welcome. She is totally taking advantage of you. I see that you are in Ottawa. I am in Orleans. One of the best things you could do is contact the Childcare Providers Resource Network. They offer support with getting started in daycare, offer workshops, learning resources, etc. Info can be found on their website but also worth a trip into the office to check it out. You won't be disappointed. http://www.ccprn.com

Even without a contract there is no reason not to tell the mom tonight at pick up the amount she owes and that it is to be brought tomorrow or there is no care on Monday. You are totally being taken advantage of and she may realize that because there is no contract there is no way for you to enforce the money. But you can refuse to let them back into your home on Monday if payment has not been made on Friday.