I have been doing home daycare for several years (10 or so), and I have always had "15 paid vacation days" in my contracts as well as all CDN stat and civic holidays paid. I do not get paid for any sick or personal days though. I also make sure to give parents ample notice of any vacation time usually 2 to 3 months written notice. I have never had anybody have any issues with this. I think if the contract is spelled out clearly, this is the key to averting any issues.

While I do sympathize with your situation, you did sign her contract that was too vague and perhaps misleading. Although I don't think she would be legally able to charge you for US holidays or Mothers and Fathers day. Definitely excessive. Hope you find alternate care soon.