it definately sounds like you are being taken advantage of. I dont understand why she would take american and canadian stat days anyway. Does the contract say that you pay for her sick days, because those arent "holidays".

I dont think that the fact that you are a single mother has any bering here at all. I'm sure you would feel the same way if you had a second income in your household.

It seems to me that perhaps her contract is too vague because you seem surprised by what you have to pay for. If in fact the contract states that you pay for all of the days off as you mentioned then you have no one else to blame. As a self employed person she doesnt have to "ask" you for the time off. Its her decision when, but it is her responsibility to give proper notice.

If she wont budge on policies and its not working for you, its definately time to move on but be sure to read the contract thoroughly before signing. Perhaps a daycare centre would be more suited to you since you have no one to cover days off. that way you can save vacation days for vacation.. Best ofluck