I offer clients two payment options depending on how they prefer to budget .... one is the average going weekly rate for my city $174 a week and I put aside the money for my vacation, personal day closures so they do not pay when I am closed for those and the other is an 8% lower weekly rate of $160 a week and clients pay that same rate 52 weeks a year including the 10 days of vacation I am closed and the 10 personal days I take over the course of the year ~ if they leave with accrued vacation pay still owing to me it comes out of their security deposit and gets paid at the end of care ... so either way Option A or B they are paying me the same it is just all in how someone chooses to 'look' at things budget wise.