New to daycare...Regretting my Rates & Policies

[KingstonMom]

Hey all...just looking for an opinion on my situation...Here goes my long post/venting session:

I just left my corporate job to do home daycare starting April 2011. I posted on kijiji and got 3 kids, 2 are full time, 1 is a part timer (with sketchy hours to boot...half a day one week, 3 full days the next, never the same schedule...)
Being new to daycare and seeing how much competition was out there, I offered my services WITHOUT contract, unpaid sick days, unpaid stat holidays, HOURLY wage @ $3 per hour. My 2 full timers steadly pay $270 bi-weekly, (which works out to 9 hrs per day, 5 days per week) unless they come an hour early etc..1) I regret not signing onto a contract AND charging more. I am finding ourselves losing money due to the food, milk, electricity charges etc. 2) I know it is my own fault for not standing up and mentioning that I DO NOT charge by the half hour...if you are here after 4:15 then it is a full hours charge. But because I have been accepting this treatment in pay for the past 2 months, I dont know what to say without making things awkward between us now.

3) One of my full timers is still coming in running shoes, pants and long sleeved tops. It is now June in Ontario and we are sweating outside on our walks! How do I suggest she pick up some weather appropriate clothing for her daughter? Should this not be any of my concern? Do I let the kid sweat it out due to her parents' lack of attention to the outside temperature while in their air-conditioned office buildings?

To top off all of my complaining about my own mistakes for not correcting this stuff in the beginning...I found out I am pregnant right when I quit my corporate job to start daycare. I am due in October. Luckly my amazing husband is able to come home and stay with the kids when I have my monthy appts, but we have closed for half days two times due to ultrasounds we both wanted to attend. (Parents know my husband and approve 100% of him watching kids while I must go to an appt.) I cant help but feel incredibly guilty whenever I need to take a few hrs off to go to personal appts. For my son, or myself.
What does everybody do with regards to things like this? Do you close down for appts, and if so, are parents okay with this? Right now, only 2 of the 3 kids have any sort of back up care, making these appts even more hard for them to work around. Again I said it has been 2 afternoons in 2 months. Is this too many? (its not like I can help it!)

I can just hear Judy (justthebabysitter) scolding me now for what I have gotten myself into!!
Any and all input is more than welcome!! Thank you so much!