How can you budget if you don't know if somebody is going to take a day off and not pay? I charge for all closed daycare days, stats and a few others that are listed in my contract that aren't quite stats like Christmas Eve day. I charge for sick days or missed days for any reason. That would include weather or car problems, you name it, why spell it out?

In other words, my dc clients pay full fees 49 weeks of the year except for my 3 weeks of closed vacation. It's simple, straightforward and everyone knows how to budget. There are never any hard feelings because it's in black and white with no grey areas.