yup you would be better off putting a portion away in a savings account and having hubby take mat leave for the first few weeks/months to help with the daycare and newborn. use your holidays for when you are due (hopefully baby will makes its entrance on time) and then have dad be home to pinch hit. most daycare providers only close for a short period so they don't lose their families in care.....but the key thing is to have a plan in place before you announce to the families that you are expecting and that helps them to feel reassured.