I am beginning to realize how fortunate I am - I have been doing this for 7 years - In my child care agreement I account for, 2 weeks vacation (usually in the summer but not always), the usual stats, the days between Christmas & New Years. I also have 6 sick/personal days and if necessary - 5 bereavement days. Lucky, I know. I also require payment at the beginning of each month in form of post-dated cheques so there is no haggling over fees. Again, I am feeling very, very fortunate with the choices I have been able to make regarding my business. I don't know I could do it otherwise.