What to do when I have to close my daycare early for maternity leave??

[Lee-Bee]

All those other employed women ARE paying for EI themselves, it is just that their employer is automatically taking that money off their paycheck. But yes, I feel your stress. Being unable to be fully employed until the end when you don't qualify for sick leave EI makes things very hard financially.

The women pay it, they just don't see the money as their employer deducts it form their pay first. As well, the employer has to pay a portion as well...which means that the women make less...because any company would take this into consideration when they choose how much they pay - they have a set amount they can afford then they see how much they will be responsible for paying and give the wages to reflect this.

The only difference is that as a self employed person you SEE and HOLD the money first then pay it...for employees they just get the left overs as their pay check! It's kind of like paying for something in cash versus debit/credit. If you just charge it you don't see/feel the impact as much as having to count out and hand over the cash! In the end it costs both the same (unless you charge it and don't pay before interest lol).

[AmandaKDT]

The women pay it, they just don't see the money as their employer deducts it form their pay first. As well, the employer has to pay a portion as well...which means that the women make less...because any company would take this into consideration when they choose how much they pay - they have a set amount they can afford then they see how much they will be responsible for paying and give the wages to reflect this.

The only difference is that as a self employed person you SEE and HOLD the money first then pay it...for employees they just get the left overs as their pay check! It's kind of like paying for something in cash versus debit/credit. If you just charge it you don't see/feel the impact as much as having to count out and hand over the cash! In the end it costs both the same (unless you charge it and don't pay before interest lol).

Which is exactly why I pretend the money I receive from one daycare spot doesn't exist - it goes directly into my savings account to use for paying my income taxes and such.

[LizzyGrant]

Which is exactly why I pretend the money I receive from one daycare spot doesn't exist - it goes directly into my savings account to use for paying my income taxes and such.

I do the same but I just didn't account for a whole 2 months off work before my maternity leave...so those savings will be partly going towards that time now. Booo!!!