First off, welcome to the wonderful world of home daycare!
I just want to say, people asking for sibling discounts drive me nuts. If you go to the gas station and ask them if you can have a discount because, well, you own TWO cars and not just one, will they give you one? DOUBT IT!!! Dont let people try and make YOU pay for THEIR life choices.
I started out in an apartment and charged lower as well. It did make it harder to find clients, but if you have a solid program and solid space you will probably be fine. I am sure the fact you have your ECE helps a lot!
I was young too when I started. I was 23. Don't let people get to you!
As far as late pick ups, I charge one dollar per minute but if they are late more than 3 times they need to look for alternate care. I also have in my contract "please respect my hours as my time with my family is important to me" which I think really sends the message home.
Good luck!

































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