Thanks for the advice ladies

I laughed when I saw the size of your post Reggio but I see where your coming from. We don't live in credit debt and don't live beyond our means as we were once there and thankfully got out before we got in way over our heads. We are in a good place now as I have young children to put first but starting up my business I guess I could have put the money in savings and done without a few things for sure.
I think after reading so many having problems with families leaving and not paying..moving foward I think I will change it to last weeks of daycare. Would you share your spreadsheet? Sounds like something I could use and or direct me where you got it (paid for it?)