Time-Space Percentage > Money Management

Tips on How To Save Money

We could all use some extra money for a vacation, furniture, clothing, retirement. Here are some simple tips to help you save more: Set aside every $5 you receive as change in an envelope for a rainy day. After paying… Read More ›

How To Pay Yourself First

Most family child care providers know they should be saving more money for their retirement. But, at the end of the month there is usually little, if anything left for savings. You’ve spent your money on other things and left… Read More ›

Do You Want a Small or Large Profit?

The question seems simple. Don’t all family child care providers want a large profit for running their business? Apparently not. Over the years I’ve seen a lot of tax returns of family child care providers. I’ve seen a provider with… Read More ›

What Hours Should You Count?

In my article “How Much Do You Make Per Hour?”, I explained how you can calculate your hourly wage using numbers from your tax forms. Family child care provider Renita from Oklahoma pointed out to me that she worked many… Read More ›

How Much Do You Make Per Hour?

You may want to know the answer to this question because you are considering raising your rates and need help in justifying higher rates. Or, you are just curious. Whatever the reason, here’s the simplest way to figure this out:… Read More ›