I wasn't going to reply because I do truly believe that there are many ways to run businesses (any business, not just hdc's) but your last sentence made me change my mind.
I have been in childcare for over 12 years, 18 if you include teen babysitting, and have ran my own business for almost 5 years. During this time, I have known quite a few people who dismiss our job. They think it's easy, nice to stay home or go to work and "play" everyday, not important and we don't have a hard job because there's not a lot of "thinking" that goes into it. Some just call us babysitters! My goodness, even the gov't dismisses our career, just look at the last time childcare providers have had a wage increase or daycare fee's increased.
So when I read your last sentence, it makes me sad! If we don't value ourselves and charge an appropriate fee for our services and quality care, who will? We need to take pride in what we do, stand up for what it is fair and expect to make money from our business. Do you know anyone else who goes to work just to break even?? IMO, that is not a successful business.
I am quite passionate about my career choice and will always advocate for it and for the providers. I completely understand that you want to stay home with your children and offer affordable care but at the end of the day, it is YOUR family that is losing out. If you charged even $5 more per day you would still be offering affordable care but you would also be making money...money that could go towards YOUR children's activities, education and future. It's great that your husband can support you but wouldn't it also be nice if you could support yourself? Have rainy day money? Have a nice chunk of savings put away for emergencies? You need to value and respect yourself if you want others to do the same. If you have families not paying you on time or at all, than they don't value or respect you and that is NOT fair.
I charge a higher rate than you but it includes quality care, food, supplies, outings and also goes towards my holidays because they are technically unpaid. I find that this goes over better with parents than charging for my holidays and a cheaper daily rate.
It is obviously your daycare and you can do what you want but I just wanted to give you another perspective. It makes no sense to work as hard as we do and not make money at the end of the year...at least not in my mind