{"id":58179,"date":"2023-07-25T00:00:00","date_gmt":"2023-07-25T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/managing-childcare-expenses-strategies-for-working-parents\/"},"modified":"2024-01-10T09:26:27","modified_gmt":"2024-01-10T14:26:27","slug":"managing-childcare-expenses-strategies-for-working-parents","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/managing-childcare-expenses-strategies-for-working-parents\/","title":{"rendered":"Managing Childcare Expenses: Strategies for Working Parents"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/family\/\">\n\t\t\t\t\t\t\t<span>Family<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Managing Childcare Expenses: Strategies for Working Parents<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-25T160650.609.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Happy young African American girl in bright pink shirt, playing with colorful wooden blocks\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-25T160650.609.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-25T160650.609.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-25T160650.609.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Managing Childcare Expenses: Strategies for Working Parents &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/managing-childcare-expenses-strategies-for-working-parents\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/managing-childcare-expenses-strategies-for-working-parents\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 25, 2023 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>The cost of childcare has long been a source of concern and stress for parents. In many households where both parents work, one parent may choose to go on parental leave, work part-time or stop working, or while their children are small because the economics of working and paying for childcare doesn&#8217;t make sense.<\/p>\n\n\n\n<p>For those who need childcare, there are ways to manage the expenses that don&#8217;t involve putting one parent&#8217;s career on hold. Here are six strategies for working parents to consider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Find a centre enrolled in Canada&#8217;s national childcare program<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/campaigns\/child-care.html\" target=\"_blank\" rel=\"noopener\">Canada-wide Early Learning and Child Care<\/a> (CWELCC) system aims to provide affordable childcare to families at an average rate of $10\/day by 2026. To achieve this objective, provincial and territorial governments are creating 250,000 new childcare spaces, backed by $30 billion in funding from the federal government. Facilities can choose to sign onto the program and must tell parents whether they are enrolled.<\/p>\n\n\n\n<p>Agreements with all 13 provinces and territories have been reached, including an asymmetrical agreement with the Government of Quebec (already offering $10\/day childcare). In Ontario, 92 per cent of childcare providers have already opted into the program.<\/p>\n\n\n\n<p>And what if your child will attend daycare before the program is fully in place? If your child is enrolled in a participating facility, fees are reduced by an average of 50 per cent as of late 2022.<\/p>\n\n\n\n<p>The program means big savings for parents. The Canadian government estimates that parents will save thousands a year \u2014 from $2,610 in Manitoba to over $9,000 annually in Ontario and British Columbia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Apply for tax benefits<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-child-benefit-overview.html\" target=\"_blank\" rel=\"noopener\">Canada Child Benefit<\/a> (CCB) is a tax-free monthly payment made to eligible families to help with the cost of raising children under 18. You can apply once your child is born, and you don&#8217;t need to apply for related provincial or territorial programs \u2014 the CRA will determine your eligibility when you apply for the CCB. How much you receive is based on the number of children you have, their age, marital status and family income.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Make flexible work arrangements<\/h4>\n\n\n\n<p>Many employers today have adopted a flexible approach to the workplace. Since the pandemic, some have moved to a fully remote model, while others offer a hybrid environment. Employers sometimes don&#8217;t require staff to work set hours \u2014 as long as the work gets done, you can determine your schedule.<\/p>\n\n\n\n<p>If you have a flexible workplace, you may be able to balance work with the care of your child without the need for full-time help outside the home. Perhaps you and your spouse can work out offsetting schedules that ensure both can work and provide care. Even if you can reach such an arrangement once or twice a week, you can save on childcare costs!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Collaborate with other parents<\/h4>\n\n\n\n<p>As the saying goes, &#8220;It takes a village to raise a child,&#8221; meaning it takes many people to provide a safe, healthy environment for children to thrive. Other parents in your community have the same objectives and challenges as you. Tapping into that shared goal of raising healthy, happy children is worth researching.<\/p>\n\n\n\n<p>Whether it&#8217;s rotational after-school care for a small group of kids, a babysitting circle of teens in your neighbourhood or a reciprocal arrangement with other parents of infants and toddlers for occasional relief, there are ways to use your &#8220;village&#8221; to help with the care of your child, at little to no cost.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. Did someone say, grandparents?<\/h4>\n\n\n\n<p>Today&#8217;s grandparents have a range of lifestyles, goals and priorities. Some active grandparents would love nothing more than to care for their grandchildren \u2014 full-time or occasionally, while others are willing to help out occasionally. It&#8217;s worth having a frank conversation with your parents and in-laws to gauge their willingness to take on some care responsibilities.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6. Hire a nanny\/live-in care<\/h4>\n\n\n\n<p>Nannies can be a wonderful option for childcare. Not only can your child remain in their environment, stick to routines and receive one-on-one attention, but having a nanny at home can make life significantly easier for you. Consider this:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You don\u2019t have a pick-up or drop-off to contend with<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You can add extra responsibilities such as grocery shopping, food prep or light housework<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It may be easier to negotiate longer hours on days you need to work late<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If your child is sick one day, you don\u2019t need to miss work because your child can\u2019t go to daycare<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Live-in caregivers are less expensive than nannies who come to your home. While you need to be comfortable with someone living with you, this can be a great option for ongoing care. Keep in mind having a nanny may eliminate the need for a cleaner and cut down on grocery delivery costs that many busy parents come to rely on.<\/p>\n\n\n\n<p>Coordinating and paying for childcare is one of the more time-consuming tasks a new working parent has to manage. Fortunately, there are options available that can bring the costs down \u2014 so you can have a career and a healthy, happy, well-cared-for child.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bb1aa796-7c64-41a3-94c1-f6b1a35a0df3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Managing Childcare Expenses: Strategies for Working Parents &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/managing-childcare-expenses-strategies-for-working-parents\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/managing-childcare-expenses-strategies-for-working-parents\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-73d59d3f-7eb6-4b35-80c2-c5096e52c4b2\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/family\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Family<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full 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mar-t-0\">Sandwich Generation Financial Planning in Canada: A Complete Guide<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Mother and daughter talking about money with the daughter putting coins into a piggybank\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg 6000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" 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