childcare payments for daycare

5 Tips For Covering Your Childcare Payments

A national survey on the cost of childcare confirms what parents have known for a while: childcare payments are getting increasingly expensive. More than half of the survey participants said they spent 20% of their income on daycare or nannies. In some states, that could amount to over $10,000 a year.  

With inflation and the cost of living on the rise, most couples can't afford to live on a single income. They both have to work to pay the bills—and find a way to cover the childcare payments. It's a cost they have to shoulder, though.

Here are some ways you can save on childcare payments and what you can do when your budget's tight or you have run out of cash.

Simple Steps To Help Cover Your Childcare Payments

1. Apply For a Government Subsidy

Good news for Nevada parents: the Division of Welfare and Supportive Services (DWSS) has partnered with the Child Care and Development Fund, Children's Cabinet, and the Las Vegas Urban League to provide low-income families with free or subsidized childcare.

To qualify, your household income should be less than $70,000 for a family of four. You can download the application forms at (available in English and Spanish).

Nevada 211, under the state Department of Health and Human Services, provides childcare subsidies. You can visit their website, or call hotline 211 for more information.

Finally, the national program ChildCare Aware has a list of Nevada childcare agencies that either have low childcare payments or can give allowances to help cover some of the fees. Go to for the directory.

2. Approach Your Local Community Group

Find out if your local YMCA, community center, boy scout/girl scout association, or church has daycare centers or after-school programs that your kids can join while waiting for you to come home.

tips for childcare payments

These typically charge lower childcare payments and give the added benefit of helping your child form closer relationships with people in the community.

If they don't have a program, you can ask them to refer you to one. Usually, community groups have a vast network, and they may be able to refer you to a non-government organization that you wouldn't be able to find through an Internet search.

3. Partner With Other Parents For A Nanny Share

Hiring a private nanny is very expensive. However, if you know other people whose kids are the same age, you can save big bucks through a Nanny Share.

Hire someone willing to watch all your kids, then split the childcare payments. However, your kids should be old enough that they won't need constant supervision, and your house should be big enough to accommodate everyone.

4. Look For In-House Daycare

Instead of going to a formal childcare center, look for in-home daycare run by a licensed provider in their own homes. These are considerably cheaper but still meet state regulations for safety and required childcare training.

5. Hire A Trusted Friend

You may know someone who stays at home and is looking for a way to earn extra income. Then, you can both help each other!

Just choose someone you know has childcare experience—like a stay-at-home mom, a retired grandmother, or a trustworthy and responsible young adult who's been a "big sister" or simply loves being with kids.

Get A Payday Loan With Nevada Title And Payday Loans, Inc.

If you already have childcare but are running low on cash for urgent expenses and need to find a way to make this week's bills, then a payday loan from Nevada Title And Payday Loans, Inc. is an option to consider.

paying for childcare

Think of a payday loan as a cash advance for a time-sensitive emergency expense. You can borrow up to $500 and pay it back when you get your next paycheck. It can help with childcare payments or other essentials like groceries or gas. You can use a payday loan for unexpected expenses or "financial gaps" while you wait for your next paycheck.

Our Payday Loan Requirements

At Nevada Title and Payday Loans, Inc., you can apply for a payday loan even if you have a low credit score or do not have anything you can use as collateral. You'll only need the following requirements: 

  1. A driver's license or state-issued ID
  2. Your most recent pay stub
  3. An active checking account under your name

With these simple requirements, you'll be able to begin the payday loan process and see if you're eligible to get emergency money.

Fill Out Our Online Form Today!

If you're interested in getting a payday loan, fill out our online form so we can contact you to explain how it works and answer any questions. From there, bring the required documents to the nearest Nevada Title and Payday Loans, Inc. branch to complete the next steps. 

It's a fast and straightforward process, and if you're eligible, you'll get your emergency money on that day or the next day at the latest. We're here to help. Fill out our online form today!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.