Living in the Gap: The Patels

Spotlight on Early Childhood Education & Care

Meet Jessi Patel and her infant son, Benton, who reside in Toronto, Ontario. They represent the many households in Toronto in which the high costs of childcare and housing undermine the stability expected of a well-paying job. 

Jessi is returning to full-time work as an administrative assistant after maternity leave. She holds a Bachelor’s degree from York University and her yearly income sits slightly below the median income of lone-parent households in Toronto. Because she receives health and dental benefits from her employer, Jessi has barely any health-related costs per month. She receives no income from any other outside sources, apart from government transfers.

Jessi currently spends $1758 on full-time, center-based daycare for 10-month-old Benton. She is currently on the waitlist for a daycare subsidy, though she only qualifies for a subsidy of $470/month – less than half of her monthly daycare costs. After dropping Benton off at his daycare near their home in the downtown core, Jessi drives to work outside the city, a trip that would otherwise take two hours each way by public transit. Her situation is further complicated when Benton gets sick; with no family nearby, Jessi has to find and pay for a last-minute emergency babysitter.

Meeting the immediate needs of her family and trying to secure a future for Benton often ends up being a balancing act; for example, Jessi has opened an RESP fund for Benton to be able to attend college or university debt-free (a privilege she did not enjoy), but is often unable to afford the minimum monthly payment required to reach the minimum annual contribution – she relies mainly on tax returns to top up this account before the end of the year. With the RESP contribution and food portion of Jessi’s budget being the only line-items with any flexibility, miscellaneous expenses throughout the month are drawn from either one (or both) of these budgets. Even with a decent income and government support through the Canada Child Benefit and Ontario Child benefit, Jessi and Benton need to access their local food bank regularly throughout the year to ensure they have enough to eat.

The Patels' monthly income: $4,447.96

$22,074.52 above the poverty line (annual after-tax low-income measure).




GST monthly: $11.37
Trillium monthly: $21.32
CCB + Ontario Child Benefit monthly: $429.27
Total monthly: $461.96

THE PATELS' MONTHLY expenses: $4,583.56

Does not include additional expenses such as clothing, out-of-pocket health expenses, recreational activities, furnishings, etc.


Estimated cost of a nutritious diet: $287.23


Two-bedroom basement apartment in downtown Toronto, close to childcare: $1,500.00 
Utilities: $45.00 
Total: $1,545.00


Total: $1,758.00

Phone and Internet

Cellphone: $65.00
Internet: $40.00
Total: $105.00


Car payment: $280.00
Gas: $120.00
Total: $400.00

Student Loans and RESP

Student Loans: $280.00
RESP payment: $208.33
Total: $488.33

End of the Month: $135.60 short

Facts & Figures

what can I do about it?

In a country as rich as ours, it is unacceptable that families cannot access and afford high-quality childcare. Add your voice to over 12,000 individuals, organizations, and government representatives who support Dignity for All’s comprehensive, rights-based anti-poverty plan. Together we can work towards a poverty-free Canada. 

Check out Dignity for All’s one-pager on Early Childhood Education and Care for more information.

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