I know many childminders who DO do odd bits of supermarket shopping with the mindees and if it's educational, I don't see a problem with it (I haven't done it for a VERY VERY long time as had so many so young for a while that I just couldn't stand the thought of a supermarket with a triple buggy + sling or whatever lol). I do know a childminder who does her weekly shop with them but the parents are fully aware and fine with that. I personally think a Christmas shop with them was a very bad idea and not on really, even a weekly shop isn't on (imo) if the parents aren't aware of this. As for the road conditions, that's even worse. On Monday I only had 1 mindee (rest sick) so would have been a perfect opportunity to pop to the shops for a few Christmas craft bits (I wanted to get them to make decorations) but I 'risk assessed' (in my head as it was pretty obvious) and decided the roads weren't worth the risk so we didn't go.
My DH sometimes stays with the children/collects from school etc.....he's a registered assistant though AND I have written permission from all the parents. Unless they are registered, that's against the rules. Once I went to the park, got them all back to my house then realised I'd left something important. Dh offered to stay with the kids whilst I ran round the corner (back in my first year of cming) and I had to explain that even for a couple of minutes he wasn't allowed. So I dragged them back and just left our kids with him.
Coats on outside isn't too bad in itself (I don't do this but I know some parents who like it this way as means they get home quicker, one of my mindees tends to leave at 6.20pm when I finish at 6pm) as they may have put them on at 6pm to be helpful and then thought they were too hot in the house after a while so more comfortable outside (as they were in OUTDOOR wear). HOWEVER, it sounds like she was off? and if so, it's THAT I would find odd. I have one who used to be 5-10 mins late EVERY time and on a Friday night that gets really annoying. However I had one mum who was 3 hours late (9pm instead of 6pm) once due to flooding and I didn't find that annoying, I felt sad for her as she wanted to get back for her baby! I didn't charge and was very reassuring. If you are normally early, she should be nice about it. Sometimes if I have to rush off straight after they arrive, I have them ready (although rare) but as I rush them out, I'm very polite and explain why and I always end it with 'I wouldn't want you to think I'm being rude, I just can't be late' - they all know me well enough to know I'm not like that anyway.
The hourly rate imo is fine. I'm in SE and charge £4.30ph (£5ph before 8am and after 6pm and also for under 8 hours care in a day) although I can't believe it's morally correct to charge whilst they're at school. Yes, you sign to her terms and yes, it's up to her but if they are at school ALL DAY M-F then she shouldn't charge as they are not taking a space anyone else could use as that child would be in the over 5s ratio! I always charge all day if they're at pre-school or nursery but that's pretty standard as taking up a space.
DMO - you are BONKERS hun!!! My local holiday schemes charge a lot less too but I'm a totally different provider and offer something my parents would prefer than holiday clubs (some tried as needed to save money but then went back on my waiting list as didn't like them!). I charge my usual hourly rate so from 7.30 - 6 (you mentioned), I'd charge £46.50 - no chance I'm lowering it, it's my bonus income plus I spend a lot on taking them all out for day trips and so NEED this extra money. My rate is all inclusive so they don't pay ANYTHING on top.