As an unhappy former user of a childminder I admit that I'm probably now negatively biased. I won't go into the details but I had a disagreement with my cm resulting in me having to give notice see this thread for more details if interested. www.mumsnet.com/Talk?topicid=2300&threadid=393964#8017740
I gave a month's notice and brought ds to her for a couple of days at the beginning of the month as I'd already paid her but was so upset by her behaviour towards me on both occasions (refusal to speak to me) that I decided not to use her again - despite having paid her for the month.
In my time with my cm I did forget to pay her a couple of times but only because she INSISTED on being paid in cash on a weekly basis and I basically have so much going on each week I just plain forgot a couple of times. I wanted to pay her by direct debit on a monthly basis in advance so that I could also use vouchers as part payment as this was much easier for me but had to persuade her over a long period of time as well as offering to pay her £200 as a one-off payment for the 'inconvenience' of filling in a few forms and setting up the DD.
I also paid her for 4 days a week for a year when I only used 3 days most weeks as I wanted the flexibility of which days I used her and also paid 8-6.30pm but except for 1-2 times in the 2 years ds went 8.15-6pm. She was thus was overpaid by 45mins almost every day for the whole time I she had ds yet on the 2 occasions I turned up at 7.55am it was made very clear to me that I only paid from 8am !!
I thought we had quite a good relationship at the time but as my thread link shows she put our entire family in an incredibly difficult situation by her behaviour.
As all my holidays for the year were gone (bar 1-2 days) I had to take unpaid leave to look for alternative care. I eventually found a nursery I liked but it don't have the hours available I needed so I was forced to take more unpaid leave between now and xmas to cover this as well.
I had paid her a month in advance and was unable to use her as she was so unpleasant to me after I gave notice and I was worried what she would be like with ds. On top of this I also had to pay a month of nursery fees at the same time as I took my unpaid leave. That financial hit to us just before xmas is I feel is more than enough pay back for the couple of occasions I paid my cm a day late.
The very worst thing was her refusal to say goodbye to ds and to tell the other cildren why he was leaving and have a 'goodbye' tea or party as she usually did with other children who left. Ds was absolutely devasted and it took almost 2 months for him to stop crying and clinging every time I left the room.
Obviously he had attached to cm (he was her from 9 month old - 3 yers old) and the abrupt ending to their relationship (her choice not mine as I wanted him to go to her a few times during the notice period and for her and I to manage the seperation in a gentle way) was borderline emotional abuse on her part as far as I am concerned.
I personally would never use a cm again as I would never want to be in the situation she placed me and particularly my ds in again.
As for being well off or not, my childminder lives in a nice 3 bedroom house with a garden and had a reasonably nice car. I live in a poky 2 bedroom flat and drive a nissan micra. We certainly don't have more money than she has - that is for certain!