Just Grate

I did something new this year for the first time. I used the Flexible Spending Account (FSA) for health care, and also dependent care. I have run into a major snag. The dependent care FSA does not work like the health care. The big difference is you can only spend up to the amount you have currently contributed. My problem is all my daycare expense comes in the summer while the kids are out of school. I may not be able to use it for 1/2 or more of my daycare expenses.