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Expecting mother with cot

Pregnant? Mums share their real money tips

If you’re having a baby, the last thing you want to be worrying about is money. The best placed people to give you advice are those who have been through it themselves and can let you know all the little hacks and money-saving tricks that helped them.

Two such people who have gone through the financial impact of pregnancy are Emma and Hafsah.

Emma is 27 and had been preparing for the birth of her second child with her partner. Hafsah is 29 and was about to give birth to her first child with her husband. Both also want to be able to buy their own homes soon too.

We asked them for the tricks that made the real difference to them.

Real people, four real tips

1.Get the basics and borrow the rest

 Emma says “don’t buy items that you don’t need but are sometimes encouraged to buy, like a nappy bin, an expensive changing bag, a play mat or excessive amounts of baby mitts.

With our first baby, it was tempting to buy everything brand new, but we didn’t hesitate to accept help and borrow items where we could. For example, we borrowed a Moses basket and just bought a new mattress for it, which saved us around £80.

Don't fall in to the trap of feeling that your baby must be seen out in the latest Gucci one piece. It is a complete waste of money and babies will make mess and will ruin the items. ”

2. Make a budget

Hafsah says “one of the first things I did was make a list of what I needed, like a pushchair, DIY materials to decorate and bottles… When it added up to over £200 I realised I’d have to budget for it. And I wanted to have it all saved before the eight month mark as I knew I wouldn’t fancy shopping after that! Start the process early so you can spread the cost and make the most of any sales that are on.

You should also keep an eye on what you are spending. Maybe have a separate account for baby-related things to make it easier to track your spending when you get a statement.”

Emma adds “when looking for pushchairs, don’t feel you need to break the bank to buy a good quality one. With a budget of £350-£400 I bagged myself a pushchair; a car seat; an Isofix base and a rain cover. Test in shops and then buy online.”



3. Shop around for deals – and don’t be afraid of own-brand

Hafsah says “I checked out a lot of the big items in store, then searched online to get the best deals. My change bag had been £70 in the shop, but I ended up getting it for £20.

There are so many comparison sites out there which allow you to compare the price of things like pushchairs at different shops. It also flags if any retailers have any deals.”

Emma says “Make the most of buy one get one free offers on nappies and buy some in bigger sizes to avoid waste.

You can also give supermarket own brand nappies a try - I was a bit of a snob, but it turned out that the branded nappies didn't suit our little one and by switching to own brand we avoided accidents and saved a lot of money.”

4. Plan ahead too

Hafsah says “We’ve also started thinking about the cost of childcare now, as I want to make sure there is that security. We’ve had to dip into savings to pay for baby things but next year we will make sure we put £100 a month into a savings account. Long-term investment products are another thing we’ve considered.”

Emma adds “When weaning your baby, always cook large portions for yourself and your family, then freeze what you have left. Buy lots of little plastic freezer pots - they’re so handy and help you save lots of money.”

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