Tag: money

finances and laptop for maternity pay

Managing Maternity Pay: Making Ends Meet on Less Money 

Posted on by Emma Reed
*Collaborative Post

Your new baby is a fantastic new arrival in your life. When your youngster arrives, you can expect plenty of new experiences and love to come your way. Unfortunately, you might also notice a rapidly emptying bank account too. If you’re worried about coping with the dwindling income you’ll have during maternity leave, you’re not alone.

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3 Things You Never Knew You Needed to Tell HMRC About (And Why It’ll Make Your Life Easier if You Do)

Posted on by Emma Reed
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Sometimes, it can feel like it’s all we can do just to get by in our day to day lives. The cost of living is rising with inflation but our wages are not rising to meet them. In an era where public sector workers have experienced years of pay freezes and workers in a range of industries experience the longest sustained period of wage repression since records began, it’s little wonder that many working parents turn to a range of side hustles to supplement their income. After all, why shouldn’t we make a little more money so that we can save for our kids’ futures and do our best to improve their quality of life? But while this entrepreneurial spirit is admirable, it can come with severe consequences if we don’t declare this additional income to HMRC rendering it all for nought.

Continue reading “3 Things You Never Knew You Needed to Tell HMRC About (And Why It’ll Make Your Life Easier if You Do)” →
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3 Simple Ways To Save For Your Kid’s Future

Posted on by Emma Reed
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Things are a lot harder for young people than they were for you when you were their age. They’re struggling to afford housing and high rents make it difficult to save any money. That means that when your kids are a bit older, they might need a helping hand. If you want them to have the same opportunities that you had, you should start saving a bit of money for their future. When you’re trying to deal with all of the expenses that come with raising a family, the idea of saving money might seem out of your reach, but it isn’t’. These are some of the best ways to save for your kid’s future.

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Nine Ways to Make the Most Out Of Your Small Indoor Space On a Budget

Posted on by Emma Reed
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If you have limited space in your home, you might want to make the most out of every square inch and use clever solutions to maximize the available room. From redesigning individual rooms to making the most out of your living environment and building a balcony room, sunroom, or conservatory, there are several ways of enhancing your life on a budget. Below you will find nine ways to make the most out of your small indoor space on a budget…

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4 Reasons Why Saving Just Isn’t Enough For Most Families

Posted on by Emma Reed
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Let me dispel a misconception that may be causing you to lose sleep some nights… You are not bad with money. You are not irresponsible. You are not a bad parent because your credit rating is less than stellar and despite appearances to the contrary, you are far from alone. As living costs skyrocket the cost of raising a child is becoming increasingly untenable even for double income households with relatively well-paid jobs. In fact, at last count, the cost of raising a child to the age of 21 was close to a quarter of a million pounds. That’s a lot of anyone’s money. When you were growing up, your parents probably extolled the virtues of saving. While don’t get me wrong, saving is an important step in managing your household finances but given how heavily the financial deck is stacked against parents today, it’s rarely sufficient on its own in this day and age…  

Continue reading “4 Reasons Why Saving Just Isn’t Enough For Most Families” →
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making financial changes as your family grows

How To Make Beneficial Financial Changes When Your Family Grows

Posted on by Emma Reed
*Collaborative Post

With a second child on the way, I need to turn my financial brain on and make some savvy frugal changes. There are large changes that most of us have to make when we become parents, such as reducing large treats that we may never have batted an eyelid at in the past. I have previously given you my money saving top tips for stay at home parents but now it is time for me to be a little more clever in order to make a few extra pounds and to save a few more.

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Money Saving Tips for The Stay at Home Parent

Posted on by Emma Reed

Not returning to work…

When we made the decision that I wouldn’t return to work it wasn’t taken lightly. We understood that by cutting out a wage we would need to make changes to our lifestyle but we knew that having a parent at home was what we wanted for our child. When we began to calculate costs we actually discovered that if I went back to work after maternity leave I would be doing it to pay for childcare. Due to my career change, I had already dropped my yearly income quite considerably and my new wages would have only

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