Welcome to the Mum to Be Club. This special section of The Mums Guide to Money is dedicated to money matters for the Mum to be.
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In this series, we look at New Year’s Financial Resolutions and get you free of Christmas debt.
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Maternity leave can be a tremendous financial strain, especially if you are only entitled to Statutory Maternity Pay (SMP) or Maternity Allowance (MA). Knowing how to earn extra money on maternity leave could be a game-changer for you. This could mean the difference between the maternity leave you can afford, and the maternity leave you want. SMP…
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Maternity Leave when self employed… Self-employed Mums, unfortunately, don’t qualify for Maternity Pay. However, Maternity Leave when you are self-employed is your decision. It’s up to you to decide whether your business carries on (and how it happens). Maternity Pay is restricted to Mums who are employed. The payment of Maternity Pay is a contractual…
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How to save money on kids clothes Are you grappling with the constant challenge of how to spend less on kids clothes? Are you fed up with the mountain of outgrown, hardly worn items currently cluttering up your spare room? The secret is you need a clothes plan for your kids. I’ve written in other…
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Maternity Leave and Maternity Pay in the UK can be confusing to get your head around. SMP, OML, and AML – what on earth do they all mean? The UK has one of the longest periods of paid maternity leave in the world. BUT we have one the world’s worst paid maternity leaves. Mums who do not qualify for…
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Hair and beauty product addicts rejoice! Here are my top 5 tips to save money on hair and beauty products. Makeup, skincare, body lotions, shampoo, conditioner, hand creams you name it, I used to buy it. A recent survey suggests that over 70% of British women over the age of 30 spend more than £50…
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How to save money with groceries… Grocery shopping accounts for one of our biggest outgoings behind childcare and our mortgage. I regularly like to challenge myself to save money on grocery shopping. It is very easy to stockpile our cupboards and not keep on top of using those store cupboard ingredients. 1. Organise your cupboards…
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Traditionally, the first of my New Year’s resolutions tend to be ‘how do I spend less on clothes’? January tends to be a ‘sort things out’ kind of month for me. The first thing I tend to find myself pouring over is my wardrobe. I find myself trying to organise, sort, get rid of things…
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Now you have a solid plan to reduce your Christmas Debt, its time to think about ways to avoid the same situation. In other words, how can you have a debt-free Christmas in 2021? 1. Plan early Lots of people have the mindset that it is wrong to think about Christmas early. They think that…
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The point of this part of the process is to work out how to reduce the cost of your debt. That means you can then pay off your debt as quickly as possible with as minimal cost. This isn’t just about doing a balance transfer to a lower rate and getting on with spending more!…
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Now that you have got yourself into the mindset of dealing with your Christmas Debt, it is time to work out how to pay off your debt as quickly as possible. Credit card debt is expensive, it has high-interest charges which mean that you need to get the amount you have borrowed, paid off as…
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