
Having a baby can damage your wallet! Here are our 20 top tips for saving money.
We all know that having children can be very expensive, but did you know that from birth to the age of 21 costs around £190,000. But don’t panic just yet, reducing your out-goings doesn’t have to mean not having fun! It does come as a shock, but really it can be much easier than you might think; small changes on things you do all the time, i.e. going from two takeaways a week to one, can save you £300 a year.
The place to start is to be honest and write down your spending impulses and to make sure you cant spend what you can’t afford. Yet it’s all about asking yourself the right questions. For example: “Could we start making our own sandwiches to work? Do we really need another takeaway, why not make it yourself? Do we need all the Sky channels? Could I get a second job, maybe work from home? It’s all about common sense and having a plan and sticking to it. What a better time to start then now, fresh into 2009.
To help you on your way, here are our 20 top tips:
1. Find out if your employer offers childcare vouchers, if so then grab them! The cost is taken out of your salary, but before tax and national insurance are deducted, so you get £140 worth of vouchers for just £100. You can use them to pay for up to £243 of childcare per month. Both you and your partner can claim.
2. Lunch for work. Instead of buying those overpriced sandwiches, salads and pasta dishes why not have a go and make your own lunch? A M&S chicken and pasta salad costs £3.99, but with a small amount of time in the kitchen, it can easily be made for around £1. If you want to go the M&S route then expect to pay around £918 a year, whereas the home-cooked option will only cost about £230. A big saving of £688 a year!
3. Ditch the gym! They love this time of year, gyms see their numbers increase in January, only for most people to fail and give up by February. But for some can end up paying the full annual membership fee - A mind blowing average £700! Why not try a Nintendo Wii Fit, which has wide a range of sport, exercise even great yoga moves. Costs around £250 for the whole package and lets you exercise in the privacy of your own home. More information on the Wii Fit

The Nintendo Wii Fit
4. Borrow hand-me-downs. Don’t shell out for outfits that will be outgrown in weeks. Most people throw away out grown baby wear so grab them fast. Most parents I know are pleased that it’s all going to a good home rather then to waste.
5. With all the many baby lotions and potions out there, there is no need to go over board. Babies have sensitive skin, so plain water is all that you need.
6. Don’t buy anything you find online without first visiting our site at: Littleoffers.co.uk – a comprehensive list of baby discount products to save you money on your baby shopping.
7. Don’t forget to sign up for tax credits – we are all entitled to child tax credit and, if you work as well, you may get working tax credits and help with childcare costs. View more information at taxcredits.inlandrevenue.gov.uk.
8. A booster seat that fits on to a normal dining chair can be a far cheaper alternative to a buying a highchair.
9. If you have a high phone bill, join Skype. A great bit of kit that lets you talk via your computer to anyone in the world, totally free! skype.com.
10. Go ahead. Try cooking up your own baby food? One carrot, home-cooked and puréed, costs about 6p. Works out the same as 1 jar of ready-made carrot purée at 55p from your supermarket.
12. Save a massive amount of money on baby wipes by only using them when you’re out and about. At home, why not clean your baby’s bottom with cotton wool and water like you did from birth. Can be even better then wipes as I know some baby wipes are mostly dry before you have to dig to the bottom for the wet ones!
13. Instead of buying a group 0 infant carrier, which will last till your baby’s nine months, why not choose a group 0+/1 car seat great from birth to four years. It can be less portable than an infant carrier, but you’ll get your money’s worth.
14. Reusable nappies can cost around half the amount then using disposables nappies. Your local council sometime will offer you an incentive payment to encourage you to buy them. It’s worth checking out your council website of pop in for more information. You could save a lot of money. A friend of ours applied and saved a fortune. Can be a pain but worth it for saving money.
15. Baby and toddler activities can hurt your wallet! But they are available for next to nothing! Why not ask your health visitor about mum groups, and look up your local SureStart children’s centre (surestart.gov.uk), there are toddler groups held in church halls and the local library for free story sessions.
16. Don’t forget to sign up to all those email newsletters from online baby stores. You get to hear about promotions and sale discounts before everyone will. My advice is to create a new email account just for the sign up. Good to keep your personal/work emails separate. A good one is Google Mail, it’s free.
17. Charity shops are fantastic for those used toys and clothes. May not be your cup of tea, but it wont hurt you looking, you might be surprised at the prices.
18. Why not use those supermarket’s budget range. Really the only difference between a value product and its pricier alternative is the creative packaging. In some cases most of the money does go on packaging!
19. You might not like this one, but why not buy newborn clothes and most baby gear in neutral colours, so that you can use it all again for baby number two or three .
20. Go ahead and do join every parenting club you hear and know about. Most big supermarkets have them, along with Boots, Huggies, Pampers. Then sit back and wait for those money-off vouchers to arrive to your home. Make a start and Google parenting clubs.