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Hi Lucy – the best thing to do is give us a ring and ask for our Welfare Benefits team in Nottingham.
Having a child is supposed to be one of the biggest life-changing events that can happen to you. She enjoys spending time with her two children, fundraising for charities, has spent time volunteering in Africa and takes part in organised races. They’re great with all aspects of benefits and tax credits and will be able to help you. Hormonal ups and downs are to blame for feelings of excitement, anxiety, nervousness, elation and being just plain scared, to name a few! Will my creditors be happy for me to take a ‘payment-break’ for 1 month while this is sorted? Add to that any money worries and it’s no wonder that mums-to-be can often break down for no reason whatsoever (I tell my husband time and time again that crying in pregnancy is normal!).
With all the changes that come with welcoming a new arrival, it’s obvious that finances play a massive part in the preparation. Almost two thirds of parents that came to us for help last year cited pregnancy as the reason for their debt problem. But we don’t live in an ideal world and for some people pregnancies come as a surprise (hopefully a pleasant one!).
Are there ways you can cut back on spending so that you can put a bit away every month?  Can you plan a bit of overtime in the second trimester when you’re supposed to be blooming and full of energy? This information should be available in your HR policy but if you’re unsure,  speak to a HR advisor in confidence. Work out how much you will receive and how long for, to help you assess how long you can take off work.


To qualify for Statutory Maternity Pay you must have been employed by the same employer for at least 26 weeks continuously into the 15th week before the baby is due and have average earnings of at least ?107 per week.
If you’re self-employed or you’re not eligible for SMP you should get maternity allowance (which is paid at the same rate of ?135.45 per week or 90% of your average weekly earnings – whichever is less).
There are two types of Statutory Paternity Pay  (Ordinary and Additional)  usually paid to the father of the child. Finally, there is working tax credit which has a disability element included in the award and there are no other children under the age of 16. You may be entitled to child tax credits and other non-child related benefits such as housing and council tax benefit. Or you could be fine for the moment but worried about how you’ll manage further down the line. If you’ve always managed your debts in the past, your creditors may not think you need help right now but t’s never too early to start preparing your finances; get some free and impartial debt advice now so you can start to think about how you will manage. With everyone asking you about your purchases on top of those ‘nesting’ hormones it’s easy to think that you need everything ready in matching colour schemes months before the baby is even due.
Don’t let the pressure get on top of you and plan to buy your bigger items across the nine months. Don’t get caught up thinking that your baby needs everything straightaway; think sensibly about how you can save money and consider your options seriously before parting with your cash. And if you’re planning to breastfeed is there any need to buy the bumper pack with the steriliser, bottles etc now? Remember you won’t be locked away when the baby is born and you can always ask someone to get something for you if it’s needed urgently.
I know that women have been giving birth for centuries before us, but I just can’t imagine life without the internet right now!


They have a free app which gives you a daily update as well as free guides and reviews and much more on their website.
They also have a busy forum so if you’ve got a question the chances are it’s already been asked or someone on there will definitely know the answer – great for asking opinions and experiences before shelling out on expensive items. There are lots of other websites with valuable information too – I just mention babycentre as it’s the one I’ve relied on the most so far.
Here’s an example of a forum thread I’ve come across with lots of moneysaving ideas – from using Freecycle for second hand goods to tips about reusable nappies! If like me you haven’t even finished for maternity leave yet this is probably the last thing on your mind. Is there an option to return part time or, from a financial point of view, is it worth returning at all?
Having a baby is a happy time and it’s vital that you look after the health and wellbeing of you and your baby before anything else. Money can be a major factor and we hear from many people that delay having children for this reason alone. Don’t let money worries get the better of you and remember that there’s very little that a baby actually needs – a healthy and happy upbringing far outweighs having the latest gadgets and gizmos but a mother deep in debt.



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