At a glance

Juggling money and a family needn’t be all pain, no gain - with a bit of forethought, you can plan effectively to manage your financial future.

Dos and don’ts for every family

	Do claim all your benefits
	Do teach your children the value of money
	Do get support if you need it
	Do know the cost of childcare
	Do talk to your partner about money
	Do save for the short and long term
	Do prioritise your spending
	Do review your household bills each year and switch to a cheaper supplier, if available
	Do work out your budget

	Don't waste money on expensive goods for your kids when you can get them discounted or second hand
	Don't spend more than you need to on your living expenses, like gas and electricity
	Don't isolate yourself. Make an effort to socialise with other parents
	Don't ignore debt
	Don't wait until you are breaking up to discuss money issues with your partner
	Don't be afraid to ask for help
	Don't wait until you’re 60 before thinking about your pension
	Don't give into nagging kids
	Don't be brand conscious
	Don't let a breakup leave you both struggling with money issues