Baby checklist: 5. Babies are as costly as they are cute. Your wallet starts to take the hit even before they arrive, so prepare your finances as early as possible. We've 5. 7 tips 'n' tricks to help you save cash, whether you're expecting a new baby, have a newborn, or have tots in tow already. Money. Saving tips, including.. Protect your family's income. We know it's not something you want to think about as you welcome a new baby, but life insurance comes top of this list – and for good reason. Sadly, one child in 3. Level term life insurance pays out a set amount if you die within a fixed term. It's the simplest type of life insurance – it's based on two key factors. Term. The payout you get doesn't vary. It's always at a set amount regardless of when you die during the term, eg, . But it's very easy to pay . The Original Baby Bullet.Hospitals and maternity units set a powerful example for new mothers. The Baby-Friendly Hospital Initiative ( BFHI), launched in 1991, is an effort by UNICEF and the. Baby Touch by Burberry is a Citrus Gourmand fragrance for women and men. Baby Touch was launched in 2002. The nose behind this fragrance is Michel Girard. A round-up of names from birth announcements announced in British newspapers in the last two weeks. Sources include a national paper (The Telegraph) and a broad range. Gendercide The worldwide war on baby girls Technology, declining fertility and ancient prejudice are combining to unbalance societies Mar 4th 2010 What Every Consumer Should Know About Foods and Flavors; 4 Medication Safety Tips for Older Adults; FDA: Cutting-Edge Technology Sheds Light on. Opinion Matt Davies' latest cartoon: Hourglass See Matt Davies' latest Newsday cartoon by clicking above. Editorial Editorial: LI's high cost of. WASHINGTON — As Congress prepares to debate expansion of drilling in taxpayer-owned coastal waters, the Interior Department agency that collects oil and. We've a step- by- step guide to help you work out if life insurance is right for you with, with key dos and don'ts and tips for getting it the cheapest way. See Cheap Life Insurance for full help. Ensure you're getting child tax credit. Fisher-Price toys are ready to launch little ones into a world of creative play with educational toys for babies, toddlers and kids. Explore the collection of baby. Boikos, C, De Serres G, Lands LC, et al. Safety of Live-Attenuated Influenza Vaccination in Cystic Fibrosis. Tax credits are payouts made regularly into your bank account from the state to support you if you've kids, or if you work but have a low income. How much you'll get will vary widely, depending on your circumstances, but this could potentially mean . There are two types, and you can be eligible for none, one or both: Child tax credits. Anyone with children, whether working or not, could be eligible Working tax credits. Anyone who works, whether they've got kids or not, could be eligible. You'll need to renew every year. Always tell the tax office if your circumstances change to avoid overpayment hell. Check what you're entitled to. Find info on how to check your entitlement, how to renew your claim, and frequently asked questions in the full Tax Credits guide. Buy neutral baby clothes if you plan to have more. Many splash out on a raft of traditional pink togs and accessories as soon as they find out they're having a girl – or blue for a boy. But if you plan to have more kids, invest in more gender- neutral colours like green, white or yellow. Then you can reuse them for any more new arrivals. Urgently check if your car seat's safe. Several big high street stores that sell baby car seats offer to fit them for free, a huge draw for new parents worried about getting it right. Yet beware – shockingly, a 2. Which? So be very careful when fitting your baby's car seat, and read the instructions fully. Fail to comply with car seat safety rules and you can be hit by a fine of up to . You can find the rules for car seats on the Gov. Which? One forumite's tip: Practise fastening car seat straps using a teddy or doll as a substitute, and practise putting the seat in the car a few times. It'll help familiarise you with what's required and stop a moment of panic in the hospital car park on the way home! Urgently check childcare tax credit – don't miss out on . You can usually claim it for children up to age 1. Ofsted or equivalent) childcare. Did you know? Just make sure you only take them up on the good ones! Early Learning Centre's Birthday Club Open to parents of kids aged one to five, its Big Birthday Club* is free to join. Sign up online or in store and you'll get a 2. Boots Parenting Club Sign up to the Boots* parenting club for offers, free mags aimed at your child's age group, and 1. Advantage points for every . These are hugely popular with Money. Savers, with discounts on items such as nappies, baby wipes, walkers and safety gates. Supermarket baby clubs. Big supermarkets have online baby and toddler clubs which send money- off coupons and free samples to members. To join, just sign up online on the Tesco* and Asda baby club sites. Sainsbury's often has discounts on baby products on its website too. My Mothercare. Register with My Mothercare for discount vouchers and sneak previews of their sales. Plus, when your baby's birthday comes around, you'll also get 2. Emma's Diary. Join Emma's Diary and get Argos money- off vouchers and a . It's aimed at parents, though is open to all. Members get monthly discounts and 2. So you can sign up, grab the discount, then diarise to cancel. Make sure you do, or it'll automatically take . Tots judge gifts on fun factor, not cost. It's often said tots spend more time playing with the wrapping than the present itself. When Martin mentioned this on his TV show, he was inundated with people tweeting and emailing photos of their young children having great fun with cardboard boxes they'd been given for Christmas. See Martin's blog for the pics. Many will want to buy a present for their baby's first birthday, but you don't need to spend a fortune on a gift to make them happy. Young kids judge presents by how much fun they have with 'em, not the price tag. To help, we've compiled a huge list of tried- and- tested gift ideas for under . They're sure to put smiles on kids' faces. New 'Tinder for mum- friends' app. Want to meet local parents of similar- age kids for support and playdates without stumping up for costly classes? A new, free Tinder- style app, Mush, allows mums to do just that. To be clear, this is a nookie- free zone – it isn't a dating app. But, like Tinder, Mush lets you browse through profiles to select potential pals with similar interests. Mush says 4. 0% of its users are in London, with the rest dotted around the UK. MSE Jenny says: I moved to a new area last month and was a bit worried about being a Billy No- Mates. I downloaded Mush and have already met a lovely mum with a little boy my daughter's age, only 1. How to sign up. Just download the app from Apple's i. OS App Store or Google Play Store. Connect the app to your Facebook and add your kids' ages. Select a few interests such as 'nature- lover' or 'bake- off queen'. Then you can browse other mums' profiles and message them to say hi. Mush recommends that you always meet other mums in public places the first time. What NOT to buy – don't get what you don't need. While promotions might be tempting, try not to go overboard. When out shopping, ask yourself if you really need those tiny Ugg boots, a 'wipes warmer' (seriously) or baby hammock. After all, babies want cuddles, not luxury outfits. If it's your first pregnancy, you'll probably be a bit overwhelmed thinking about what stuff you might need. But if you're not careful, you could end up buying a whole load of gear you'll never use, before the wee one's even born. To help put together your 'what I need' list, the NHS site has a handy list of recommended essentials, from bootees to bedding, car seats and cots. If you need some advice on what baby items to steer clear of, check the Products you DON'T need thread in our forum. Here are some of the items on their 'don't buy' lists. Nappy bins. If it's particularly stinky, just double- bag it. Much better with a blanket and a few toys on the floor. Addition of a portable changing mat did the job. If your tot's nappy bills are more expensive (and more frequent) than Lady Gaga's costume changes, it's time to get tough. Whether reusables or disposables, it's possible to make big savings. See the Cheap Nappies discussion to read others' feedback and add yours. Reusables. These can be much cheaper. Don't think old- fashioned cloth – their look and operation are surprisingly modern (see the picture to the right). How many? But as a very rough guide, you'll need about 2. The savings can be big. Cloth nappy information service Go Real estimates that parents could save anything between . So for a larger family, the savings can really mount up. The only difference is bits of them are washed rather than chucked. There are several types available, so it's worth trying a few. Yes – that's totally a thing. There is a network of volunteers who love cloth nappies so much they are willing to meet with you and explain their benefits. Many of these centres will also lend nappies for free. For more see Go. Real or the Great British Nappy Hunt site. A nifty nappy comparison site shows the cost of your nappies at major online supermarkets and other retailers. See Bum Deal below. Be a nappy tart. Companies offer money off and freebies for new mums in the hope they'll get hooked on their brand, so try 'em all (see extra discounts). Plus GP surgeries may give starter packs. Check whether they're available at yours. Buy- one- get- one- free deals are a great way to save on consumables that don't go off and you use regularly. When you see these offers, it's a good idea to stock up. Yet beware.. If bulk- buying nappies, avoid too big a stockpile – growth spurts mean your baby may not use them all. Downshift your nappies. Shops' own- brand nappies are much cheaper than some other well- known brands. The price difference can run into the . Of course, your baby's botty has no adverse reaction to shifting brands, though. Check who has 'parental responsibility'If you die, responsibility for your kids goes to anyone with 'parental responsibility'. Mothers automatically have this. Fathers usually have parental responsibility if they're married to the mother, but it depends on where the birth is registered. Here's a breakdown: England and Wales. Unmarried fathers of children born after 1 Dec 2. Unmarried dads of children born after 4 May 2. Unmarried dads of children born after 1. April 2. 00. 2 also have it, if their name's on the birth certificate. The mother needs to agree to this, and you need to be connected to the child, eg, as their father or step- parent. Fill out the forms, then take them to your local county court. You'll need the child's birth certificate and proof of your ID. If you want parental responsibility but the mother doesn't agree, you need to apply for a court order. This is a complex area. There's a full guide to parental responsibility on Gov. If you die without a will and there is no one else with parental responsibility, the courts decide who looks after your child. See Arrange who'd look after them. Don't assume Amazon's cheapest though – compare first.
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