Close Close
Mother and Baby

Maternity Pay: Clever Ways To Survive On Less Money

Your new baby is the love of your life. But alas, your (rapidly emptying) bank account isn’t. So we’ve enlisted expert advice to help you cope with your dwindling income

Of course, if you qualify for Statutory Maternity Pay or Maternity Allowance it’s a Godsend. But, unfortunately your income will be substantially less despite the fact you’ve an extra mouth to feed plus you still have the same bills to pay.

So your lifestyle can become as tight and uncomfortable as a pair of size-too-small Spanx. But there are some easy ways you can save yourself loads of money to make life easier with a reduced income.

Pain free saving. Er, this exists? Yes, it actually does. Let’s take credit cards for instance. ‘Shop around for a cheaper balance transfer card,’ says Dan Plant from ‘You can save quite a bit on interest which means you’ll make a lower minimum payment each month.’

But if you’re able to pay your credit card bills back in full each month and have no debt, get a card that gives you a reward, like cash back. ‘There are certain cards that pay you money for spending,’ Dan tells us. ‘So say you spend £100, you might get a reward of 1.25 per cent in cash back.’

The catch? ‘If you want to make a profit,’ says Dan, ‘you must pay the full amount each month.’ Damn.

A cheaper mortgage

Speak to your mortgage broker about ways you can reduce your payments. Over to Dan. ‘There are things you can do like extending your mortgage term which will decrease your payments, but increase the length of time you’re paying it off,’ he says. Or you can move to interest-only mortgage payments, temporarily – but be aware that in future you’ll obviously have to pay more back.’

Lower gas/electricity bills

There are loads of comparison websites that will help you find the cheapest rates. And some providers will even pay you a reward for switching to them. Dan advises also registering with Cheap Energy Club (set up by as this remembers your current tariff and when cheaper ones are launched you’ll be notified. ‘It’s great if you’re time poor,’ he says.

If you can pay your credit card bills in full each month, get one that gives you a reward

Reduced mobile phone bill

‘If you’re near the end of your contract call your network provider and ask to be put through to the cancellations department,’ Dan tells us. ‘What they’ll do is transfer you to the customer retention department who’ll do all they can to keep you by offering you a better deal.’ Research the best deals on the market first so you know what’s out there.

Cheaper groceries

‘It’s best to do your grocery shop online because you’re less tempted by unnecessary things than if you’re pushing a trolley down the aisle,’ Dan says. Why not try a ‘downsizing’ challenge. For instance, if you always buy a premium brand of muesli, try getting the next cheapest brand. If you don’t notice the difference, don’t buy the expensive brand again.

Bargains on nappies, baby wipes, creams etc

Check out – it’ll tell you which places have offers (and if you can’t get to the store in person, you can order online). ‘Boots and Superdrug also have great offers and parenting clubs which offer discounts, as do Tesco, and Early Learning Centre to name a few,’ he adds.

He also suggests looking at Amazon Family – it costs £49 to be member but you get a free three-month trial and £10 off if you spend £50 or more. ‘You can join, use the discount, then end your membership (if you want to) before the free trial ends.’

Loyalty schemes

Tesco Club Card is the most popular loyalty scheme in the country. But Dan says the big mistake people make is spending their vouchers on food shopping only. ‘You can boost the value of your points – for instance, if you buy theme park tickets using your Tesco Club Card, you can get three or four times the value of the points you would if you use your card for just food. 

'They’ve now got a permanent new offer called Boost With Tesco – on departments such as baby and toddler, clothing and cookware – where you earn double the points.’

Happy saving!

Related content:


No comments have been made yet.

Chinese Gender predictor
Chinese Gender Predictor

Is it a boy or a girl? Tell our tool the month you concieved and how old you are and find out! 

Nappy rash is painful for parents as well as for your baby
Nappy rash is painful for parents as well as for your baby

Read Dr Pixie's guide to learn how to deal with nappy rash

The Magic Sleepsuit
The secret to a quiet night’s sleep – The Magic Sleepsuit

If you’re little one is struggling to settle now they’ve outgrown the swaddling stage, this could be the answer to your sleep-deprived prayers!

Celebrating parenting's small wins
Celebrating parenting's small wins

As mums, we're constantly told to enjoy every moment; in reality, parenting can sometimes be challenging. That's where small wins come in...

Subscribe to Mother&Baby

Be the best mum you can be and let Mother & Baby guide you along the way. Each issue is jam packed with REAL advice from mums just like you. Subscribe today & get a free welcome gift!

Ovulation Calculator
Ovulation calculator
Trying for a baby? Work out when you're most fertile to increase your chances of getting pregnant with our easy-to-use ovulation calculator.
Pregnant woman
Due Date Calculator

When is your baby due? If you’re having trouble remembering dates and counting up the days on your fingers and toes, don’t worry – use our due date calculator.

Get M&B in your inbox!

Sign up to Mother&Baby today and get news and advice about your body and your baby straight to your inbox every week. 

Lemonade Money
It’s time to make sure your loved ones are protected

Every parent knows the importance of planning ahead; from the new school shoes, to your little one’s education, you want to fill their future with hopes and dreams. Yet are you one of the 80% of adults here in the UK that has no life cover?