91热爆

We鈥檙e all feeling the squeeze due to the cost of living crisis. So finding ways to make your money go further - especially when you鈥檙e buying essentials for your kids like nappies, food and school uniforms - is a must. Luckily there are some practical things you can do to help your family finances.

Here are 9 tips for coping with the rising cost of living and a young family.

1. Work out your budget

The first step could be looking at your family finances and checking you have the money to pay all your bills and cover all your essentials. This can feel quite scary, especially if you鈥檙e going into debt each month, but there is help out there. Sue Anderson from StepChange says: 鈥淚f you鈥檙e struggling to see where savings might be possible, making a budget can be a great place to start. It鈥檒l allow you to see where your money is going each month, identify which bills are the most important and see where you could potentially cut back.鈥

If you鈥檝e not done a budget before,

A mum working out her finances with bills, laptop and a calculator.

2. Check which benefits you can claim

From universal credit to maternity and paternity pay, there are lots of benefits and entitlements available for families. And you may be eligible for benefits that you鈥檙e not currently claiming. Dennis Hussey from the Money Advice Service says: 鈥淚t's worth checking that you鈥檙e receiving everything you may be entitled to. You can also look for help with essential bills or search for charities who offer grants to cover the cost of white goods like washing machines.

And don鈥檛 miss out on child benefit, which will see you receive 拢21.80 a week for your child, and an extra 拢14.45 a week for any additional children. 鈥淵ou can claim if you鈥檙e responsible for bringing up a child who is under 16 or under 20 if they stay in approved education or training鈥, explains Sue. 鈥淥nly one person can claim child benefit for a child but there is no limit to how many children you can claim for.鈥

if you have children.

3. Save money on nappies

so the cost can quickly add up. It could be worth shopping around to get the best deal on your preferred brand.Or if you and your baby have less of a preference, then switching from branded nappies to supermarket-own could be a way to save.

Reusable nappies are also an option that could help you to cut costs in the long run if you can afford the initial spend, as well as having an environmental impact. Some local councils will give you either nappy vouchers or free nappies as part of a campaign encouraging parents to switch to reusables, so it鈥檚 worth asking your health visitor to see if your local council are running one of these schemes.

Reusable nappies hung on a washing line to dry.

4. Find new ways of cutting food costs and food waste

Looking for ways to cut the cost of your family鈥檚 weekly shop? is a free food sharing app used by over a million people in the UK. Users take photos of any leftover food - from loaves of bread to fresh fruit and veggies - and post a photo, along with where they鈥檙e based. You can then search for anyone giving away free food near you.

Another popular app is which is trying to reduce food waste by allowing shops and restaurants who sell off their leftover food rather than binning it. You can search in your local area for restaurants and stores taking part then order a bag of food at a reduced price. These could contain anything from tinned foods to sandwiches and pastries.

First suggested by Martin Lewis, you could try the switching from brands to supermarket own-brands, or down a level from standard to value ranges. If you find cheaper alternatives, you could save plenty on your weekly shop.

5. Identify your priority debts and seek advice

Dennis says: 鈥淚f you鈥檙e struggling with bills, identify your priority debts. These should be those that can cause more serious problems if you don鈥檛 do anything about them, such as rent, council tax and energy. Creditors, including landlords, councils and energy suppliers may offer extra support if you make them aware you are struggling. Communication is key to this. You could speak to a free debt advice service like where advisers can take you through your situation and work out the next steps.鈥

6. Look at your free childcare entitlements

Childcare costs parents up to 65% of their weekly take-home pay, according to So make sure you鈥檙e getting all the childcare help that is on offer.

which works out as 15 hours a week. Some families are eligible for more 鈥 - so make sure you鈥檙e claiming what you can.

Sue says: 鈥淵ou can get help paying for childcare if you鈥檙e using a registered childcare provider, which is known as 鈥榓pproved childcare鈥欌. Visit the website to check whether your child鈥檚 nursery, preschool or childminder is covered.

If you live in Wales, you could get

In Scotland, (this works out at around 30 hours a week of funded childcare in term time.) Some 2-year-olds are eligible too.

In in Northern Ireland, parents of 3 and 4-year-olds are entitled to at least 12.5 hours a week of funded preschool education and there are proposals to raise this to 22.5 hours per week in future.The Government鈥檚 is helpful to see what you might be eligible for.

A nursery worker with some toddlers on a play mat.

7. Consider changing how you cook family meals

With energy bills so high, we鈥檙e all looking for cheaper ways to make family meals. using a slow cooker or microwave uses less energy than your oven.

Check out our 91热爆 Food slow cooker recipes for low-energy cooking inspiration.

Batch cooking is another great way to make your money go further. Bulk buying ingredients generally works out cheaper and also means less impulse buys at the supermarket.

91热爆 Food's slow cooker sausage casserole.

8. Buy (and sell) second hand

From toys to winter coats, you can buy lots of things you need second hand and at a fraction of the price. Search local charity shops or look on community selling apps and auction sites. You can also sell things your child has grown out of or no longer plays with.

You could put the money you make from this into a Christmas fund to help with the extra costs of presents and food in December.

9. Check if your child is eligible for free school meals and school uniform grants

If your child is reaching school age, then looking into free school meals and uniform grants could be a huge financial help, especially with food costs soaring and parents of primary school children spending an average of 拢315 a year on school uniform..

Sue says: 鈥淭he process for applying for free school meals will vary depending on where you live. Enter your postcode on the website where you will be redirected to your local council to find out how to apply. Some local councils also offer school uniform grants to those on low incomes.鈥

Article published on the 21st October 2022.

As links to external organisations aren't run or maintained by the 91热爆 we can't guarantee their content 鈥 nor are we endorsing them as a product.

In case you missed it