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In Scotland, everyone gets free prescriptions and, unlike anywhere else in the UK, free eye tests. Pregnant women or women who've had a baby in the past 12 months also get free dental treatment with a valid maternity exemption certificate. In Wales, everyone gets free prescriptions.
Pregnant women or women who've had a baby in the past 12 months also get free NHS dental treatment with a maternity exemption card.
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To get one, ask your doctor, midwife or health visitor for form FW8W. Prescriptions are free for all. Pregnant women and women who've had a baby in the past 12 months can also get free Health Service HS dental treatment.
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Just get form HC11A from your GP, midwife or health care specialist to get a maternity exemption certificate. Designed to replace the childcare vouchers scheme, it was launched in April The scheme is designed so that for every 80p you put in, the state will add 20p — so it effectively gives you basic-rate tax back on what you pay, hence the scheme's name. Tax-Free Childcare are open to all qualifying parents, unlike childcare vouchers, which could only be bought by people whose employer offers the scheme.
If you're about to add to your family, make sure you've made a will. Everyone with any assets such as savings or a house, and loved ones they'd like to look after, should consider making one. It's well worth tackling as soon as possible, both for your baby and for your peace of mind. A will has three main functions:. It names your executors.
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These are the people you choose to sort out your finances after you've gone. It shares out your estate. A will lets you state where everything you own will go, from property to pets. It helps sort out inheritance tax. If you die without a will, strict rules mean your assets may not go where you want them to. If you haven't planned for it, inheritance tax may take a hefty, unexpected chunk. Don't leave a financial nightmare for your family. Even if you've already got a will, make sure it's current. Solicitor-drafted wills can be cheap or free to make or amend. Setting aside a little time for yourself can pay dividends, so try to give each other time off.
We have a routine where every Saturday I get up early with our daughter. We sit in the kitchen batch-cooking food for the week while mum has a lie in. So I bought one item, she bought another bouncing cradle and door bouncer. We just swap when we fancy a change! I would narrate to her what I was doing or show her interesting things, but she was enthralled just watching me.
Take it all with a pinch of salt. Stick with how you feel and what suits your baby and partner best. If you've a new baby on the way, or other kids under 18, make sure you discuss with your partner and family who'd look after them if you're unable to. Don't put it off — making plans and provisions now will help to ensure they're safe and cared for if the worst happens. When you discuss it, first make sure those you've asked are prepared to do it, as it's a big commitment. But if, further down the line, they become unable to look after them, or if they refused, a court would appoint a suitable guardian instead.
Some parents find money is very tight when a little'un arrives.
If you're struggling to pay bills, some banks offer mortgage payment 'holidays', when you take a break from all or part of your monthly payments for a fixed period, usually a few months. While this may sound tempting, it's important to understand that though you won't have to pay anything for the duration, you'll still be racking up additional interest on your mortgage each month. So the total amount you'll eventually have to pay off will increase — and your mortgage will take longer to clear as a result. If you have savings which can see you through your maternity leave, you'll likely be better off using these rather than increasing the amount you owe on your mortgage.
It's also worth noting you can't keep taking payment holidays as most lenders only allow you to do this once. Not all banks allow payment holidays on all mortgages, so you'll need to contact your bank to find out if it offers them, and whether you're eligible to take one. It also compares baby wipes. Bum Deal estimates you'll use more than 4, nappies in your baby's first two years.
Your baby isn't a brand snob. They just want clean, comfortable and safe clothing, not the latest labels and trends. So don't be tempted to splash out on designer gear. They'll soon reach their teens and demand expensive goods, so save the cash for later you'll need it!
Similarly, while many want to splash out on a present to celebrate their baby's first birthday, they're at the golden age where pulling a silly face gets a giggle. Enjoy it while it lasts. If you've worked for the same company for longer than six months and take time off work when your baby's born, your employer's responsible for paying you at least a minimum level of salary. How much will I get? How long will I get it for?
Statutory maternity pay is for if you're pregnant and employed adoption pay has similar rules for those adopting. You'll be paid for up to 39 weeks whilst you're on leave. Do I qualify? How do I get it? Payments are made via your employer, so speak to your manager or human resources department. You'll need to give your employer proof of pregnancy in the form of a letter from your doctor or midwife, or a MatB1 maternity certificate.
See the Gov. OK, for many reading this guide it may be a bit late for a pregnancy test For a stick you wee on, pregnancy tests can be surprisingly pricey.
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The Family Planning Association told us: "All the brands on the high street, including cheaper own brands, are extremely accurate. Just because a test is from a pound shop doesn't make it less reliable. The most important thing is for women to make sure they can understand the instructions and what they're supposed to do with the test to make it work.
Caring for a new baby can leave you utterly worn out. Don't be afraid to ask for extra help from family and friends — whether it's doing the washing up or taking the baby out for the afternoon. When people come round to visit the baby, have tea, coffee, sugar, mugs and milk ready — ask them to make refreshments. I remember a group of friends from work coming round, chatting while I ran round making drinks.
All niceties of being a host go out the window after little sleep, sore nipples and stitches! For professional help, health visitors are registered nurses or midwives who are trained to carry out home visits. In England, all expecting parents and families with children under five have a named NHS health visitor. Make sure you've got their contact details in case you need them — your GP or local Children's Centre will be able to put you in touch. While your health visitor should be able to help with any questions you've got, some report problems with missed appointments.