June 27, 2024
Preparing Your Savings for a Baby: How Much Does it Cost?
Table of contents
Key Features to Look for in an
Investment App for Beginners in the UK
Investment App for Beginners in the UK
Introduction
Helping you make one of the most important personal decisions in your life
How much should you save up for a baby?
Introduction
It is an incredibly exciting milestone to be planning for a baby in the family, and of course a decision that isn't taken lightly. Aside from the psychological considerations it will have, there are also the financial implications. These aren't limited to the one off expenses that you'll plan for early, like the pram and clothing, it also extends to repeat expenses like nursery and childcare.
It is therefore vitally important that you plan these ahead in as much detail as possible, to work out how they will affect your long term financial plan. In order to help you do so, we've put together a quick guide that will help you figure out what to spend money on and how much it might cost.
Don't forget, this is all information that can be used for your Strabo Life Events on the Net Worth Forecast, allowing you to map the financial impact of different financial outcomes on your long term retirement plan.
Understanding the True Cost of Having a Baby
We've tried below to be as detailed as possible when listing down all the expenses you might encounter. You can do your own research on these and decide, in some cases, how much you would like to spend on each and what sort of products you're looking for. When preparing your savings for a baby, you'll have to work out things like whether a premium pram is what you want, or you're happy to make some concessions in certain areas. Often, two products might be very similar in all but aesthetics, so it can be a case of choosing between form and function.
As with a wedding, much of this comes down to personal preference - we've just put together a quick guide to get you started.
Creating a Baby Budget: What to Include
We've listed below essential baby expenses, non-essential expenses, ad hoca and recurring expenses and a few other items that we think you might have missed in your forecast. If you've remembered all of these without our help, we'd be seriously impressed!
Essential Baby Expenses: A Comprehensive Breakdown
Here are the essential items you'll have to cost up. First up, nursery costs:
- Cot or cot-bed (includng mattress)
- Bedding, blankets & sleeping bags
- Car seat (your baby is legally required to travel in a car seat. You should not buy one second-hand unless you are certain it hasn't been in an accident)
- Pram, pushchair or travel system
- Sterilising equipment eg pan / microwave
- Essential clothing
- Disposable or reusable nappies
- Bottles (including heads & cleaning tools)
Non-Essential Baby Costs: What You Need to Prepare For
Don't also forget all the little "nice-to-have" things. Many of these can be included in the baby's bedroom:
- Changing table
- Baby monitor
- Room thermometer
- Mobile
- Nightlight
Some also come under Travel & Playtime
- Travel cot
- Baby sling or carrier
- Changing bag
- Playmat or activity gym
- Baby bouncer or rocker
- Rattles, teether and other toys
Finally, there's also Feeding items:
- Breast pump
- Maternity bra / breast pads
- Cloths & bibs
- Nursing pillow
- Dummies
- High chair
- Weaning equipment
Ongoing Baby Expenses: Monthly Costs to Expect
Often people forget about clothing, bathing and changing - recurring things that need to be taken care of. While these can seem quite insignificant, they add up quickly and oftenrecur.
- Baby bath
- Baby towel
- Bath thermometer
- Grooming essentials
Hidden Costs of Having a Baby: What You Might Miss
Saving Strategies for Expecting Parents
Now you've got a pretty comprehensive list of things you will likely need to buy, it's time to work out whether you can afford them, what might be left over and what you will have to start saving up for. First, look at the money you have in the bank, and the money you have invested as a couple (liquid and illiquid, and available to use on a baby). Then, you can look at your monthly take home pay and how much you might be able to save before the baby arrives.
Cutting Costs: How to Save Money on Baby Expenses
To be honest this is a decision you'll have to make as a couple. Many of the items above are either non-essential, or you can buy slightly cheaper versions of them to save money. Some things you might be able to ask for as gifts from your family, particularly if you are not yet married or have some unused gift allowances from a past wedding. There are, unfortunately, a few things you simply can't cut back on. Things like the car seat are vital to the safety of the baby and you don't want to take the risk of using below-par products here.
Financial Assistance and Benefits for New Parents
There are a number of ways you can take advantage of some benefits available to those in the UK. Here are a few examples:
- FREE dental care under the NHS while you're pregnant and for a year after the baby is born
- FREE prescriptions while you're pregnant and for a year after the baby is born (in England)
You can claim these by filling in the Maternity Exemption Form (FW8) - available from your doctor or midwife.
Paid Time Off
- Paid time off regardless of time spent in current job, in addition to your annual leave
- Time off for medical and midwife appointments
- Time off for recommended doctor's appointments
- Two instances of time off for the father for doctors' appointments
You can file the claim for these on the government website here.
Maternity Leave
Here you are allowed to take the first 6 weeks at 90& pay, the next 33 weeks at a slightly reduced rate (the lesser of £184/week or 90% of pay), and the next 13 weeks after that unpaid.
Paternity leave is also available for up to two weeks.
Working Tax Credit
There is an additional allowance to help you prepare your savings for a baby if you're a low income earner - you can claim working tax credit to help you top up your earnings. This is being replaced by Universal Credit, and can be filed with HMRC on an individual case by case basis.
Sure Start Maternity Grant
Finally, there is a one-off payment available of £500 from the Social Fund to help with the cost of your baby. There are a few requirement to be met in order to be eligible for this, which are available here.
Building an Emergency Fund: Why It's Crucial When Expecting
This advice stays constant, whatever your financial goals are long term, and however you're investing your money. Start building an emergency fund early: 3-6 months of expenses is the recommended amount to keep in cash or short term securities that are immediately available. Of course, once you've had a baby, the level of these expenses will change so you'll have to put a bit more into the emergency fund around the same time that you're taking a hit on your monthly expenses. So if you're not careful it can all come at once!
Have a sit down with your partner and plan this in as much detail as possible - if you're not really aware here, costs can begin to spiral and you want to stay on top of these and ideally keep investing for your family's future, even as your expenses begin to rise.
Long-Term Financial Planning for Your Baby's Future
Note that if you're a "high earner" as deemed by HMRC, you'll have to pay back some or all of your Child Benefit in the form of extra income tax. However, it might still be worthwhile to apply for some protection to your state pension. As always, do your own research here. The extra income tax starts at £60k, and your reduction in Child Benefit starts at £100k, the same time as your annual allowance starts to taper.
Conclusion
So there you have it! We definitely haven't covered everything, but this is a great starting point for you to start totalling up the costs and working out the inputs you need for your Strabo dashboard. You'll need to come away with three things to input. Firstly, the lump sum up front investment that you'll need to start saving for. Secondly, the ongoing additional costs per month that this child will incur. Finally, how this will affect how much you'll be investing in the future, and where this will be split. Don't forget, when you do set up new accounts for your newborn, you can connect these to your Strabo dashboard too - tag them with an appropriate name, and start tracking them separately on a custom page.
Don't forget to share your templates and let us see how you're managing your family finances with one new additional member!
Why Use Investing Apps in the UK
The UK has seen a boom in investing apps in recent years, which offer beginner investors an easy to use and accessible option to get into the market.
Investing is now simpler than ever thanks to these applications, which get rid of the need for pricy brokers or complicated procedures. Investing apps like Trading 212, Freetrade, and Revolut make it possible for young and beginner investors to take control of their investments with their user friendly interfaces, built in educational tools and minimal or no costs.
As the need for low cost investing options and financial independence continues to grow, the UK is expected to utilise mobile investing tools even more in 2025. More people in the UK are using apps to manage their money as a result of its adaptability, simplicity of use, and the growing trend towards digital financial solutions and increased awareness of personal financial planning, which makes investing apps an effective tool for beginner investors.
Investing is now simpler than ever thanks to these applications, which get rid of the need for pricy brokers or complicated procedures. Investing apps like Trading 212, Freetrade, and Revolut make it possible for young and beginner investors to take control of their investments with their user friendly interfaces, built in educational tools and minimal or no costs.
As the need for low cost investing options and financial independence continues to grow, the UK is expected to utilise mobile investing tools even more in 2025. More people in the UK are using apps to manage their money as a result of its adaptability, simplicity of use, and the growing trend towards digital financial solutions and increased awareness of personal financial planning, which makes investing apps an effective tool for beginner investors.
Benefits of Using Investing Apps for Beginners
There are a number of advantages to using investing apps for beginners, particularly for those who are just getting started. Here are a few main benefits:
- Accessibility - By providing a straightforward, mobile friendly platform that is available at anytime and from any location, investing apps have completely changed how individuals invest. You no longer have to spend hours learning complicated systems or setting up sessions with financial experts. Beginners can begin investing directly from their smartphones with a few taps. Anyone, regardless of their schedule or location, can participate in investing without any obstacles thanks to this immediate access.
- Low cost - The affordability of investment apps is one of their most notable benefits. The high commissions and administration costs associated with traditional broking services make it challenging for those starting out to invest small amounts of money. On the other hand, a lot of investment apps provide cheap fees or commission free trading, which makes them perfect for beginners. This enables beginners to invest without fear of losing a significant amount of their profits to fees, allowing them to give more money to the market.
- Adaptability - Traditional investment strategies are not as flexible as investing apps. Beginners can more easily dabble without making a significant upfront payment because many investment platforms enable users to invest in a variety of assets, stocks and shares, exchange traded funds (ETFs), and specialised investment options, allowing beginners in the UK to diversify their investment portfolios right away. Furthermore, everyday investors may manage their investments on their own terms and are not restricted to a 9 to 5 schedule thanks to the option to trade at any time and from any location.
Investment apps are a great place for beginner investors to start because they combine low-cost solutions, user friendliness, and convenience to help gradually increase wealth.
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Key Features to Look for in an Investment App for Beginners in the UK
It's crucial to search for features that can features that can facilitate your learning and make investing simple and accessible when selecting an investment app as a beginner. Here are some essential features to look out for:
- East to use interface
The design of the app should be simple and intuitive. You will find it easier to comprehend and utilise the platform without feeling overwhelmed if it has a straightforward and uncomplicated layout. - Educational Resources
The best investment apps include educational materials such as FAQs, videos, tutorials, and articles. Beginner investors can use as a guide to understand important investment strategies and make wise choices. - Platform fees
A lot of investment apps charge management fees and trading fees. To protect your investment gains, it's crucial for beginners to select an investment app with little to no costs. The best investment apps waive management fees or provide zero commission trading. - Low minimum investment
For beginners who might not have a large initial investment, apps that let you start investing with small amounts of money are excellent. Also look for apps that sell fractional shares, so you can invest in pricey stocks without having to purchase the entire share. - Portfolio diversification tools
Seek for investment apps that provide a variety of investment options, including mutual funds, index funds, and exchange traded funds (ETFs). Even with little money you can create a diversified portfolio by making a fractional investment in individual stocks. - Robo-Advisor Features
Some investment apps include robo-advisors which automatically manage your investment portfolio according to your goals and risk tolerance. For those whose may not feel comfortable choosing their own investments, this is a fantastic benefit. - Security features
It is important to ensure that the app has strong security features like encryption, two-factor authentication, and safe account recovery methods to protect personal data and information. - Current market data
The best investment apps have real time market data, charts and stock market performance metrics which are essential for beginners who wish to remain informed and make wise judgements. - Type of investment accounts
There are many types of investment accounts available, such as investment accounts for minors, individual retirement accounts and individual taxable accounts. You should choose an investment app that provides you with a range of account options that can help meet your financial objectives.
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