The Baby JourneyExploring the baby journey and reactions toproposed website content

Presented by Bdifferent

16th March 2015

Background to the research

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What did we want to find out in this research?The overall purpose of this research is to help with thedevelopment of the Having A Baby pages on the Money AdviceService website, and specifically: Develop distinct personas for new mums in relation to

gathering information on finances Review current headings on the baby journey and test new

content ideas Explore reactions to the current tools for new mums Determine reactions to three writing style of content and

identify which is the most popular

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Who did we speak to?

All must not use an IFA/financial adviser for money advice All must use online sources for information and have online access Fieldwork 16th February to 9th March 2015 in Crawley, Brighton, Reading and

across the UK in the online forum

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A little about those who took part…

Verygood

Quitegood

Not verygood

Not at allgood

Q. How good at budgetingand knowing what money iscoming in and going out

For most mums, having a baby means growingup themselves and getting more organised andresponsible with money

Whether working or not the women is often incontrol of the day to day budget of the house,with responsibility to make money go as far aspossible

Often one person in the partnership is moreprepared and organised

The women who participated in the online panelwere recruited online and therefore have a higherpropensity to search for information online andcontribute to forums etc. because they are morecomfortable with this source

The online forum

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Baby journey personas3 personas of expectant/new mums in terms ofgathering information on finances

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Developing the ‘mums’ personas The personas have been developed from the qualitative research

group, depths and online forum with expectant and new mums The following personas focus primarily on the ‘mums’ propensity

to plan ahead and gather information

Persona 1: Laura’s baby journey…has life planned out

Persona 2: Paula’s baby journey…planning starts when pregnant

Persona 3: Becky’s baby journey….better off with baby

is based on mums who haven’t done much baby specific planning untilthey are pregnant but once the baby is on the way they are eager to gatheras much information as possible. This is the majority of mums

Is based on mums who are natural planners, who have most aspects oftheir life planned out and having a baby is just the next project. Thesemums are in the minority

Is based on mums who receive income and housing benefits once theyhave had a baby. Much of the pregnancy is spent sorting out theiraccommodation and benefits, but they also want to plan for the baby buton very limited budgets

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Profile: Mainly planned pregnancies Researches most things Enjoys budgeting Already considered childcare Cleared debts/sorted

finances/right accommodationbefore getting pregnant

Saved to cover maternity evenbefore pregnant

Lots of research into having ababy, best pram etc.

Happy to share information onforums

Laura’s baby journey…has life planned out

My husband does say I’veplanned the next 20 years of our

livesLaura

Well I always had a budgetspreadsheet and before I even gotpregnant I worked out whether ornot I could afford to have a childAnd I’ve also worked out, this is

even more sad, when I go back towork how much my childcare is

going to cost and how that’s goingto affect us long term

Laura

I have always been quitefinancially savvy. I have a

spreadsheet for my outgoings, notthat there is a lot left after two lots

of maternity leaveLaura

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Needs from the baby journey

Before pregnancy During pregnancy 1st baby Subsequent babies

Laura’s key needs through the journey

Key needs:•Cost of a babycalculator toensure they canafford baby

• Information onmanagingmortgages whenon maternity leave

• Information onmaternity leave aslikes to plan ahead

Key needs:• Information onopening children’sbank accounts

•Cost cutting tipsas wants to makemost of money

Key needs:•Childcare costcalculator to helpplan

•Lists of babyequipment wanted

• Information onmaternity benefitsas usually neverclaimed anythingbefore

Key needs:•Harder to be soorganised

•Cost cutting asbudgets eventighter

• Information onseparation/divorceand childmaintenance

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Needs from the baby journey

Before pregnancy During pregnancy 1st baby Subsequent babies

Laura’s key needs through the journey

My partner is the onlyone who works so Ihave become "chief"

when it comes tomoney - all money

comes into me and Imake sure bills and

outgoings are paid andthat we have enough

We were pretty organised withnappies and wipes etc with

our first baby, but organisationseems to have gone out thewindow since number two

came along! ha ha!

I have software that I use tobudget my expenses so I amusually quite good with mymoney but I have no idea

how much more expensive itwill be having a baby

I looked at online forums to see whatother women bought for their childand how much it roughly costs to

have a baby, but it looks likeeveryone has a different opinion and

priority

So when they wereborn we opened a trustfund for them and setup a standing order sothat money was going

in each month

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Profile: Baby may be planned or surprise

but made little financial provisionin advance

Try to cut back and save whilepregnant

Unlikely to have made budgetbut knows they would benefitfrom doing so

Once pregnant eager to researchinto having a baby, equipment,costs etc.

Reads forums but doesn’tcontribute

Paula’s baby journey…planning starts when pregnant

I started a new job and just before Iwas suppose to start I found out Iwas pregnant so I'm not entitled topay from my employer. I have to

apply for it myselfPaula

I've never made budgets for thehousehold, and having a baby has

not changed that. My husband and Istill have separate bank accounts;

both current and for savings. We arehowever more money conscious

than beforePaula

I am mum to a four week old baby boy. Ididn't plan on getting pregnant but my

partner and I talked about children a lot.Unfortunately this turned out not to be true

on his side and I am now a single mum. I amnot skilled in budgeting and actually find it

quite a scary topic which I often avoidPaula

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Paula’s key needs through the journey

Key needs:•May have organisedhouse, work etc. butlittle thought forplanning financiallyspecifically forhaving baby

Key needs:•Baby timelinehelps as planningonce pregnant

•Cost saving tipsand budgetcalculator ascutting back tosave before babyarrives

•Women alsoresearchingpaternity leave forpartner

•Hunger forinformation whenpregnant but maynot realise there ishelp with financesfor mums

Key needs:•Childcarecalculator as maynot have organisedbefore birth

•Baby savingsaccounts

Before pregnancy During pregnancy 1st baby Subsequent babies

Key needs:•Maybe moreorganised as knowwhat is coming

•Hard to savebetweenpregnancy

•Need help withbudgeting andmoney saving asbudgets tighter

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Paula’s key needs through the journey

Before pregnancy During pregnancy 1st baby Subsequent babies

We are saving for thehouse not a baby but whenshe came along that extramoney has really helped

We didn’t plananything before I gotpregnant. We wanted

to see if it wouldhappen

This is my second child soit’s not too much of a

shock to the system! Wehad prepared much better

the second time roundhowever it is still not easy.I put away a little bit each

month from my already lowmaternity pay towards thelast three months where

no money will be received

My husband asked aboutpaternity leave at workbut they didn’t tell himmuch and he just left it

I have more money sincebecoming pregnant as I am not

going out as much. This hasbeen great for putting cash

aside and in preparing for thebaby. My partner and I haveset a goal amount to ensure

we achieve that amount beforethe baby is born

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Becky’s baby journey….better off with baby

Profile: On very low wage or benefits before baby On benefits now

If working and renting before feel better off(rent is paid)

If working and living at home before feelworse off

If on benefits before feel better off

Experience of raising children from familyand friends, so less online research

Listen to the midwife but may not attendclasses or act on advice. Rely a lot onfamily support

Benefits do not come until baby born,so can’t make budget changesbeforehand

The three of us live off £100for two weeks. How do I

budget? I only buy dinnersfor me and don’t each lunch

Becky

I went to car boot sales andgot most of the baby stuff. Ididn’t get a grant because I

was working at the timeBecky

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Becky’s key needs through the journey

Key needs:•Need help butgenerally nopreparation

•Hasn’t managedtheir moneysensibly prior topregnancy

•May have debts

Key needs:•Not good atplanning, timelinepopular

•Not the baby costcalculator, oftenbuying second hand,seems tooaspirational

•Focused on sortingaccommodation andbenefits

•Do not get fullbenefits until baby isborn so difficult tobudget in advance

Key needs:•Not childcarecalculator as costsseem too high tomake workingworthwhile or willuse family

•May view budget astoo limited to usetool

•Advice onmaintenance asfather often onbenefits too orabsent

Before pregnancy During pregnancy 1st baby Subsequent babies

Key needs:•Budget tools if canbe persuaded touse

• Implications ofgoing back to workon benefits

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I used to lookafter my

brother’s kidsso I know about

kids

I got this flat just beforethe baby arrived, before

that I was in a hostel

When I worked I got£1,200, now it’s £600 but Idon’t have rent to pay, so Ihave more money to spend

Becky’s key needs

I had one budgeting lessonfrom the council to make sure I

pay my rent to the privatelandlord but I’m 28. I know

what I need to do

I don’t get a pennyfrom the dad

When you have a babythe Government takes

over from you

My family nursehelped with a

budget sheet butdidn’t give any

advice onbenefits

Before pregnancy During pregnancy 1st baby Subsequent babies

Now I have thetwo of them I’mtrying to get abigger flat. I’veonly just foundout how you do

that

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Awareness of the Money Advice ServiceAwareness and likelihood to use the website

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Among mums awareness of the Money Advice Service islimited

2 aware via bounty pack1 had used for information

on debts

My friends were talking about tax credits, sowhen I was given the MAS leaflet in my

Bounty pack I went online to have a look. Ididn’t take in that it covers all this other stuff

Laura

I was diverted to them via a link. It tellyou everything about debts and charities.

I went on there to find out if I could getout of paying back a QuickQuid loan

Becky

Even when they have used the website on specific issuesthey were not aware of the variety of other information andtools available

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Use of the Money Advice Service would be higher ifmums knew information available Among the rest some have heard of

Money Advice Service or morefrequently Ask Ma, but onlyassociate it with people havingfinancial problems

Most unaware of Money AdviceService as a source of informationto help expectant and new mumsmanage their money

This is a generation who ‘Googleeverything’ and if they search fore.g. money and new mums theMoney Advice Service site is top ofthe search list

However, lack of awareness thatthis type of information is availableor even needed so most would noteven think to search for somethinglike this

But if they are open foreveryone they’re not really

saying that in their promotionPaula

I realise things aregoing to be tight, just

don’t need to have it inblack and white

Paula

The latest advert where the littleboy comes in and she says “pickup your shoes” and talks aboutgoing on a holiday, so I thought

they did advice for sort ofworking families that were

struggling a bit but before thatadvert I thought it was more forpeople that had got themselves

into trouble with money thatneeded, a bit like Citizen’s

AdvicePaula

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Use of websites & forumsPreferred sites for new mums

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This generation of mums are used to researchingeverything online Most new mums ‘Google’ everything they want to know

The online forum mums are already high users of websites Those living on benefits have phones with internet access and rely on

them for information. Using sites such as Emma’s diary, andMumsnet

Bounty packs are still a popular source of information. Twomums recalled the Money Advice Service leaflet in their packs

Forums are popular to read, though those not on the onlineforum are unlikely to contribute They are useful for researching more sensitive issues like

maintenance with baby’s father or being a single mum

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What they said

I don’t like forums for medical things,because you can become obsessed

with children’s illnesses and it messeswith your head

Laura

I tend to ask my mum or a friendwith kids, and while I am talkingto them I Google to see if what

they say matches upBecky

Babycentre - it comes up when you search on Googleand I find their information really useful. Emma's Diary

- I went on the more when I was pregnant than nowbaby is born but I loved the week by week

development of baby Leaky B@@B - Is an oddwebsite but I enjoy reading the articles and information

on there as I breastfeed my babyLaura

Netmums: i like this site as it gives real lifeexamples and advice from other mums. Itgives practical steps and processes whichcan help you in whichever situation you arein. I like actually hearing what other mums

recommendedPaula

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What do new mums want to know?The questions new mums want answers to

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New mums’ questions are mostly covered by MAS, althoughsignposting to other parts of the site would be helpfulBefore showing any suggestions from MAS new mums were asked whatquestions they really want answers to. These questions have beengrouped into the key topics and listed in order by frequency of mention

•Savings accounts•Maternity leave/benefits - what maternitytake home pay will actually be?

•Cost of having baby•Tax credits•How to save while pregnant•Child benefit•Getting the best deals on baby equipment•Tax issues•Budgeting•Paying for childcare•Managing mortgage on maternity leave•Life insurance•Benefits for the self-employed•Money saving•Other state benefits by income level•Child maintenance

A full list of questions is appended to this report

Mostmentions

Leastmentions

The key suggestions notcurrently available were:A tool to calculate take

home pay when onmaternity leave, takingaccount of tax, carallowance and employercontributions, tax credits

A guide on what benefitspeople are entitled to byincome levels

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What they said

I need to know what I would actuallytake home when I was on maternityleave. My accounts person at work

helped me but if you didn’t have that itwould be good to have a calculator

Laura

People will tell you what you’re entitled toin terms of maternity pay but no one gives

you any guidelines on what you’reactually going to take home, that’s theproblem. I’d like a calculator for this

Paula

My friend did that and she savedlike £200 a month by changing hermortgage, which meant she could

have 4 months longer off onmaternity

Paula

Benefits online, anything like thatwell confuses me. One of the

helpers where I volunteered helpme work out what benefits I could

get. I needed help with thatBecky

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Current information on the baby journeyReactions to the Having A Baby landing pages

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The landing page is not drawing mums into the wealth ofinformation available

Mums shown MAS landing pages Not expecting to find information forparents on the site

Strong negative reaction to linkingbirths and deaths

Does not suggest the nature ofinformation it covers

Sounds very official and impliesregistration of birth rather thanactual information provided

I would look at that page andprobably go straight off that

website and onto one that just hada section about having a baby

Laura

I hate how they put birth anddeath in the same place

Paula

You would think you wouldneed to register for it

Becky

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‘Having a baby’ is a clear heading but is still listed withnegative life events

Mums shown Having A Baby landing pages

Having a baby much betterheadingMaternity/Paternity should not be a

separate heading Should not be in same list as deaths

and divorce or if necessary shouldbe at the top so it goes in order oflife events

And the thing starting a family orhaving a family could be separate

because deaths and wills andthings and divorce and separationsort of puts a black cloud over it

Paula

It looks easy. Somewebsites are well

complicatedBecky

Now I’m separated I would look atthe divorce bit but having a babyshouldn’t be in there with death

and willsLaura

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Reorganising the informationReactions to the current list of headings and suggested revisions

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The most popular headings are on benefits, cutting costsand the cost of childcare

Benefits you are entitled to when having a babyFree and cheap baby products and shopping aroundTax credits and other help with childcare costsCutting costs when you have a baby - top tipsChild tax creditCalculate the cost of a new babyBudget plannerBenefits you can claim when pregnantMaternity pay and leaveChildcare vouchers / tax free childcare schemeUnderstanding childcare optionsSorting out your money when you're pregnantCost of raising a childManaging family finances when you've had a babyClaiming child benefit

Mostpopular

Leastpopular

Most popular top tier(chosen by the majority)

Less popular second tierWorking for yourself after you’ve had a babyYou, your kids and moneyChild-care costs calculatorYour rights returning to work after maternity leaveNew baby - why budget?Review your insurance after having a babyMaternity allowanceEntitlements from work when pregnantBaby costs calculatorPaternity leave and payHelp from your employer with childcare costsFree prescriptions and NHS dental care in pregnancyChild benefit for people earning £50,000+Returning to study after having a babyProtecting your state pension when having a babyArranging child maintenance with your ex-partnerProtecting your workplace pension when having a babyStatutory adoption pay and leaveFinancial support if your child has a disabilityIf your baby is stillborn

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Overall preference is for the medium length list with itsclustered headings

Originallist

Middlelength

Shortestlist

Overall preference

Paula’s prefer the middle size lists.They are focused on cutting costs,budgeting and entitlements once

they are pregnant

Laura’s are more likely to like longerlists because they want detail and

want to see the range of informationavailable but complain of therepetition in the original list

Becky’s prefer the shortest list andare primarily focused on benefits

entitlement, cost saving andmaintenance from partners

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This list is too long and repetitive

Most said the list was too long and repetitive,it was hard to digest and see where they needto go

Dads commented that it comes across as a listfor mums rather than parents, thoughadmitted mums are more likely to do anyresearch

The information on stillborn babies isupsetting and not something people will lookat when browsing. This could be movedsomewhere more discrete and effectedfamilies could be directed by midwives

Free and cheap baby products is always apopular heading because all mums arelooking for ways to save money. This is whatdraws them to sites like Money Saving Expert

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What they said

I think the titles are toodescriptive, so ‘financial support ifyour child has a disability’ could

just be disability allowanceLaura

There is too muchgoing on there

Paula

I think a more general top heading andthen clustering these really specific

topics under that so they’re easier toread in the first place… Especially when

you’re pregnant and you’re tired andyou just want to get information

Paula

So you may have one laterthat’s cost of a baby or

somethingEveryone’s costs are different,people shop at Waitrose and

people shop at LidlPaula

The title about still births, Ithink as someone who ispregnant it is very scary

Paula

It is aimed at women, it is all from afemale perspective. I want to know

about paternity leave, insurance andwhat help would I get if anything

happened to my wifeDad

I would have left this page.There is too much, it is too

smallBecky

I remember thinking it is quitedaunting when I looked on the site.It covers so many topics it makes

you worry about other thingsLaura

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This is a compromise between the original list and theshortest list

Those that chose it thought it has theright balance of detail and preferred theway the headings are worded

The option was particular popular withthose on the online forum, but shows nopattern by age or social class

It is straight to the point you know whatyou are getting. You get everything. Withthe short list you would click on a headingand there would be a list of 5 more things

underneath itPaula

It is good but could be cutdown even more

Becky

I can’t read a lot of big words.This is easier to understand

than the long listBecky

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The short concise list is also popular

Mums like the way the headings aregrouped

It is the easiest to read and digest, thoughthose that prefer the medium list thoughtsome headings are missing

I definitely like the shortest list. It isshorter and covers everything. It isless overwhelming as I think you

should read everythingLaura

The ones I would click on areat the top together. You don’thave to go through the ones

you don’t wantBecky

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Alternative suggestions were made based on life stage,targeting dads and benefits based on income

Alternative suggestions for structure: Life stage Information to be organised by life stage, so can click

on for example, 1st time mum returning to work or single parentetc. and be told everything that applies to this audience

Target dads Dads complained the pages are set up for women,and they would like to see a page dedicated to dads coveringpaternity leave, insurance and other issues of concern to dads

Benefits by income level Benefits cause confusion for those whohave never been entitled before. Outline what people are entitledto by income levels

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Reactions to current tools for parentsFeedback on the baby cost calculator, childcare calculator andbaby timeline

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Those on the online forum are mostly very positive aboutthe Baby cost calculator

Mums on the online forum tendto be better at using online tools

and budgeting

Veryuseful

Quiteuseful

Not veryuseful

As part of the online forum the new mums were askedto tick and cross what they like on the Baby costcalculator. These views have been amalgamated

Q. How useful is the baby cost calculator

The online forum

I like the estimation of the costs. I like thatyou can say whether its breast or bottle

etc. and that you can include items or not(if you already have them) I think it isreally straightforward and easy to use

Paula

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Offline reactions to the Baby cost calculator are more mixed

What I did was go on the Mothercarewebsite, there’s a list you can downloadof what’s essential, what’s nice etc. so Idid this but in a very long-winded way. Itdidn’t help me to budget because I didn’t

have a clue what it was going to costLaura

Majority looking for a list ofwhat is needed, some love

the calculator others happy tocalculate costs themselves

This would havebeen helpful. I

never knew thingslike this existed

Paula

Those with smaller budgetscan find it depressing to see

the costs but won’t be putoff having a baby

I find this off-putting butfinding out the cost

wouldn’t stop us fromhaving the baby and wewould rather just get onwith things and not know

Paula

It is about how much I’mprepared to spend rather thanhow much it costs. I make it

work for my budgetBecky

Those on benefits did notsee the relevance as theyare often buying secondhand or hand me downs

The nurse gave me a paperversion but an app that addsit up would be good. But the

prices seem high on thisBecky

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The cost of childcare calculator is also deemed useful bythe majority of the online forum

Mums generally found it useful,though some already have family

help etc

Veryuseful

Quiteuseful

Not sure

Not veryuseful

Nota atall useful

Q. How useful is the childcare calculator?

This doesn't take in to accountsibling discounts? How using taxcredits might change these costs?

Laura

As part of the online forum the new mums were askedto tick and cross what they like on the childcarecalculator. These views have been amalgamated

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Offline the mums liked this idea but could not see thevalue of the childcare calculator for themQuite a few mums already

know their preferredoption for childcare andare not swayed by cost

Costs of nurseries/childminders can vary

greatly locally so thisonly gives a guide

Does not include costs forlunches, activities etc.which add to the cost

Costs are seen asprohibitive for those on

benefits, who will mostlyhave to rely on family

It is expensive!Becky The text is small and

not as visuallyappealing as other

toolsIt doesn’t seem to take intoaccount childcare vouchersof free nursery hours

Does it take into accountchildcare vouchers? I

would like it tooLaura

The costs vary greatly betweennurseries, even locally

Laura

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The Baby timeline is the most useful tool for online mums

The timeline appeals to theplanners among the online

mums are

Veryuseful

Quiteuseful

Not sure

Not veryuseful

Nota atall useful

Q. How useful is the childcarecalculator?

I like the fact that they tell you briefly aboutthe dental care and then give you theoption to view more details instead ofbombarding with loads of information

Laura

As part of the online forum the new mums were askedto tick and cross what they like on the Baby timeline.These views have been amalgamated

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The layout is goodyou can keep the

dates on your phoneBecky

They like that this informationcan be transferred to

smartphone/diaries

If you can apply forsomething 11 weeks before

or 16 weeks it would be goodto know exactly when

Laura

It is helpful to have acentral source of what

needs to be done

The layout iswell received

Mums who have notplanned the pregnancyneed help knowingwhat to do when

I had a rubbishmidwife who gave noadvice. I didn’t really

know what to doBecky

2nd+ time mums mayfind it useful as theyhave less time to focuson what they need to do

It would have been usefulsecond time around because

you forget what you need to doLaura

Reaction to the baby money timeline is positive offline too

It’s all about gettingorganised whenyou’re having a

babyPaula

Helps mums getorganised at a timewhen they feel they

have to grow up andput finances in order

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Wording the informationReactions to the case studies and pros and cons text

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Clear overall preference for Working for yourself

Working for yourselfComes across as fact rather than opinion Tells you want you want to know Easier to read even though it is longer Easier to skim and pick relevant factsDoes not contain unpopular suggestions

e.g. putting children in front of TV whileworking

Actually tells you what you need to do inany situation

Workingfor

yourself

Emma'sstory

Alison'sstory

Overall preference

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It’s her opinion of her liferather than advice. I’d preferthe facts. It doesn’t actually

tell you how to do itBecky’

Alison’s story is viewed as just opinion and most struggleto see the relevance

Comes across as opinionrather than advice

Suggestion of puttingkids in front of TV isunpopular

I wouldn’t put my kids in frontof the TV. You should be doing

activities with your childrenBecky’

I think at the end of this one it didhave a little bit a quote that kind offinished it off which was nice. It’s

nice to see a personal story but forme, I’d want the information and

looking at Alison’s story doesn’t tellme what I need to know

Laura

Does not give theinformation they want

The tone also seemed to imply itwas bad to go back to work,which isn’t a choice for many

I hated it. she was like “oh Isimply didn’t want to go backto work and miss those first 3years” well no one does but

we do and we have toPaula’

It is from a woman’sperspective so dadswould not read I would not even read

this as it is from awoman’s view

Dads

Unrealistic exampleto go from accounts

to cleaning

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Emma’s story received a similar negative reaction, but wasconsidered more realistic

The case study is toospecific and they cannot see how it appliesto them

This just leaves you withmore questions than it

answersBecky’

You’re not there to read astory. It’s not saying “look Istarted my own business

doing this, this is how I wentabout it, this is what I neededto do to set it up. This is the

research I did”Laura

Some preferred this casestudy to Alison’s story butthey can’t immediately see

how this applies to them

Many struggled to seethe point of readingthe case studies I didn’t really understand

why we were reading thecase studies

Paula

Emma seen as luckyto work for a company

that allows her tofreelance, which isn’t

realistic for many

Not everyone has aboss like that

Paula

We could have got thisinfo in a lot less words. Idon’t need her opinion,

just the factsBecky’

It seems to imply it is badto go back to work but Idon’t have the choice

Laura

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Working for yourself was the most popular format, givingclear guidance rather than opinion

Style is easier to skimdigest and see whatthey need to do

It is not too long ifyou need to know the

informationBecky

Text too long but mightread all of it if needed the

information

Even though there areway more words you

can skim it quicker as ithas headings

Becky’

I like the pros and consPaula

Text is more universaland could apply to

anyone’s circumstance

I like it because it is moreuniversal. It could apply to

anyoneDads

I can’t be bothered toread all this, it is for

working mumsBecky

Most prefer that it isfacts rather thanopinion

Don’t bother with thecase studies, they are

trying to encourage youto start up a business

which is too riskyLaura

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Recommendations

Raise awareness of financial information for new mums, so peopleknow it is there to found on internet searches

Ensure the pages work for dads too Use the shortest or medium list Use fact based information, like Working for yourself

Raise awareness of MAS as source not just for those in debt Change landing page so easier to find information Devise a tool for take home pay during maternity leave Use the shortest list or medium list Make childcare tool take account of childcare vouchers, lunches etc. Use fact based information, like Working for yourself

Promote MAS via midwives, job centre etc. and Internet searches Revise baby budgeting tool to work for those on really low incomes Promote ability to put timeline on phone calendar Use the shortest list Use fact base information, like Working for yourself