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STARTING A FAMILY

Starting a family is one of the major decisions of our lives. It is a very exciting time for all, but with it comes new responsibilities which can be both challenging and daunting. Having a baby can often put a great strain on a family's budget and the cost of food, nappies, clothing etc often prove to be more expensive than we imagined.

Managing difficult budgets, fundamentally changing lifestyle and suffering sleepless nights can be very waring. And then there are those ongoing costs which seem never ending and get worse as your child gets older! However, ask any parent - for some strange reason we all seem to think it's worth it!! We hope that you find the information in our "Starting a Family" Section helpful as far as your financial planning is concerned.

Having a baby - employment considerations Providing Childcare Education Savings for children Protection issues Additional information: Working Families Tax Credit Married plus young children (Lifestages) School Fees (Case Study)

REMEMBER You should not use any information contained on this page as the basis of any action until you have discussed matters with your financial adviser.