A Simple Guide to Spending, Saving & Entitlements as a Young Parent in Spending

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Having a baby can be expensive and money problems can add to the strains of becoming a new parent. Here’s our guide to finance, what benefits you may be entitled to and some tips on how to save money on things for you and your baby.

What You Might Be Entitled To

There are a number of benefits you might be able to claim and entitlements you might receive as a new mum or dad:

Sure Start Maternity Grant

This is a one-off payment of £500 which helps towards the cost of a new baby. You don’t need to pay it back and it won’t affect any other benefits you might receive. Find out more on Gov.UK's website.

Healthy Start Scheme

If you qualify for this scheme you’ll get vouchers to help with the costs of basic food items such as bread, milk and fruit. Gov.UK has information about eligibility and how to apply.

Maternity Pay

If you’re employed, you may be entitled to Maternity Pay from your employer. You must tell your employer your are pregnant a minimum 15 weeks before your baby is due. Find out more on Gov.UK.

Maternity Allowance

You can apply for Maternity allowance if you don’t qualify for maternity pay. Find out if you are entitled to Maternity allowance here.

Paternity Pay

You are entitled to 1 or 2 weeks paid paternity leave if you’ve worked with the same employer for more than 26 weeks by the 15th week before you/your partner’s baby is due. You can find more information on Paternity leave and pay from Money Advice Service.

Other Benefits

For a full guide to other benefits and entitlements you may be entitled to visit Gov.UK's Benefits section.

Saving Money

We asked young parents what baby items you really need, and those you don’t!

Needs

  1. Pram 
  2. Cot - consider a cot bed which will last from birth up till your child is around 3 years old.
  3. Mattress protectors - handy for any bed and saves your mattress from lots of spills and splashes.

    Don't Needs

    1. A nappy bin - nappy bags are cheaper and do the same thing!
    2. A changing table - they can be expensive. Try using a changing mat on the floor.
    3. Designer clothes - your baby will grow out of clothes very quickly, often within a few weeks at the start.

    Remember, you can apply for The Scottish Government’s Baby Box through your midwife. It includes lots of handy essentials and will save you buying these.

    Check out our guide to things for your baby using your Young Scot card for discount.

    Money Concerns

    If you are in debt or are concerned about your finances, there are a few places you can contact for free to get help and advice.

    • Young Scot LawLine: 0808 801 0801
    • Citizens Advice Scotland: 0808 800 9060
    • Money Advice Service: 0800 138 7777

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