Budget hacks

Count the pennies: There are plenty of places to save across your family's spending

- 

how fast they grow and how quickly their interests change year to year. This is why it’s better to embrace preloved clothing, books and toys,” says Rajan.

Try charity shops, eBay, Vinted and Facebook Marketplace. Meanwhile, YoungPlanet, Rascal Babies and Mum2Mum Market - are great places to find good quality, preloved items for young children and babies.

Take advantage of any special family deals and vouchers

Loyalty cards and railcards will often have family days out offers on their website or app for cardholders, Rajan points out.

“For example, with a railcard you can occasionally get two-for-one deals on ‘days out’ to the zoo and the aquarium, as well as discounted cinema and theatre tickets. And when it comes to the travel itself, railcards often quickly pay back your initial cost. Some supermarket point schemes offer discounts on meals out, streaming services, holidays and more.