Whatever your budget when you have a little one don’t skimp on the following……

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These are my top five essential that a child needs that defy a budget……

 1. Fruit and vegetables  – it is really important that you get your five a day and feel fit and strong. Markets are great places to go to stock up and remember a glass of fruit juice counts so do make sure you and your kids get enough !

 

 2. Home insurance  (our sink cracked really badly last year and it was dangerous and leaked and we had no spare cash, THANK GOD for our home insurance and it wasn’t even a proper emergency!)

 3. Your own dental and eye care  (okay your kids get this for free but yours really do matter too. Children need you to be fully functioning!) If you are on a very low wage you will get glasses and dental treatment for nothing so do check out your rights at www.directgov.uk

 


4.. Basic child safety equipment e.g plug covers, door locks, stair gates, a good thermometer and fireguards also car seats that fit  securely and have not have been involved in previous accidents and are the right size for your child. These are core essentials to keep your child safe well and protected.

 5. Life insurance. It doesn’t bear thinking about does it but if something was to happen to you and you hadn’t put this in place….well, enough said.

 What would you add?. Despite your budget what do you think you should never skimp on?

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14 Comments

  1. April 13, 2010 / 6:40 am

    We still don’t have life insurance, my wife and I. We need to remedy that.

  2. Becky
    Author
    April 13, 2010 / 6:45 am

    Please do! can you even imagine…..do it today!

  3. Heather @notesfromlapland
    April 13, 2010 / 6:49 am

    razors! Sick of paying a fortune for them i opted for a cheap brand this week. My legs are now in ribbons! that’ll teach me, eh?

  4. Becky
    Author
    April 13, 2010 / 7:03 am

    Oh my love…NEVER do that to yourslel!

  5. April 13, 2010 / 7:35 am

    I would add first aid kit and all that belongs in it, a good mattress for them to sleep on and shoes. I think even if you are going to buy ordinary trainers for your child they should have one pair of shoes that are fitted correctly.

  6. Becky
    Author
    April 13, 2010 / 7:38 am

    Thanks for commenting Na…I think you are right; a good nights sleep make the world of difference but do you know I have NEVER so much as used a plaster on either of my kids…however do ALWAYS have first aid kit in the car x

  7. April 13, 2010 / 8:11 am

    Don’t forget to add a Will to your life insurance – you can usually find them “somewhere” online for free… Maggy

  8. Becky
    Author
    April 13, 2010 / 9:36 am

    Top idea maggy thank you for rerinding us gosh a will is SO Important for lots of reasons! A solicitor firend has advised me if your will includes complex financial arrangements and childc are arrangements of any kind she would advise having a solicitor draft it.

  9. April 13, 2010 / 10:01 am

    Nappy bags and baby wipes. The budget versions JUST DON’T WORK!!!

  10. April 13, 2010 / 10:13 am

    If you have childcare because you have opted to return to work, or you have started then make sure it is the best.

    Also like Naomi said Shoes should always be fitted and mattresses should support you child and car seats should be ones that you are happy with!

  11. April 13, 2010 / 12:46 pm

    I have to say health is up there for me, espeically when a prescription costs what it does now, although you can get season tickets. Wills, life insurance (I am not eligable, at a decent price that is), specs, but they do take a back seat.

  12. April 13, 2010 / 2:40 pm

    Great points Becky! Would have to agree with the life insurance, it’s something you don’t want to think about but it’s so important!

    If you’re looking for insurance, we have a great comparison tool, you can even chat to one of our experts! http://www.lovemoney.com/lifeinsurance/

  13. April 14, 2010 / 8:27 am

    had some more thougts onthe above:

    Fruit & veg:
    1) fruit & veg often freezes well- so buy the cheaper frozen variety – i admit, not AS tasty, but still has vitamins and great for cooking! We have (cheap!) frozen blueberries and raspberries in the freeze for muffins! Though my son likes them frozen too!
    2) buy seasonal – they dont HAVE to HAVE strawberries in winter. buy them when in season and cheaper
    3) go blackberry picking – it is free! If you see a neighbour with a fruit tree ask if you can have some, make a cake and then bring some round a thank you

    Home insurance
    1) shop around!!

    Dental care
    1) I know it is stating the obvious, but saw a horrid programme about kids teeth rotting and having to pulled yesterday – limit sugar (ketchup, sweets, fizzy drinks) and make sure they brush!!! No bottle IN bed….

    Safety
    1) equipment is good, as they are clever little things: but, rearrang cupboards so dangerstuff high and only needs ONE lock
    2) stairgates – we only have “one” – but we taught our son early “how to do it” – been safe on stairs is just as important as a gate(if not MORE important)

    Life insurce
    1) as per my commet above – get a free will online!

  14. Becky
    Author
    April 14, 2010 / 8:39 am

    Yes health and prescriptions a uge priority when I was a social worker many lower income families struggle to pay for prescriptions and often did not take requitred medicine. Thanks for bringing this up x

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