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How to save money on childcare vouchers

Guest post by Simon Moore, Managing Director at Computershare Voucher Services

More than one in three parents has considered giving up work because they feel unable to cope with childcare costs, according to our recent research at Computershare Voucher Services.

For me, it is worrying that many parents believe it is more cost effective to stay at home than pay for childcare – especially because in my experience many parents aren’t fully aware of the cost savings available to them. I think that this demonstrates explicitly that more must be done to raise awareness of what’s available to parents.

I believe – and I know it’s what you’d expect me to believe – that Childcare Vouchers are one of the most crucial money-saving options offered by many employers. As a salary sacrifice scheme, they are advantageous to both employers and employees, as neither party pays National Insurance on salary exchanged for the vouchers.

Saving money with these vouchers is such a simple process. All working parents have to do is request Childcare Vouchers from their employer to pay for registered childcare. A proportion of their gross salary will be exchanged for the Vouchers, which can provide parents with the equivalent of 31 per cent* saving on the first £243 that they spend on registered childcare costs per month. During the course of a year, Childcare Vouchers can thus provide a saving of up to £904* for a basic rate tax-payer.

I’m also a parent – so I shuddered, the same as everyone else, to hear from the Daycare Trust that the cost of a nursery place is rising at twice the rate of inflation. Added to that, the government will remove child benefit for higher and additional rate tax payers from 2013, money which many parents may rely on to pay for their childcare needs. To me these are further incentives to save costs wherever possible.

Surprisingly, many parents do not realise the extent of the flexibility of the Childcare Voucher system. They can be exchanged for care for children right up to the age of 16, not just for nursery but for pre-school care and various out-of-school or holiday clubs. I find that parents are often relieved that the vouchers can help them look after their older children too.

At Computershare Voucher Services, we offer a postal service for voucher delivery, but we are increasingly seeing parents switch to our e-voucher service, which has the convenience of being exclusively online. More information on the options available to parents can be found at our website: www.computersharevoucherservices.com.

One thing I feel parents opting for Childcare Vouchers should know is that the Childcare Voucher scheme is changing for new applicants in 2011. From 6 April all new users of Childcare Vouchers, regardless of how much they earn, will receive the same income tax relief as basic rate taxpayers. I must stress, however, to any existing users reading this blog, that these alterations will not affect them.

* Subject to individual circumstances. Higher or additional rate tax-payers may save more.

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Dressing for your pregnancy on a budget

Guest post by Jade Moon, yummymummyfashion.com

Pregnancy is one of the few times in your life that you can justify an entire new wardrobe of fabulous clothes that you will probably only wear for six months.

Now, for the thrifty among us, that sounds like a bit of a waste when money could be spent more wisely elsewhere, like on the enormous list of expensive things that you need before the baby arrives.

But, you don’t have to compromise if you know where and when to shop for maternity clothes and you really can stay stylish and feel comfortable on a budget by following some simple guidelines.

Turn yourself into a habitual bargain hunter and don`t be scared of shopping for clothes alongside your groceries. The three biggest supermarkets all have their own clothing ranges, including maternity wear and they are a revelation if this isn’t your regular choice for bagging the latest fashion.

They sell everything you will need for a decent collection of maternity clothes, including work wear, dresses, coats and all the basics you are going to need at great prices.

If you’re a designer label devotee this may fill you with horror, but if you want to cut costs without compromising on style, get your basics such as maternity jeans, trousers, leggings, wrap tops and tees more cheaply and you can still team them up with something indulgent and no-one will notice that you`re wearing a supermarket maternity top.

Don`t be shy about borrowing from friends or visiting a charity shop either. If you’re lucky enough to have a friend or relative that has had a baby recently, then this is a great opportunity to have a dig through their maternity clothes before they pack them away.

Charity shops are brilliant for maternity coats and jackets and they often look like new. There is usually a good selection of maternity wear in second hand shops and because it isn`t worn for very long it will still be fashionable. In more affluent areas you may be lucky enough to pick up designer labels at a fraction of their original price as well.

Ask the staff which day new stock is put on the rails and if, for example, you’re specifically looking for a black maternity trench coat, bring it up in the conversation. If one comes in, they may be kind enough to put it aside for you.

The high street is always a good choice for bargain basics and most shops have a decent fashionable maternity range. The smartest way to clothes shop is online and you can quickly compare prices and check deals between stores.

Voucher codes are a marvelous tool for the serious bargain hunter and most major retailers have caught on to this relatively new idea. You can save a heap of cash simply by spending a little time looking around special voucher code websites to see which shops have the best money off deals. They often show which stores are having sales as well.

You can get a substantial percentage discount, free delivery with an order over a certain amount or any combination of buying something to get something else free at a lot of maternity clothing websites, but keep checking back as offers change fairly quickly.

It`s not just the ordinary maternity ranges that benefit from discount codes, you can even get a good selection of tall and petite maternity jeans from plenty of online retailers. One of the few advantages of having to buy so many new clothes is that you will most likely be eligible for any free postage offers.

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I could save £1117 a year with The Resourceful Cook

The Resourceful Cook is a new meal-planning website and I’ve been meaning to check out the site for a while now. I just used the site’s calculator to find out how much it can save me and it estimated £1117 by avoiding waste and controlling costs. Wow!

I’ve written about meal planning sites before, but what I love about The Resourceful Cook is how customisable and detailed it is. Even if  you don’t want to fully commit to a meal planner, I can see how it could really make your life easier (and save you money!) Plus just reading it makes me hungry and excited to cook.

You choose your family size (one, two or four), what type of pantry you keep (basic, typical or cook’s) and the supermarket you frequent. Then choose from a range of menu plans, from home take-aways (fish & chips!) to Mediterranean medley (king prawn paella) to low cal and great value options. I chose great value and narrowed it down to four meals for the week that we’d cook in. The groceries would cost me £17, according to the site. You then have the option of adding more things to your list (biscuits? toilet roll?) before finalising and creating a printable version.

There are other options too. Really busy? Pick a quick shop menu and you’ll instantly get a shopping list for three meals. You can also plan dinner parties for up to eight using the site.

Meal plans only ever use fresh ingredients in amounts that match the pack sizes available in the shops. According to the site, that means no waste, ever. Plus you get a price per person for ever recipe, which I love. I’m assuming they base that on where I indicated I shop most but I’m not sure. According to the company, prices are based on an average between a range of typical supermarkets but soon they will have it updated automatically according to specific supermarkets.

I haven’t cooked anything yet, but I’m impressed. If it could magically base the menus around what’s on sale at the supermarket  plus what I’ve got coming in my Abel & Cole box it would be even better, but you can’t have everything!! I recommend The Resourceful Cook a look.

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Dental tips for children

Guest post by Dr Thang Nghiem, UltraSmile Dentistry

This post is brought to you by the folks behind the Tooth Fairy, now out on DVD and Blu-ray, who have teamed up with UltraSmile to give you some top tips for helping your kids look after their teeth!

1. Think “Clean not Green.” Teeth should be clean so there is no leftover food on them for the bacteria (bugs) that live in your mouth to eat. Bacteria cause decay by eating sugary leftovers and turning them into acid. The acid rots the teeth and makes holes (cavities). Clean teeth have no sugar leftovers on them and therefore don’t decay. Clean teeth = no cavities.

2. Good dental health to avoid gum disease should begin at birth. After each feeding, gently wipe the baby’s gums with a soft, damp washcloth or gauze pad to control the accumulation of plaque and to establish this ritual as part of the daily routine

3. A good way to encourage your child’s dental hygiene is by using a flavoured fluoride toothpaste. The taste and appearance of toothpaste can make brushing a more enjoyable experience, so children are more likely to brush twice each day and brush for longer periods of time. Appropriate brushing can help prevent cavities, gum disease and other dental health issues.

4. Children age six or less should brush twice a day for at least two minutes each time using no more than a pea-sized dab of toothpaste and a soft-bristle brush to remove plaque and provide fluoride protection.

5. Children should not brush their teeth straight after food as the acid in the food has softened the enamel. It is best to wait as long as possible after eating to brush their teeth or brush prior to eating. If it is not possible to brush children’s teeth while out and about then try giving them raw baby carrots, these help to clean the teeth. Apple like all fruit is not ideal as they contain acid and sugars which are bad for the enamel of the teeth.

6. Parents should take their young child with them to their next routine dentist appointment to reduce some of the child’s potential anxiety in the dental chair. The child will have a chance to get used to the sounds, smells and staff in the dental office, prior to his/her own dental visit. The first trip should be as early as age 1. Most dentists prefer to wait until age 2 or 3 unless there are any problems or possible problems. Plan on a check-up about twice a year for most kids. These routine checkups give your dentist the best chance to diagnose any problems early, and make specific recommendations for each child. Remember — prevention and early treatment are the best medicine.

7. If a child (or an adult) has a permanent tooth knocked out of his/her mouth, follow these procedures: gently rinse (not scrub) the tooth off and place it in a cup of warm milk (salt water is the second best choice; plain water, the third best), call the dentist and bring the child and the soaking tooth in immediately for re-implantation and stabilisation.

8. Parents should not give an unattended or sleeping child a bottle with milk or juice; instead, children should drink water to prevent baby bottle tooth decay.

9. Avoid giving children fizzy drinks, as they can cause enamel erosion, and always dilute their juices. Encourage children to drink through a straw if they are drinking juices, milk or fizzy drinks as it by passes the teeth. (Fizzy drinks are doing severe damage to our children’s teeth, with nearly half of five-year-olds examined suffering tooth decay, a study has shown. Some 45% of five-year-olds surveyed suffered from tooth decay due to the consumption of acidic foods, soft drinks, fruit juices and pickles)

10. Dental sealants are an excellent way to prevent tooth decay in children. The dental sealant procedure takes only minutes, is painless, is less than half the cost of a filling and is virtually 100 percent effective at stopping decay. Children should receive sealants on permanent molars as soon as they erupt (about ages six and 12 years). Dental sealants may last up to 10 years, two to four years is a more reasonable estimate. Sealants can be highly effective in protection against cavities provided the sealant is continuously monitored by a dentist. Sealants should be checked by a dentist during regular check-ups and if needed they can be re-applied. Sealants are only applied to the back teeth – the molars and premolars. These are the teeth that have pits and fissures on their biting surfaces. Dental sealants maybe available on the NHS but in many cases they are only available privately.

11. Orthodontic treatment (braces) should be started early if possible. It is recommended that all children get a check-up with an orthodontist no later than age 7. While your child’s teeth may appear straight to you, there could be a problem that only an orthodontist can detect. Of course, the check-up may reveal that your child’s bite is fine, and that is comforting news. By starting early, it is less likley that permanent teeth will have to be removed. Let your regular dentist take x-rays to check for missing permanent teeth (preferably by age six). If baby teeth must be removed early due to decay, make sure to have a space maintainer put in to help keep the teeth from drifting.

12. Milk teeth should be cared for in the same way as adult teeth and consideration must be given to the developing permanent teeth when milk teeth are knocked out prematurely. The primary function of milk teeth is to aid food digestion. Without them, a child’s growth and development would be affected. Secondly, milk teeth serve to maintain space for the proper alignment of the adult teeth. The loss of these teeth prematurely would have a direct impact on the order in which the permanent teeth erupt and the position they occupy in the mouth. This could lead to crooked teeth later in life. Hence, when milk teeth are lost prematurely a space maintainer is often recommended. Thirdly, having crooked teeth will impact upon dental hygiene as it is often harder to clean them. This would put the child at more risk of tooth decay and gum disease. Fourthly, a child learns to speak during the milk teeth phase. Without these teeth, a speech impediment may develop. Having a speech impediment and crooked teeth may affect the developing psychology of your child.

13. Try and get your child to use an electric toothbrush as they have been shown to be at least 25% more effective at removing plaque than manual toothbrushes and many children enjoy the fun sound and feeling of the electric toothbrush. They can be helpful for children who are not yet coordinated enough to brush thoroughly with a manual toothbrush (usually children under four years).Children under 10 should be supervised when using an electric toothbrush. The right toothbrush should always be chosen for the child’s age group

14. Flossing is effective in removing food debris and plaque from between teeth that bushing misses. Children can begin flossing from the age of four years and parents should be flossing their child’s teeth as soon as any two teeth touch. This could be as early as 2 years if the front teeth are in contact.

15. Foods rich in calcium, fluoride, phosphorous and vitamins, especially Vitamin C, can help to strengthen a child’s teeth. Starchy or sugary foods encourage plaque acid and tooth decay, and should be limited to mealtimes when the extra saliva produced helps to rinse food from the mouth. Calcium from dairy foods, canned fish, dark leafy greens helps to preserve the density of a child’s jaw bone making it better able to withstand erosion by bacteria. Phosphorous from meat and nuts aids bone and tooth formation. Fluoride from canned salmon and tea helps teeth to become more resistant to acid erosion. Vitamin C from citrus fruits helps to maintain the health of the child’s gums.

16. Fluoride is one of the best ways to prevent tooth decay. It works by strengthening the tooth’s enamel and making it more resistant to acid attack. Fluoride is therefore necessary to keep teeth strong, but only at appropriate levels. Fluoridated toothpaste can be introduced when a child is capable of spitting, usually at two to three years of age. Below the age of six, children should use only a pea-sized amount of fluoride toothpaste and care must be taken that they do not swallow the paste. Excessive ingestion of fluoride during tooth development may lead to a condition known as dental fluorosis. This problem presents itself later in life as areas of permanent staining, yellowing and mottling of the permanent teeth. This risk is lowered after the age of five since the front teeth are nearly formed.

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Five ways to use price comparison websites to save money

Guest post by Deborah May, freelance writer & mum

Price comparison services provide a convenient listing for consumers on the varying prices of specific products. In the UK particularly, these services have been doing quite well over the last five years, gleaning anywhere from £120m ($185 million US) to £140 million ($216 million US) in revenue, with an annual growth rate of between 30 to 50%.

These shopping portals evolved in the late 1990s, responding to the influx of people who began to use the internet as a shopping source. They worked in the same fashion as the American Yellow Pages initially in that retailers paid a fee in order to appear on a list of very specific product genres. Subsequent technological advances have forced these shopping portals to become more comprehensive as they search and retrieve data from each retailer site rather than utilising aggregate data provided by the retailers themselves.

What are some of the things a consumer can save money on with these shopping portals? Five important areas include hotels, insurance, travel, energy and holidays.

Where hotels are concerned, you can use Asda Discount Codes and Asda Discount Vouchers to gain discounts on more than 65,000 hotel rooms. Make sure all of the specific terms and conditions specifically stated in any discount code or voucher are met, and watch out for expiration dates and/or minimum spending requirements.

According to Martin Lewis of MoneySavingExpert.com, comparison shopping sites only partially cover the car insurance market. In order to examine a decent cross-section of providers, at least three sites should be consulted in the following order: Moneysupermarket.com, Confused.com and CompareTheMarket.com.

It is important for the consumer to note that estimated price quotes from Moneysupermarket are based on a short form while those from the other two sites are actual quotes. Consumers should seek quotes by plugging in every conceivable description as the wording can make all the difference. (For example, a lawyer could be charged less than a solicitor even though they are both the same thing).

For home insurance, Martin Lewis recommends four sites: Confused.com, Moneysupermarket.com, CompareTheMarket.com and GoCompare.com.

Many other products are simpler to find on comparison-shopping websites. For example, switching an energy provider is easily accomplished by going to where the suppliers are listed. In the UK they are: Energyhotline.com and uSwitch.com. You can also earn a £15 cash-back bonus if you access Energyhelpline.com via Moneysavingexpert.com. Those seeking to switch energy providers might do well to check the website energywatch (http://www.energywatch.org.uk), which publishes complaints against each supplier. Remember too, that with energy providers, the best price does not necessarily indicate the best value.

Some of the best travel and holiday comparison shopping websites include: Expedia (http://www.expedia.com), Trivago (http://www.trivago.co.uk/), Travel Supermarket (http://www.travelsupermarket.com/), Travelocity (http://www.travelocity.co.uk/), SideStep (http://www.sidestep.com/), Hotels Comparison (http://www.hotelscomparison.com/), Cheap Flights (http://www.cheapflights.com/), Cruise Prices Compared (http://www.cruisepricescompared.com/).

Comparison shopping websites can save you as much as £50 ($77 US) on some items, but like any tools, you must know how to use them effectively in order to achieve maximum results.

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Thrifty tips from around the web

This recurring section used to be called “blog highlights from around the web” but I’m changing it because it really is a tips roundup rather than a list of my favourite posts. Or I should say they are my favourite tips posts!

Anyway – here is a list of some of the most useful posts I’ve found in the past few weeks. The last thrifty tips post can be found here.

101 ways to save money from Monevator

The items worth buying at Poundland from the Telegraph

16 gadgets that will save you money from LoveMoney

Lessons from Toy Story 3 – Grow your pennies from infinity to beyond from Magical Penny

Avoid the pension pitfalls: Retirement experts’ top 10 tips from WalletPop UK

Make money selling cakes, jams and sweets from Money Magpie

17 alternative uses for toothpaste, from bee stings to cleaning rings from WalletPop

10 key characteristics of debt free people (of modest means) from Len Penzo

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Blog highlights from around the web

A roundup of useful posts I’ve found over the past couple of weeks.

To see the last roundup click here.

Back to school bargains from WalletPop UK

5 Money Lessons from the Third World from Wise Bread

7 Habits of Highly Frugal People from Money Ning

20 things you can get for under £5 from lovemoney.com

How to develop good habits from Brip Blap

5 ways to make money by going green from WalletPop UK

Oi! Fill that freezer from A Thrifty Mrs

Starting a Kitchen Garden from Five Cent Nickel

Five Questions About: Child trust funds from The Independent

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Aggregated group discounts with MySteal.co.uk

I’m a big fan of voucher aggregation sites, as you probably know. I’m also pretty fond of group couponing, which I’ve written about and which seems to have exploded recently across the UK.

Well, now MySteal.co.uk is combining those two lovely things (voucher aggregation and group couponing). The site provides users with a daily view of all the city deals in once place for 71 cities and counting. Ace!

Currently they are partnering with Groupon-MyCityDeal, Groupola, LivingSocial Townhog,  Wowcher, VivaVoucher, kgb-deals, Likebees, Wahanda, LondonsBest and mypiggyback. What the who? Right, I didn’t know there were that many of these sites out there.

I reckon you should bookmark this and give it a try. The sites are filled with the kind of deals that are nice to have rather than need to have (spa day anyone?) but there is always a possiblity of getting a thrifty date night or a seriously deserved massage at a rock bottom price.

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Site I’m Loving: Creature Comforts

Creature Comforts feels to me like when I walk into Anthropologie. It’s just filled with impossibly beautiful things!

EZ writes Creature Comforts and describes it as a blog “about celebrating the tiny details that make life so amazing and looking to find beauty in the unexpected.” Her daily inspiration posts are lovely and she also shares her etsy finds, favourite artists, mood boards, DIY ideas and her own beautiful pictures. You can even browse her blog by colour!

Elle Decoration UK recently featured EZ and she gave us a peek into her studio. Gorgeous, no?

You can really get lost in her site. Just remember not to make it feel bad about your own, less beautiful life! It’s meant to inspire you!

Here are a few of my favourite posts:

DIY: Repurposed Tins as Magnetic Organizers

Free Download: Printable Party Bunting and Cupcake Toppers

Colour Crush: Bright Pink

One Good Thing: Message-in-a-Cookie Cutter

Inspiration Daily: 6.25.10

Other sites I’ve been loving include Domestic Sluttery, Make and Takes and Old School.

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Blog Highlights from Around the Web

A roundup of useful posts I’ve found over the past couple of weeks.

To see the previous roundup, click here.

20 ways to save money this summer from the Telegraph

Saving money on cinema from Shopaholly

Make the most of your loyalty cards from lovemoney.com

5 financial principles for a seismic economy from Wisebread

Six top tips from Yorkshire’s thriftiest grannies from Miss Thrifty

9 ways to save money on home insurance from WalletPop UK

8 easy, simple and frugal home improvements from Home Ever After

One hundred ways to save money parts I, II, III, IV, V, VI, VII, VIII, IX from Notes from the Frugal Trenches

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