# Clever Mum Money — Family budgeting | Clever Mum > The Clever Mum money desk explains family budgeting, published parental-pay information and ways to compare shopping costs. Figures and scheme conditions can * [ Home ](/) * › [ Our Team ](/authors) * › Clever Mum Money CM # Clever Mum Money Family budgeting The Clever Mum money desk explains family budgeting, published parental-pay information and ways to compare shopping costs. Figures and scheme conditions can change; the linked official source or retailer provides the current terms. ## Covers * ✓ Family budgeting * ✓ Published parental leave and pay information * ✓ Comparing the full cost of baby equipment ## By Clever Mum Money [ Pregnancy ### Maternity Leave and Pay in the UK, Explained Simply UK maternity leave and pay: 52 weeks leave, 39 weeks SMP (90% then £194.32 in 2026/27), Maternity Allowance, Shared Parental Leave, and who should skip this. ](/pregnancy/maternity-leave-and-pay-uk)[ Pregnancy ### Return to Work After Maternity Leave: Your Rights, KIT Days and Flexible Working A practical UK guide to returning to work after maternity leave — Keeping in Touch days, your right to request flexible working, and what your employer must do. ](/pregnancy/return-to-work-after-maternity-leave)[ Baby ### How Much Does a Baby Really Cost in the UK? A realistic first-year baby budget for UK parents — the big-ticket items, the recurring costs, what’s genuinely optional and the smartest places to save. ](/baby/how-much-does-a-baby-cost-uk)[ Baby ### UK Baby Sales Calendar: What to Check Before Buying Plan UK baby purchases around retailer events. Compare unit prices, bundles, eligibility and delivery without relying on unconfirmed sale dates. ](/baby/uk-baby-sales-events-calendar)[ Family ### UK Childcare Funding Tools: 15/30 Hours, Tax-Free & Calculators UK childcare funding toolkit: 30 hours for working parents, universal 15 hours, Tax-Free Childcare, and which GOV.UK calculators to run first. ](/family/childcare-funding-uk-tools-15-30-hours)[ Family ### Nursery Extras on Funded Hours: What UK Providers Can Charge What English nurseries can legally charge on top of 15/30 funded hours — meals, nappies, trips — and when mandatory extras mean contact your council. ](/family/nursery-funded-hours-extras-fees-uk)[ Family ### How to Make a Will as a Parent: Guardianship, Probate & Protecting Your Children A UK parent’s guide to making a will — naming guardians, what a will should include, costs, mirror wills, probate and inheritance tax planning, in plain English. ](/family/making-a-will-parents-guide-uk)[ Family ### How to Change a Child’s Name by Deed Poll in the UK: The Complete Guide How to legally change a child’s name in the UK — consent rules, unenrolled vs enrolled deed polls, costs, and updating the passport and school. ](/family/change-childs-name-deed-poll-uk)[ Family ### Managing Your Children’s Money: JISAs, First Bank Accounts and Raising Money-Smart Kids Children’s money made simple — Junior ISA rules, a child’s first bank account, teaching toddlers about coins, and digital money for teens. ](/family/managing-childrens-money-jisa-bank-accounts)