that your baby's first year comes with a £5000 price tag.So products that will save you time and money are a lifesaver. And if they do their bit for the environment too, it's even better.Your money, time and energy saverBath time is one of those precious

, as well as trying to educate children about money, saving, and financial planning. The CTF is a savings and investment account for children who were born after 1 September 2002 (unfortunately children born before 1 September are not eligible

to start this company in order to offer good quality affordable maternity clothing, after all the more money you save on maternity wear, the more you will have to spend on your baby. So there's no more waddling up the High Street now you can buy your

registered CTF provider, like F&C Investments.Every fund can be topped up by families or friends, up to a maximum limit of £1,200 a year.Any growth is tax-free which means more for your child.The fund is in the child’s name and the money cannot be accessed

.sainsburysbank.co.uk/moneymatters/articles/houseandhome_competition_best_money_saving_tips.shtmlRebecca Ash, author of The Spend Less Revolution, studied philosophy, French and psychology, then spent the first years of her working life in China living on £80 a