If the finances are holding you back from having another child - you’re not alone. 90% of the Nugget community said that they were concerned about the financial reality of growing their family.

And it’s no wonder - it can be hard to catch a break after a sustained period of low income during parental leave, followed by high childcare costs when you return to work. Plus you may have to move house to have enough room for another child and you may have to deal with childcare costs you didn’t have the first time around.

 But having a child can be a time limited prospect… So what's the solution?

How do you afford baby number 2?

We will be looking at:

👉What maternity pay will you get a second time around?

👉How to manage childcare costs on maternity leave

👉 What you need to think about before going on your second maternity leave if you need a bigger house / to remortgage

👉Avoiding the pension gap

👉Why playing the just below £100k game will be even more important when you have baby no 2

👉How to avoid the flexible working trap

👉Is there a perfect age gap between children for your finances?

Returning to work after a long period of maternity leave can be really daunting, particularly when you feel like a different person to who you were before the baby!

This masterclass provides loads of tips & tricks for creating a smooth return to work and building your confidence.

We’ve teamed up with Return To Work Coach Clara Wilcox who will be teaching you how to take control of your return to work by creating a 7 point work induction.

Team Nugget will be taking you through your rights returning to work, navigating settling your child into childcare and requesting flexible working with your employer.​

This masterclass will cover...

• The importance of a return to work-induction 💼

• How to create boundaries with your employer to ensure work life balance

• How to use KIT days to create a smooth return

• The 7 key areas to consider as part of your plan ✅

• Build your toolkit to have a positive return to work 💪

• How & when to apply for childcare schemes

• Settling your child into their childcare setting 🧸

• How to navigate child sickness 🤢

• Your rights returning to work including breastfeeding ⚖️

• How to apply for flexible working ⏰

There are two main schemes designed to help you manage childcare costs in the UK: funded childcare hours and Tax-Free Childcare.

In England, working parents can access up to 30 hours of funded childcare starting from when their child is just 9 months old, a benefit that can save families up to £8,000 a year. When combined with the Tax-Free Childcare scheme, these initiatives can slash your monthly expenses by hundreds of pounds.

However, getting there isn't always simple. There are strict eligibility criteria to navigate, crucial application deadlines to meet, and varying rules depending on whether you live in England, Scotland, Wales, or Northern Ireland.

What We’ll Cover in This 1-Hour Masterclass:

• Who qualifies for funded hours and Tax-Free Childcare in the UK.

• What adjusted net income means and how to calculate it.

• How and when to apply for both schemes to avoid missing deadlines.

• What happens to your childcare benefits during maternity leave or redundancy.

• How Universal Credit interacts with funded hours.

• The logistics of hiring a nanny and transitioning your child into care.

• How to use the Workplace Nursery Benefit to slash your fees by 40%.

⚠️Is this session right for you? Please note that this masterclass is tailored for those earning under £100k due to specific scheme caps. If your income is £100k+, this particular session won't be suitable—but we’ve got you covered! You might find our previous session with wealth manager & financial coach Philly Ponniah much more relevant.

Date: 27th May

Time: 7.30pm

Location: Zoom

Did you know 1 in 10 mums set up their own business after maternity leave? Having a baby tends to shift your perspective on what’s actually worth your time, and for many of us, the traditional 9–5 just doesn't fit the new reality.

But how do you actually make the jump and build a successful business that replaces your old income, sustainably?

We’ve teamed up with Alice Gregory, who used maternity leave as the opportunity to start building a business of her own. After deciding not to return to the traditional 9–5 route, she began creating multiple income streams through self-employment while navigating motherhood at the same time.

This session is a realistic look at the highs, the lows, and the 'how-to' of starting a business after a baby.

In a world full of 'passive income' fluff and MLM pitches, consider this the honest antidote. No rose-tinted glasses. Just reliable advice, recent experience, and the actual steps you need to take to make it work for you.

In this masterclass you will learn:

• Preparing financially and mentally before maternity leave

• The expectations vs reality of becoming a self employed mum

• Navigating changing priorities after having a baby

• The thought process behind not returning to a traditional 9–5

• Starting self-employment work during maternity leave

• The realities of balancing work around a baby

• Early income experiences, finances and uncertainty

• Managing the emotional highs and lows of self-employment

• How a freelance business can evolve over time

• The biggest challenges, lessons and highlights from the journey

• Honest reflections on motherhood, work and flexibility