When: 7.30pm 27th Aug

Where: On Zoom

"I don't think we can afford another baby."

If that thought has crossed your mind, you're not alone. 90% of the Nugget community told us the same thing: money is the main reason they're hesitating on baby number two.

And it makes sense. You've likely just found your feet after a stretch of low income on maternity leave, childcare costs are already stretching things, and now you're weighing up doing it all again… maybe alongside a house move, remortgaging, or costs you didn't have first time round.

But "can we afford it" is rarely a yes-or-no question. It's a "how" question, and most people just haven't sat down and worked out the how yet.

Having a child is time-limited. Not knowing the numbers shouldn't be what decides it for you.

So, how do you actually afford baby number two? Join 165+ parents who've already done this masterclass!

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?

✅ Recording available if you can’t make the live

🙋🏻‍♀️ Time for your questions at the end

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

It’s an unfortunate truth that many women in the UK face discrimination during pregnancy and maternity leave.

Recent studies reveal a significant issue: as many as 74,000 women each year are estimated to lose their jobs due to pregnancy or maternity leave.

This makes it absolutely crucial to understand your rights, recognise discriminatory behaviour, and know what steps to take if it happens to you.

To help you navigate these challenges, we're hosting a masterclass with Clare Chappell, our resident Nugget employment lawyer and Laura (AKA Worn out Working Mum).

Clare has over 24 years of experience specialising in pregnancy and maternity discrimination, Clare will provide essential insights into the protections you have during parental leave.

Laura has gained a significant following for her raw and honest perspective, especially after sharing her personal journey of being made redundant shortly after returning to work following the birth of her baby. She is passionate about helping other women in the same predicament and uses her platform to support & advocate for working parents.

There will be a dedicated Q&A session at the end, and if you can't attend live, a recording will be sent out the following day.

The Legal Bit:

• A breakdown of your rights from pregnancy through to your first six months back.

• When is redundancy legal, and when is it a "sham"? We look at the specific criteria for being made redundant during or after leave.

• What counts as pregnancy/maternity discrimination in 2026?

• When to instruct a lawyer, an honest look at costs, and where to access free advice.

• What happens to your access to tax free childcare/childcare funding and how a redundancy payout might affect your eligibility

Navigating redundancy in reality: 

• Why your gut is your best early warning system.

• Identifying the subtle signs of being sidelined 

• How to document everything and communicate with HR when you feel targeted (without losing your cool)

• Navigating the "emotional fallout" of being made redundant.

• How to pivot, rebuild your professional identity, and regain your voice after a "huge knock."

Please be aware that this masterclass is provided for educational and informational purposes only. It is not intended to be, and should not be taken as, legal advice. For specific legal guidance, please consult with a qualified legal professional.

"What, is that all I get?"

That’s the gut-punch most parents feel when they realise how little maternity pay actually covers. Bills don’t pause. Life doesn’t get cheaper. But there are ways to ease the pressure - and unlock money you’re probably missing out on.

This masterclass runs through:

• Create a compelling business case to ask for increased maternity/paternity pay

• Negotiate a better parental leave package (even if you're the first to ask)

• Use KIT days to your advantage to earn more without losing pay

• Understand if and how you can do self-employed or second job work during leave

• Claim benefits that most people miss but could significantly boost your income

• Navigate how pay rises, bonuses, and commission affect your leave pay

• Tap into underused financial hacks like marriage allowance and student loan refunds

This is for you if…

• You’re planning maternity leave or thinking about having a baby

• You’ve been shocked by how low your income will be during that time

• You’re financially anxious about the months ahead

• You want to feel in control of your money and know you’ve done everything you can

What makes this different?

This isn’t another fluffy “save on coffee” budgeting talk. It’s strategic, legally aware, and focused on results.

You’ll leave knowing:
✅ Exactly what to ask your employer for
✅ How to claim money you didn’t know you were owed
✅ What steps to take this week to make your maternity leave more financially secure

Being self-employed and taking parental leave has it’s own set of unique challenges. How do you keep a business AND a baby alive? 

Maternity allowance is restrictive & even lower than statutory maternity pay - how can you financially survive? 

We’ve teamed up with Frankie Tortora, a freelance graphic designer, mum of two and founder of Doing It For The Kids - a community by and for parents who work freelance - to host a masterclass addressing the specific needs of freelancers and business owners who are embarking on parenthood.

What you will learn:

• Essential things to do before taking leave & how to maximise your income before & during

• How mat leave and pay differ for sole traders vs limited companies

• How to keep your business ticking over while you’re not working

• KIT Days: How many do you have available and how you can use them

• How working on Maternity Allowance affects your maternity pay

• Claiming child benefit & Universal Credit whilst on maternity leave whilst self employed

• How self-employment works with childcare schemes

Negotiation: an underrated way to make parenting more affordable. This often-overlooked strategy can boost your income during maternity leave, help you qualify for government childcare support by staying under certain thresholds, and improve your long-term financial outlook.

We’ve teamed up with financial coach and ex-wealth manager Philly Ponniah to deliver the ultimate session on how to negotiate with your employer. Learn a tried and tested framework on how to negotiate, full of tips to improve your confidence while negotiating. Nugget will be running you through how to negotiate your parental leave package at work, utilising data from the Nuggbase (the UK’s biggest database of parental leave policies). We will also outline your rights to pay rises and promotions whilst on maternity leave, so you don’t miss out on any opportunities that are rightfully yours.

The money reality of going on your maternity leave can be daunting. For most people it involves a heavy reduction in household income, with 26% of women falling into debt over this period. How do you navigate this, whilst enjoying the time with your newborn baby?

We’ve teamed up with Clare Seal - money expert who has been through this all before (three times!). Nugget will share their tips on how to create an effective baby budget, discuss ‘uncomfortable’ money truths with your partner and ensure you are claiming every government benefit you are entitled to, to boost your income over this time. Clare will look at how you practically manage your money with less of it going around, how to avoid common overspending traps & share a few ideas on how you can earn & save during your mat leave. 

Join us to step into your maternity leave feeling confident about the money side of it - rather than dreading it. 

This masterclass will teach you...

• Money conversations to have with your partner before you have a baby 💸

• How to create a baby budget 👶

• Benefits to claim and boost your income 💰

• How to manage your money on a reduced income ⬇️

• How to avoid overspending at an expensive time 🤑

• Tiny ways to earn and save money on mat leave 👩🏽‍💻

Shared parental leave can be an amazing experience for parents and pave the way for equal parenting in the future.

However - it’s notoriously difficult to understand and employers often aren’t much help with organising the leave. 

You often have to deal with two employers and two separate parental leave policies.

• How do they interact with each other?

• How do you make sure you’re following all the rules (there are so many 😅)?

• And crucially - how do you set it up so it makes financial sense for your family?

We’ve teamed up with Tom Stenner-Evans - employment lawyer and father who was the first person to take shared parental leave at his law firm.

We’ll be walking you through how it all actually, practically works & share Tom’s experience of taking the leave. This is a session to bring your partners to!

What you will learn:

• Eligibility for shared parental leave 

• How does it work and can your employers refuse?

• Which person's HR needs to sort this out?

• Can both parents be off at the same time?

• What's the best way to maximise pay on shared parental leave?

• What are SPLIT days and can you use annual leave on SPL?

• What legal protections do you have if you take SPL?

• What are your legal rights when you return to work?

• Why should men in particular take advantage of SPL?

In this session, we are honing in on the finances for high earners once you are returning to work.

If you or your partner earn over 100k you lose access to government childcare schemes. With 30 funded hours coming into play this September in England, losing out on this childcare help will become more painful than ever.

• What are the rules around net adjusted income?

• How much should you sacrifice into your pension before it stops becoming worth it?

• Should you reject your pay rise or go part-time?

• Are workplace nursery schemes a silver bullet for high earners?

• How do you weigh up your options?

We’ve teamed up with Philly Ponniah, Chartered Wealth Manager and financial coach to deliver a session tailored to these concerns. We will also be looking at estate planning once you’ve had a baby, and how to set your child up for financial success.

Suitable for those earning between £80,000 - £140,000 individually

Funded childcare spoken about refers to England. You can use the same principles to become eligible for tax-free childcare, which is UK wide.

What you will learn:

• What childcare schemes are available

• What to look out for when you earn around 100k re-funded hours and tax-free childcare

• How do you work out whether reducing your salary for childcare schemes is worth it?

• Should you go part time to access childcare benefits?

• Flexible working requests

How do you build wealth for your children? 

The world of investing can seem murky and confusing, so we’ve teamed up with award-winning Family Wealth Manager and founder of MIA: the UK’s first female-led investment app to deliver a straightforward session on how to get started.

Most parents wish they started sooner, here is your chance to get ahead! 

This session will teach you five steps to give your child a financial head start:

1. Laying the Foundations: the importance of an emergency fund

2. Choosing the Right Child Accounts: cash vs investing

3. Making the Most of Tax-Efficient Incentives: clever ways to save tax and benefit from bonuses 

4. Getting Family & Friends Involved: turning the head on traditional gift giving and (never ending!) plastic toys 

5. Staying on Track: setting & achieving goals e.g university fees, their first house deposit or even their retirement! 

More about our host Sophia Jarvis: 

Sophia is an award-winning Family Wealth Manager, who spotted a gap in the market and founded Mia: the UK’s first female-led investment app designed to help modern families and loved ones easily contribute towards children’s future milestones like university, their first house deposit and even their retirement. 

As a mum-to-be, Sophia understands firsthand the worries and challenges parents face when navigating their child’s future, particularly mums - an underserved group in today’s financial services and a community Mia is designed to support. 

Sophia is passionate about helping parents and loved ones give children a financial head start in life. Sophia’s expertise and insights have been featured in FemaleInvest, HELLO, The Times and FT Adviser to name a few. 

We will be taking you through everything you need to get organised for your parental leave so you can enter 2026 feeling financially prepared for your baby.

When? 15th Dec @ 7.30pm

Online

We’ll be looking at KIT days, holidays, signing up for benefits, nursery and how to manage your money over your maternity leave. PLUS things to discuss with your employer before you go on leave.

🗣️ How to discuss finances with your partner

❓ Questions you need answered by your employer

🪄 Tips & tricks on how to increase your maternity pay

📆 How to use your holiday effectively

💰 What happens to your pension

🗒️ Getting your maternity exemption form

📅 When to apply for nurseries

What you will learn:

• Crucial conversations to have before your baby arrives

• Building a realistic baby budget to manage your finances

• Smart saving strategies for new parents

• Working out your maternity pay

• How to maximise your income during parental leave

• Uncovering financial support programs and benefit

• How to protect your pension after having a baby

This masterclass is perfect for those thinking about having a baby and expectant parents who want to feel financially prepared and confident as they embark on their parenthood journey.

If you can’t attend live, the recording will be sent the next day!

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 replay 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 is a masterclass recording, when you purchase you will be sent details on how to access the recording.