Mums who are working are usually entitled to Statutory Maternity Pay for 39 weeks of their maternity leave. This may be less than your normal pay – speak to your employer. If you have a low income or are self-employed you may still get a Maternity Allowance.

Dads are entitled to Statutory Paternity Pay for up to two weeks. This may be earnings-linked or a flat rate, whichever is less.

The Directgov website offers personalised guidance on maternity/paternity pay. Check the links below for information on specific benefits. For a summary of all of your entitlements, visit the Money Made Clear website .

1. Child benefit is currently paid for each child.
2. Tax credits and Working tax credits are also available if your   family income is below a certain threshold.
3. Make the most of your entitlement to free dental care and eye checks as a pregnant or new mum.

“The real cost post baby has been childcare and we have found ways to both work flexibly and more part time in order to share the childcare until our son was 2. From then 2 days a week at a private local nursery and we have some support from Tax credits for childcare.” - Lisa, Hertfordshire.