From simply cutting back on the easy things first, right through to thinking about how to protect your pension

Raising a child from birth to the age of 18 costs, on average, £166,000 for a couple, and £220,000 for a lone parent in 2023, according to Child Poverty Action Group’s annual cost of a child report. Affordability is regularly cited by people who would like to have children as a key reason for holding off doing so.