92. Free to join: If you have children under the age of six, join the Early Learning Centre’s Big Birthday Club. It’s free and you will get a 20 per cent discount voucher a month before your child’s birthday.

93. Free dinners: Make your own baby food by pureeing fresh fruit and vegetables.

94. Exclusive offers: Mothercare will send you details of offers and discounts throughout the year if you register with them.

95. Second hand: Check out local charity shops for children’s toys, books, jigsaws and dressing-up clothes.

96. Make your own: Lolly moulds and lolly sticks are cheap to buy, so try making your own lollies this summer.

97. Buy own label brands: Try stores or supermarkets own labels to buy the same clothes at a fraction of the cost. If you wait for the sales you will save even more.

98. Get baking: Don’t buy birthday cakes from a shop. Have fun and make your own.

99. Family circle: Start a baby-sitting circle with reliable friends and family and save on baby-sitting fees.

100. Free ride: Attending theme parks is costly. Visit their websites to check for deals, and take your own picnic – don’t pay their expensive cafe/restaurant prices.

101. Sweet deals: Take your own sweets/drinks to the cinema.