Looking to the future


Well you know what they say once you have children your life will change forever and there really is no truer saying. Before John and I started a family we pretty much only thought about ourselves, not in a selfish way but just in the way that twenty somethings with no real responsibilities do but the day I found out I was pregnant with Mr A that way of thinking immediately changed. Suddenly your responsible for another persons life and future which it's a pretty daunting prospect. One of the first things I did when I had Mr A was get a life insurance policy, just incase anything should happen and that way he would at least have something to help him out when he comes of age.

I also started looking at ways to save and invest my money and be able to build up some kind of nest egg should he want to go to University or travel or simply to go towards a car or deposit on a house as in the past I have had some help from my parents and would love to be able to do the same for the both of them.

I think feeling secure as a family unit is not only just about your personal relationship with each other but also about the practical side of things such as your finances, health and job roles and it's also not surprising that finances can cause a lot of extra stress if you don't stay on top of it. When setting up a savings account for Mr A we looked at a variety of options, we wanted something that we could invest in for the longterm, that would grow slowly and safely and only become his when he turns 18.

Easy and straight forward way to invest

Now that we are looking at setting up something similar for baby G we are looking at what other options there are and we don't feel restricted by going with the same one as Mr A as technology has moved on and his being with a community building society we don't have access to an online platform which we would love and really like the look of something like Nutmeg which offers a variety of options and a really easy interactive and straight forward online platform that gives you real insight into what you savings will accrue in interest. It also has a handy goal and portfolio planner and with these kind of ISA's you also have access to your money at anytime so your not fixed into anything.

There are some great reasons what newer online platforms like Nutmeg are great for investing

1. The are aimed at people who are not financial wizards buy making it very simple and easy to understand as well as low risks and low fees.
2. You choose how much you want to invest and set your own goals
3. The portfolio is then based on your specifications giving you control

As with anything to do with parenting it's all bit trial and error but at the end of the day it's important to me that I have something in place for my boys should they need it in the future and being able to see progress and have access to our savings is a great bonus. Having this peace of mind gives us freedom to explore and enjoy all our adventures without worrying.

This is a collaborative post


  1. A responsibility for sure, but what a joy too. Trying to put some money away for a rainy day is always a good idea.

  2. We've got some NS&I bonds for our two but this looks interesting. We're already thinking about how we can save enough for university fees (if they want to go!) . That's one of the challenges of being older parents - balancing retirement planning with the needs of growing kids. I was one of the last lucky generation to get a grant, not that it went very far.


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