Grandparents or other family members stepping in to care for a child, especially when it's unexpected, often find that it's difficult to make ends meet.

The arrival of a child in your home is likely to create immediate one-off expenses – items such as a bed, stairgate or pushchair. Then there are the ongoing expenses including food, clothing, toys and school related costs.

Taking on caring responsibilities, especially for a young child, can also affect your ability to work, and you may find that you have to give up work or reduce your hours.  You may also have to think about using savings you had set aside for retirement.

Money worries can cause stress and strain for everyone in the family. However, there is help and advice available if you are in this situation.  You may be entitled to claim benefits if you are on a low income. You can also get advice and help if you are worried about debt.

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If you're worried about money, you can always talk through your options with our advice service by calling 0300 123 7015 or emailing [email protected].