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Te Modern Family Family Finance & Legal Savvy saving


Smart ways to put money away for your family’s future. Words: Andy Hill


Promotional Content • Saturday 30th August 2025


MAKE YOUR MONEY GO FURTHER/GETTY R


aising children is joyful, exhausting — and expensive. But the earlier you start planning, the


easier it becomes to build a secure financial safety net. Te good news? You don’t need


to be wealthy — just consistent. From pocket money apps that teach real-life skills to cashback tools that quietly invest in your child’s future, these ideas show how small, regular habits can go a long way.


Get kids in the swim of things “Money’s a bit like swimming,” says Louise Hill, Founder of GoHenry, the kids’ money app and prepaid debit


card. “You can learn the theory, but until you’re in the water, it won’t stick. Children learn best by doing.” GoHenry helps kids learn to earn,


spend, save and invest in real time. “We’ve seen children set goals, delay gratification and even inspire their parents to start saving, too,” Louise says. Te app also includes a junior stocks and shares ISA, investing in one diversified fund. “We keep it simple — confusion puts people off.”


Start small — and start now When it comes to saving for your child’s future, starting early is key. “Even £25 a month from birth can grow to over £15,000 by the time they


Family & Children Law specialists


turn 18,” says Saq Hussain, founder of financialeducation.co.uk and former head of financial wellbeing at PwC. A common pitfall, Saq says, is


waiting until you can afford bigger deposits. “Time in the market beats timing the market every single time.” To improve success, automate your


savings. “In my workshops, parents who set up direct debits did far better than those trying to save manually,” he explains. Saq recommends starting with


a junior ISA, which allows family and friends to contribute tax-free. For longer-term growth, consider premium bonds or, for children with earnings, a junior SIPP.


Make your everyday spending work harder Imagine if every weekly supermarket shop or coffee run chipped in towards your child’s future? Tat’s the idea behind Kaldi, a new payment and cashback app that lets families invest as they spend. “You’re not buying anything extra,”


says Saq’s co-founder Mark Burges Watson. “You’re just redirecting a slice of your usual spending — say £2.50 from a £100 grocery shop — into something with long-term value.” Users set savings goals, such as a


house deposit or junior ISA, and Kaldi calculates what they’ll need to save each month. Family members can


link their accounts to pitch in, too. “You can connect up to five people and it’s all automatic after setup,” says Mark. Because funds are invested,


returns can be powerful. “Saving just £25 of cashback a month could grow to more than £200,000 by retirement*,” Mark adds. “Tat’s the power of compounding.” *Disclaimer: £200,000 illustration


based on initial investment of £50, then £25pcm from 18-67, with average returns of S&P over last 30 years, 9% (source: Investopedia) minus Kaldi total fees of 0.37% returning £200,158. Based on a representative investment in a higher risk index fund on Kaldi.


GT Stewart Solicitors is a


renowned multi-service law firm committed to access to justice for its clients who are based across the globe, representing them in proceedings in England & Wales. In addition to Family and Children Law, it offers a number of different services benefiting the family unit as a whole. Its staff are consistently recog-


nised in key legal directories and legal awards, reflecting real-world success in safeguarding children and guiding families through the toughest legal challenges, whatever the complexity. GT Stewart Solici- tors’ specialisms include: • Cases involving the most serious child abuse allegations involving non-accidental injuries (NAI), sexual abuse and fabricated induced illness (FII)


• National & international disputes centred children


on arrangements


ents come from all walks of life. With


additional expertise for


• Domestic abuse protection • Matrimonial & relationship advice GT Stewart Solicitors’ cli-


and


training, the team represent neu- rodivergent clients, vulnerable cli- ents, those with learning difficul- ties and children.


Digital connection and real-life balance for families


In today’s fast-paced world, mod- ern families juggle work, educa- tion and daily responsibilities across multiple generations — and digital tools have become vi- tal in keeping family life connect- ed, organised and resilient. Technology, when used inten-


tionally, can act as a lifeline rather than a distraction. Young children build early literacy through inter- active games; teens collaborate on school projects and manage assignments through shared tools. Older children stay in touch with home through messaging and vid- eo calls. Tools like location-shar- ing apps, when introduced with openness and mutual agreement, can offer families peace of mind and strengthen trust. Used well, they enhance rather than invade. Families can thrive when tech-


nology is seen as a shared space. Collaborative planning, virtual catch-ups with extended family and coordinated digital calendars all support smoother routines and stronger connections. Equally important are screen-


Speak to a specialist today: Scan the QR code or visit gtstewart.co.uk/family-law Call: 020 8299 6000


free moments — mealtimes, out- door activities and family games — that balance digital engagement with real-world presence. Empow- ering families means supporting them to use digital tools positive- ly, while encouraging open, age- appropriate conversations about online safety, wellbeing and dig-


ital boundaries. Tis is where ECP Safeguarding can help. When guided thoughtfully, technology becomes a tool for connection, not control.


Visit: ecpsafeguarding.co.uk E: info@ecpsafeguarding.co.uk


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