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If you can put aside small amounts of money each week or month, you'll be surprised how quickly your savings grow.

If you can afford to, invest your child benefit in a savings scheme for your children.

As long as their annual income (including interest) is below this amount, they won't be taxed on the interest earned.

There are various tax-free savings schemes available for children. You can invest between £25 and £3,000 per issue, per child.

But shares are more risky, so you'll need to weigh up your options carefully.

Talk to an independent financial adviser to find the best deal to meet your needs.

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It's good to try to put away some money for your little one’s future.

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Junior ISAs are available to children under 18 who do not have a child trust fund.

There are two types of junior ISA: Your child can have one or both types of junior ISA account.

The total amount that parents, friends and family can save into either one or both accounts is £3,720 a year.

Tax does not have to be paid on any interest or gains.

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