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Having three children under 5 means we have to keep an eye on what we spend. It's easy to waste money, as they grow out of clothes so quickly and, apart from a few favourites, get bored with their toys.

So I joined a toy library, which is attached to our community centre. It works just like a normal library - and has saved us a fortune.
Nicola Hawker, 27, from Shropshire, mum to Evie, 5, Jess, 3, and Cissy, 4 months

By Nicola Hawker

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