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I didn't want to have to worry about money while I was on maternity leave, and as I've always been financially independent, I didn't want to rely on my husband either.

So I started saving while I was pregnant. I stopped going out as much and went on fewer shopping sprees and soon saved £4,000! I also invested in premium bonds, which are great as they can be cashed in at any time.

Obviously, I still had to be careful with my money but it got me through my six-month maternity leave and was one less thing to worry about.
Rachel Cooke, 36, from Brighton, mum to Julia, 5 months

By Rachel Cooke

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