Financial blogger Claire Roach, 39, lives near Cardiff, with her partner, Luke, 37, a bricklayer, and their children, Ashleigh, 20, Joe, 15, Rosie, 12, and four-year-old twins Esme and Lola.
She says, “As a mum of five, I have to budget. My motto is a penny saved is a penny earned. I’ve always had an emergency fund and believe that everyone should put a little bit away each month – even if it’s only £10 – so they have a little pot of money for absolute emergencies. You can do it in a penny jar – saving loose change and the odd note – or by direct debit the day your salary is paid.
“Food is the biggest expense for most families. Never waste anything, make a weekly meal plan…
