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If you don’t live in an area where universal credit is being piloted, you can still apply for tax credits and some benefits separately.It’s expected that most families who receive tax credits and benefits will move on to universal credit by 2017. Child benefit is £20.30 a week for your first child and £13.40 a week for subsequent children.

If you’re pregnant and an employee, you may be entitled to Statutory Maternity Pay (SMP). You can claim maternity pay if: SMP is paid for a continuous period of up to 39 weeks.

For the first six weeks you will be paid 90 per cent of your average weekly earnings with no upper limit.

Finding your way through the maze of government financial support can be tricky.

There are also major changes being introduced as part of the government overhaul of the welfare system.

All Paid users can message and post and they also have added benefits.