Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor the Order Kerni Whoaltbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through as this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.

Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor the Order Kerni Whoaltbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through as this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.

Let's get into it. She's on the Money.

Let's get into it. She's on the Money.

She's on the Money.

She's on the Money.

Hello, and welcome to She's on the Money podcast that lets you be perby about other people's money habits for educational purposes. Of course, this is my favorite episode of the week, Welcome back to Money Diarries, where we get to talk with one of our incredible She's on the Money community members all about their journey. Let's jump straight into it because this week we got a message and it sounded exactly like this. Hi, She's on the Money. Did you know that sentlink doesn't classify twins as multiples. That means parents of twins like me don't qualify for the multiple birth allowance, even though we have to pay for.

Hello, and welcome to She's on the Money podcast that lets you be perby about other people's money habits for educational purposes. Of course, this is my favorite episode of the week, Welcome back to Money Diarries, where we get to talk with one of our incredible She's on the Money community members all about their journey. Let's jump straight into it because this week we got a message and it sounded exactly like this. Hi, She's on the Money. Did you know that sentlink doesn't classify twins as multiples. That means parents of twins like me don't qualify for the multiple birth allowance, even though we have to pay for.

Literally two of everything.

Literally two of everything.

When our twins were born in twenty twenty, right in the middle of COVID, we were juggling double the costs formula, clothes, nappies, while also building our home and worrying about job security in the middle of a pandemic. Fast forward to now, and we've paid off our consumer debt, started investing for our future and our boys, who are now four years old, and built a budget we actually stick to. Automating our bills has been a game changer too. Thanks to She's on the Money, I've gained financial literacy, confidence, and the empowerment to invest in my future. Money Diarist, welcome to the show.

When our twins were born in twenty twenty, right in the middle of COVID, we were juggling double the costs formula, clothes, nappies, while also building our home and worrying about job security in the middle of a pandemic. Fast forward to now, and we've paid off our consumer debt, started investing for our future and our boys, who are now four years old, and built a budget we actually stick to. Automating our bills has been a game changer too. Thanks to She's on the Money, I've gained financial literacy, confidence, and the empowerment to invest in my future. Money Diarist, welcome to the show.

Thank you for having me. I'm happy to be here.

Thank you for having me. I'm happy to be here.

I am so excited. Low key.

I am so excited. Low key.

This is going to sound crazy to anyone but probably you. I would love twins, Like I just think that would be so fun. Like I know that that's probably a handful, and I'm sure you're going to tell me about this, but like, oh, if there was a way to be like, oh, if you do this so I have this supplement.

This is going to sound crazy to anyone but probably you. I would love twins, Like I just think that would be so fun. Like I know that that's probably a handful, and I'm sure you're going to tell me about this, but like, oh, if there was a way to be like, oh, if you do this so I have this supplement.

Victoria and you can have twins. I'd do it.

Victoria and you can have twins. I'd do it.

I'd absolutely do it. And you're like, Victoria's crazy.

I'd absolutely do it. And you're like, Victoria's crazy.

It's definitely double the love and double with cuddle, that's for sure.

It's definitely double the love and double with cuddle, that's for sure.

See, I just exactly. I just think it would be so cool. Anyway, let's do a money diary.

See, I just exactly. I just think it would be so cool. Anyway, let's do a money diary.

As always, we always start asking the question, what great would you give your money habits if I asked you to give them a grade from A through to F.

As always, we always start asking the question, what great would you give your money habits if I asked you to give them a grade from A through to F.

I reckon, I give myself probably a B minus.

I reckon, I give myself probably a B minus.

I like this. I like this. Tell me a little bit more. Now about your money story.

I like this. I like this. Tell me a little bit more. Now about your money story.

Okay, so, growing up, we certainly never went without, but money wasn't something that was openly discussed in our family. Our parents always bought my brother and I good quality footwear, good quality clothing, but we were taught the value of money and how to sort of make things last. We were never really threatened with being bought cheap and nasty things, but we were, I guess educated to look after our good school shares, look after our runners, look after our belongings, because things don't come for free.

Okay, so, growing up, we certainly never went without, but money wasn't something that was openly discussed in our family. Our parents always bought my brother and I good quality footwear, good quality clothing, but we were taught the value of money and how to sort of make things last. We were never really threatened with being bought cheap and nasty things, but we were, I guess educated to look after our good school shares, look after our runners, look after our belongings, because things don't come for free.

Yeah, that's absolutely fair. And how has that translated to your money story as an adult?

Yeah, that's absolutely fair. And how has that translated to your money story as an adult?

I think it's had a pretty good translation. I certainly never take anything for granted now, especially now that we're sort of on the other side of COVID and just how much anxiety there was in those couple of years. But I think nowadays my husband and I have definitely got a good concept of the value of money, not just because of how much things cost, but also making things last and not sort of succumbing to I guess trends and fast fashion and things like that.

I think it's had a pretty good translation. I certainly never take anything for granted now, especially now that we're sort of on the other side of COVID and just how much anxiety there was in those couple of years. But I think nowadays my husband and I have definitely got a good concept of the value of money, not just because of how much things cost, but also making things last and not sort of succumbing to I guess trends and fast fashion and things like that.

That is so fair, all right, I want to learn a little bit more. We were talking about your life and we're still, I guess talking about your money story. You mentioned at the very beginning of your email that you sent us, did you know that sendlink doesn't classify twins as multiples? What is a multiple to sent a link then, because like I would assume that multiple means multiple birth and that would be twins or triplets.

That is so fair, all right, I want to learn a little bit more. We were talking about your life and we're still, I guess talking about your money story. You mentioned at the very beginning of your email that you sent us, did you know that sendlink doesn't classify twins as multiples? What is a multiple to sent a link then, because like I would assume that multiple means multiple birth and that would be twins or triplets.

So can you please educate me?

So can you please educate me?

Because when I read that, I was like, turns out I am not very intelligent.

Because when I read that, I was like, turns out I am not very intelligent.

Well, I guess, yeah, as the name suggests, a multiple birth impliers birth in more than one child or adopting more than one child at a time. We didn't really know what to expect, obviously, finding out that we were having twins right at the beginning of COVID. But yeah, we thought we might have been able to get I guess a little additional support.

Well, I guess, yeah, as the name suggests, a multiple birth impliers birth in more than one child or adopting more than one child at a time. We didn't really know what to expect, obviously, finding out that we were having twins right at the beginning of COVID. But yeah, we thought we might have been able to get I guess a little additional support.

I would have assumed.

I would have assumed.

Yeah, I mean, so did I. But according to the websites, even though when I had to fill out the application for my twins birth certific because I had the tick that they were part of a multiple birth, but that doesn't really entitle us as twin parents to much more than.

Yeah, I mean, so did I. But according to the websites, even though when I had to fill out the application for my twins birth certific because I had the tick that they were part of a multiple birth, but that doesn't really entitle us as twin parents to much more than.

That, which literally makes no sense because it's literally double of everything.

That, which literally makes no sense because it's literally double of everything.

It's not like, oh, well, actually you are having.

It's not like, oh, well, actually you are having.

Two babies, but just buy one car seat because they can share, like they can't all of the big expensive things you need too of like a prem Great, now we need the double prem which is double expensive. Like what, so what does Centerlink think a multiple birth is triplets?

Two babies, but just buy one car seat because they can share, like they can't all of the big expensive things you need too of like a prem Great, now we need the double prem which is double expensive. Like what, so what does Centerlink think a multiple birth is triplets?

Cause are higher?

Cause are higher?

Oh okay, so because you only had two babies, that's not impressive enough.

Oh okay, so because you only had two babies, that's not impressive enough.

No, I guess growing and giving birth the two babies simultaneously, isn't it good enough?

No, I guess growing and giving birth the two babies simultaneously, isn't it good enough?

Oh my gosh. I want to ask about twins though. Was that a shock? Is that something that ran in your family?

Oh my gosh. I want to ask about twins though. Was that a shock? Is that something that ran in your family?

We do have twins in our family, A bit like you. I always thought it would be cool to have twins until I actually fell pregnant with twins, and it certainly was a shock. We found out very early on that we were having twins, so we had, I guess, plenty of time to prepare for that. I mean, I was very grateful to have fallen pregnant, but I also cried all the way home from the first ultrasound appointment.

We do have twins in our family, A bit like you. I always thought it would be cool to have twins until I actually fell pregnant with twins, and it certainly was a shock. We found out very early on that we were having twins, so we had, I guess, plenty of time to prepare for that. I mean, I was very grateful to have fallen pregnant, but I also cried all the way home from the first ultrasound appointment.

It would have been terrifying.

It would have been terrifying.

Yeah. Yeah, my parents didn't believe me that we were having twins when I told them. I thought I was joking, So it took several weeks for it to sort of fully sink in and then accept the fact. And at the time, we were living in a little two bedroom unit.

Yeah. Yeah, my parents didn't believe me that we were having twins when I told them. I thought I was joking, So it took several weeks for it to sort of fully sink in and then accept the fact. And at the time, we were living in a little two bedroom unit.

Oh no, and you were probably like, Oh, if we have a baby, we've got a two bedroom unit.

Oh no, and you were probably like, Oh, if we have a baby, we've got a two bedroom unit.

We can pop them in there. It'll be so easy. And then all of a sudden, your life would have been in a spin.

We can pop them in there. It'll be so easy. And then all of a sudden, your life would have been in a spin.

That was our plan to stay in our little two bedroom unit without one baby for a little while and then upsize when the time was ready. And then, yeah, two babies was a big shock. And I think within gosh, two weeks of finding out, we were off to the real estate agent to get an appraisals to sell our unit. But then trying to sell a unit in early twenty twenty, as I'm sure you can appreciate, it wasn't very easy to do.

That was our plan to stay in our little two bedroom unit without one baby for a little while and then upsize when the time was ready. And then, yeah, two babies was a big shock. And I think within gosh, two weeks of finding out, we were off to the real estate agent to get an appraisals to sell our unit. But then trying to sell a unit in early twenty twenty, as I'm sure you can appreciate, it wasn't very easy to do.

No, so what did you do it?

No, so what did you do it?

Thankfully? It took months to sell.

Thankfully? It took months to sell.

How stressful.

How stressful.

Yeah. So I got to the point when I was thirty five weeks pregnant. Oh no, we had.

Yeah. So I got to the point when I was thirty five weeks pregnant. Oh no, we had.

Just on thirty five weeks with twins. That's impressive, I think.

Just on thirty five weeks with twins. That's impressive, I think.

So I got to thirty six weeks in the end.

So I got to thirty six weeks in the end.

What do you mean you think?

What do you mean you think?

So?

So?

I know, thirty six weeks with twins, you are golden.

I know, thirty six weeks with twins, you are golden.

I was not very comfortable, I will say that much. I was horizontal for the last several weeks of the pregnancy. Oh no, Yeah, so we got to thirty five weeks and we just accepted an offer and we were ready to exchange contracts, and then the buyer pulled out.

I was not very comfortable, I will say that much. I was horizontal for the last several weeks of the pregnancy. Oh no, Yeah, so we got to thirty five weeks and we just accepted an offer and we were ready to exchange contracts, and then the buyer pulled out.

Excuse me, that is so rude.

Excuse me, that is so rude.

I know, a heavily pregnant woman doesn't want to buy to pull out of the sale of a home, so we're very upset about that. But then our agent was able to turn around and find another buyer on the same day who purchased the house site unseen? What?

I know, a heavily pregnant woman doesn't want to buy to pull out of the sale of a home, so we're very upset about that. But then our agent was able to turn around and find another buyer on the same day who purchased the house site unseen? What?

Yeah, the stars really aligned there.

Yeah, the stars really aligned there.

Yeah, the best outcome for us.

Yeah, the best outcome for us.

So you're saying the week before you had a baby, you sold.

So you're saying the week before you had a baby, you sold.

Your house two babies.

Your house two babies.

Yes, yeah, yep, sorry, But the week before you gave birth you were like, oh, I'm just going to sell the house.

Yes, yeah, yep, sorry, But the week before you gave birth you were like, oh, I'm just going to sell the house.

That's all good. No, I thrive under pressure.

That's all good. No, I thrive under pressure.

Yeah. I was on the phone to the solicitor I think a couple of days after the birth, in the hospital, just confirming everything was good to go. So there's no rest for the wicked.

Yeah. I was on the phone to the solicitor I think a couple of days after the birth, in the hospital, just confirming everything was good to go. So there's no rest for the wicked.

Oh my gosh, no way.

Oh my gosh, no way.

I kind of adore this, Like, tell me a bit more about having twins financially, So obviously when it starts or when you find out you're pregnant, is there any additional associated costs with having twins apart from all of the expected things like an additional car seat and two bacinets and all of that stuff, Like, is your pregnancy different financially.

I kind of adore this, Like, tell me a bit more about having twins financially, So obviously when it starts or when you find out you're pregnant, is there any additional associated costs with having twins apart from all of the expected things like an additional car seat and two bacinets and all of that stuff, Like, is your pregnancy different financially.

Yes, So, as you said, we had to buy two car seats at a double prem two bacinets, et cetera, et cetera. But because twins and multiples in general are considered a high risk pregnancy, there's a lot more appointments you need to have anti natally. So I was having appointments at the hospital with obstitrici every fortnight and then obviously that was covered by Medicare because that was through the hospital. But I also had to have four weekly ultrasounds. And because they're not just ultrasounding one baby, they're ultrasounding two babies. So I was charged for two babies. What.

Yes, So, as you said, we had to buy two car seats at a double prem two bacinets, et cetera, et cetera. But because twins and multiples in general are considered a high risk pregnancy, there's a lot more appointments you need to have anti natally. So I was having appointments at the hospital with obstitrici every fortnight and then obviously that was covered by Medicare because that was through the hospital. But I also had to have four weekly ultrasounds. And because they're not just ultrasounding one baby, they're ultrasounding two babies. So I was charged for two babies. What.

Yeah, it's double the cost for an ultrasound for multiples.

Yeah, it's double the cost for an ultrasound for multiples.

That was my experience. I don't know what that's the experience for everybody.

That was my experience. I don't know what that's the experience for everybody.

I'm just they really said we'll take them for a ride, like really said, you know what, We're going to kick them while they're down.

I'm just they really said we'll take them for a ride, like really said, you know what, We're going to kick them while they're down.

Yeah. And then when I reached thirty weeks, it was fortnightly ultrasounds after that because obviously the high risk of complications. So I eventually reached I think it's called the Medicare.

Yeah. And then when I reached thirty weeks, it was fortnightly ultrasounds after that because obviously the high risk of complications. So I eventually reached I think it's called the Medicare.

Safety in net, which is an achievement.

Safety in net, which is an achievement.

Yeah, yeah, I didn't have to pay any more for the ultrasounds, which was good.

Yeah, yeah, I didn't have to pay any more for the ultrasounds, which was good.

Oh my gosh, that is so stressful. So am I assuming that you went through the private system, then.

Oh my gosh, that is so stressful. So am I assuming that you went through the private system, then.

No, I went through the public health system.

No, I went through the public health system.

Right, and it was still out of pocket for ultrasounds and stuff like that.

Right, and it was still out of pocket for ultrasounds and stuff like that.

My ultrasounds were they weren't done at the hospital, they were done privately.

My ultrasounds were they weren't done at the hospital, they were done privately.

Yeah, okay, And is that because it gave you more peace of mind or is that the way it goes with twins, because I literally don't know how that would work.

Yeah, okay, And is that because it gave you more peace of mind or is that the way it goes with twins, because I literally don't know how that would work.

Yeah. I think I'm not entirely sure what the process was, but I know my GP was pretty adamant that I have my ultrasounds at this particular place because it was a women's health center with gynecologists and women's health sonographers there, and I was quite happy for that. Like, we were very luckily in a good financial position to be able to fund the ultrasounds ourselves. But they did add up at the same time.

Yeah. I think I'm not entirely sure what the process was, but I know my GP was pretty adamant that I have my ultrasounds at this particular place because it was a women's health center with gynecologists and women's health sonographers there, and I was quite happy for that. Like, we were very luckily in a good financial position to be able to fund the ultrasounds ourselves. But they did add up at the same time.

One hundred percent.

One hundred percent.

So what are we paying on average for a twin ultrasound? From memory? I mean it was four years ago.

So what are we paying on average for a twin ultrasound? From memory? I mean it was four years ago.

But yeah, from memory, I mean I was only paying the gap, but the gap I think was still maybe one hundred dollars each ultrasound.

But yeah, from memory, I mean I was only paying the gap, but the gap I think was still maybe one hundred dollars each ultrasound.

Oh my gosh, I feel like it adds up so quickly. And now therefore, which is so exciting. Is this still super super expensive or are there ways to cut costs with twins, like, I've got no idea, I've got nothing.

Oh my gosh, I feel like it adds up so quickly. And now therefore, which is so exciting. Is this still super super expensive or are there ways to cut costs with twins, like, I've got no idea, I've got nothing.

To compare it to, so I don't know what a singleton would cost. So we're more less out of nappies now, which is great, but I've got boys and they eat so much food, so our grocery bill has certainly increased exponentially. We're obviously having to navigate childcare as well, which we're very lucky to receive the childcare subsidy, so that and the second child subsidy because we've got two children in childcare, which is wonderful, but that obviously is a cost. And then birthdays and Christmas, you're buying two lots of presents, so we don't try and spoil them rotten, but we do try, and I mean, they're so young. We are trying to educate them on the value of things, like they've got bikes for their birthday this year, and we're trying to teach them that this was a big present and that Santum might bring the smaller presents this year.

To compare it to, so I don't know what a singleton would cost. So we're more less out of nappies now, which is great, but I've got boys and they eat so much food, so our grocery bill has certainly increased exponentially. We're obviously having to navigate childcare as well, which we're very lucky to receive the childcare subsidy, so that and the second child subsidy because we've got two children in childcare, which is wonderful, but that obviously is a cost. And then birthdays and Christmas, you're buying two lots of presents, so we don't try and spoil them rotten, but we do try, and I mean, they're so young. We are trying to educate them on the value of things, like they've got bikes for their birthday this year, and we're trying to teach them that this was a big present and that Santum might bring the smaller presents this year.

So yeah, that's fair, that is very fair. I love that I can definitely resonate with boys eating a lot, like I only have an eight month old, but He's already thirteen kilos and I genuinely look novel holding him.

So yeah, that's fair, that is very fair. I love that I can definitely resonate with boys eating a lot, like I only have an eight month old, but He's already thirteen kilos and I genuinely look novel holding him.

People are like, oh, is he walking yet? I'm like, baby, he can't even crawl.

People are like, oh, is he walking yet? I'm like, baby, he can't even crawl.

Yeah, he will eat a lot of food.

Yeah, he will eat a lot of food.

Yeah, please send help. How did my maybe just put away a whole risotto?

Yeah, please send help. How did my maybe just put away a whole risotto?

Like?

Like?

I don't know?

I don't know?

All right?

All right?

I want to ask some more money questions. Tell me what do you currently do for work? How much money do you earn?

I want to ask some more money questions. Tell me what do you currently do for work? How much money do you earn?

I'm a physiotherapist and I earn about one hundred and fifteen thousand dollars a year, which includes super.

I'm a physiotherapist and I earn about one hundred and fifteen thousand dollars a year, which includes super.

And can I be really pervy? What does your partner?

And can I be really pervy? What does your partner?

He earns about ninety thousand dollars a year?

He earns about ninety thousand dollars a year?

Very cool?

Very cool?

And tell me what are your current big money goals? What are you guys working towards.

And tell me what are your current big money goals? What are you guys working towards.

We're trying to pay down a mortgage like a lot of people are, and we're also hoping to save up for our first overseas family holiday in the next year or the year after.

We're trying to pay down a mortgage like a lot of people are, and we're also hoping to save up for our first overseas family holiday in the next year or the year after.

That's exciting. Where are you planning on going? What does that budget look like?

That's exciting. Where are you planning on going? What does that budget look like?

I haven't got that far yet. We're looking at Fiji. We've been considering New Zealand, but our boys just love the beach and I like to sitting by a swimming pool, and so do they.

I haven't got that far yet. We're looking at Fiji. We've been considering New Zealand, but our boys just love the beach and I like to sitting by a swimming pool, and so do they.

I have seen lots of people online going to Fiji, and I feel like that looks super kid friendly as well.

I have seen lots of people online going to Fiji, and I feel like that looks super kid friendly as well.

Yes, we just took them on our little holiday to the Gold Coast recently stated a lovely kid friendly resort which they just loved. So we're hoping to take a bit of a bigger leap and fly and I guess travel internationally as well.

Yes, we just took them on our little holiday to the Gold Coast recently stated a lovely kid friendly resort which they just loved. So we're hoping to take a bit of a bigger leap and fly and I guess travel internationally as well.

That's very exciting.

That's very exciting.

Another cost though, because they fly free under two, but now you're paying two seats for two four year olds.

Another cost though, because they fly free under two, but now you're paying two seats for two four year olds.

Yeah. Plus you've got to get passports as well, so that's another cost that we're factor in.

Yeah. Plus you've got to get passports as well, so that's another cost that we're factor in.

Oh my gosh, and they're so expensive now, passports are exorbitant. Yeah, all right, let's go to a really quick break on the flip side. I want to ask about you said that you were investing. We talked about your mortgage. I want to have a chat about that, and I want to know about your good and bad money habits, so guys don't go anywhere, all right, money direst We are back, and I need to know you said that I loved this part, so I'm going to read it out again. You said, Thanks to She's Other Money, I've gained financial literacy, confidence and the empowerment to.

Oh my gosh, and they're so expensive now, passports are exorbitant. Yeah, all right, let's go to a really quick break on the flip side. I want to ask about you said that you were investing. We talked about your mortgage. I want to have a chat about that, and I want to know about your good and bad money habits, so guys don't go anywhere, all right, money direst We are back, and I need to know you said that I loved this part, so I'm going to read it out again. You said, Thanks to She's Other Money, I've gained financial literacy, confidence and the empowerment to.

Invest in my future. Tell me about that investing journey.

Invest in my future. Tell me about that investing journey.

Well, we've recently, I guess, took the plunge and still dealing with a little bit of analysis paralysis in terms of investing. I've obviously been a long term listener of the podcast and I've read the investing book. Thank you.

Well, we've recently, I guess, took the plunge and still dealing with a little bit of analysis paralysis in terms of investing. I've obviously been a long term listener of the podcast and I've read the investing book. Thank you.

That's very fun.

That's very fun.

In the last couple of probably the last twelve months, we've started investing in ETFs through Vanguard.

In the last couple of probably the last twelve months, we've started investing in ETFs through Vanguard.

How good.

How good.

Yeah, So, I know it's baby steps. You got to crawl before you walk, but we're happy that we finally got our foot in the door. And I guess I'm just trying to live by the saying it's not about time in the market, it's just time in the market.

Yeah, So, I know it's baby steps. You got to crawl before you walk, but we're happy that we finally got our foot in the door. And I guess I'm just trying to live by the saying it's not about time in the market, it's just time in the market.

I love it, and I love that you're like, oh, they're baby steps.

I love it, and I love that you're like, oh, they're baby steps.

But then also I was a financial advisor and like most of my portfolio is ETFs, so like it's actually the same steps that someone established would be making. But you're like, oh, this maybe I need something bigger and better, And then you realize you're actually fully doing it.

But then also I was a financial advisor and like most of my portfolio is ETFs, so like it's actually the same steps that someone established would be making. But you're like, oh, this maybe I need something bigger and better, And then you realize you're actually fully doing it.

Properly. Yeah, I love that so much.

Properly. Yeah, I love that so much.

All right, talk to me about this mortgage. When did you get it, what did it look like? And then after I'm going to touch on consumer debt.

All right, talk to me about this mortgage. When did you get it, what did it look like? And then after I'm going to touch on consumer debt.

Okay, So we got our mortgage in twenty twenty one. We bought our land and built a house and at the time we got the home builders grant from the government, which was fantastic. So at the time of final draw down, we had a mortgage for I think six hundred and six thousand dollars and then we managed to pay that down over a couple of years down to five eighty five cool. Nice, Yeah, And then only in the last couple of months we finally took the plunge and bought ourselves in your family car. So we borrowed against the equity in our house.

Okay, So we got our mortgage in twenty twenty one. We bought our land and built a house and at the time we got the home builders grant from the government, which was fantastic. So at the time of final draw down, we had a mortgage for I think six hundred and six thousand dollars and then we managed to pay that down over a couple of years down to five eighty five cool. Nice, Yeah, And then only in the last couple of months we finally took the plunge and bought ourselves in your family car. So we borrowed against the equity in our house.

How smart, because the interest rate would be lower than a car loan.

How smart, because the interest rate would be lower than a car loan.

Yeah, they lowered it down so weirdly enough, our interest rate I think at the time was six point five percent, and then when we borrowed went into the bank and we borrowed against the equity in our house and they lowered it down to six point two percent.

Yeah, they lowered it down so weirdly enough, our interest rate I think at the time was six point five percent, and then when we borrowed went into the bank and we borrowed against the equity in our house and they lowered it down to six point two percent.

Yeah, thank you, thank you.

Yeah, thank you, thank you.

It's because the car like obviously isn't a secure asset, but the house is, so you end up in a sweeter position, which is kind of nice.

It's because the car like obviously isn't a secure asset, but the house is, so you end up in a sweeter position, which is kind of nice.

You probably weren't expecting that one.

You probably weren't expecting that one.

Not at all. So Imorga is currently sitting at six hundred and forty seven thousand.

Not at all. So Imorga is currently sitting at six hundred and forty seven thousand.

That's exciting, it's eyewatering.

That's exciting, it's eyewatering.

So yes, But at the same time, it sounds like you're very across what that looks like. And I'm assuming that with twins you probably needed a new family car. What did you buy? What was the thought process around that? You're like, we need a new family car, But like, do you buy the biggest suv on the market or do you just buy the smallest car that everyone can fit in? Like, where was the thought process and the budgeting when it came to purchasing that?

So yes, But at the same time, it sounds like you're very across what that looks like. And I'm assuming that with twins you probably needed a new family car. What did you buy? What was the thought process around that? You're like, we need a new family car, But like, do you buy the biggest suv on the market or do you just buy the smallest car that everyone can fit in? Like, where was the thought process and the budgeting when it came to purchasing that?

Talking about cars, so I might just backtrack a little bit. When I was thirty weeks pregnant, I was involved in a car accident. No, my car was written off.

Talking about cars, so I might just backtrack a little bit. When I was thirty weeks pregnant, I was involved in a car accident. No, my car was written off.

And you were okay and the babies were okay.

And you were okay and the babies were okay.

I was fine, babies were okay. Yeah. I had to spend a couple of days in hospital just being monitored. But then I had to start my maternity leave early because of the complications were just deemed too high risk.

I was fine, babies were okay. Yeah. I had to spend a couple of days in hospital just being monitored. But then I had to start my maternity leave early because of the complications were just deemed too high risk.

So it started way too high risk.

So it started way too high risk.

Yeah, started my mat leave early. So we were then, unfortunately without a car. So luckily I had comprehensive car insurance and we got to pay out for that, but it wasn't enough to go and buy a brand new car because our little, my little car at the time was going to be our little family car. So we had to were use the insurance payout and sort of our savings to buy a which was a sort of a medium sized suv. But my husband has had a single cab ute for several years and we were practically operating as a one car family. So because we couldn't put any car seats in the single cab.

Yeah, started my mat leave early. So we were then, unfortunately without a car. So luckily I had comprehensive car insurance and we got to pay out for that, but it wasn't enough to go and buy a brand new car because our little, my little car at the time was going to be our little family car. So we had to were use the insurance payout and sort of our savings to buy a which was a sort of a medium sized suv. But my husband has had a single cab ute for several years and we were practically operating as a one car family. So because we couldn't put any car seats in the single cab.

You two kids with car seats.

You two kids with car seats.

Like yeah, So essentially we bought him a new car. And it's a nice CD Dmax.

Like yeah, So essentially we bought him a new car. And it's a nice CD Dmax.

Yeah okay, and then everyone fits in that, which is nice.

Yeah okay, and then everyone fits in that, which is nice.

Everyone fits in the car and then some so that's lovely.

Everyone fits in the car and then some so that's lovely.

How good?

How good?

And so tell me a bit more about your consumer debt journey. So you've got this mortgage and that makes sense. I think you're in a really good position and that type of debt is actually good debt because it's creating wealth into the future. But you said we've paid off our consumer debt. Where did that come from? What did that look like?

And so tell me a bit more about your consumer debt journey. So you've got this mortgage and that makes sense. I think you're in a really good position and that type of debt is actually good debt because it's creating wealth into the future. But you said we've paid off our consumer debt. Where did that come from? What did that look like?

So before I started listening to the podcast, and as our house was being built, we went into a furniture store and bought all new furniture for the house because I wanted nice new furniture, as you do when you get a new house, and we signed up for a Latitude Go card. At the time, I wasn't aware that that probably wasn't the smartest thing to do.

So before I started listening to the podcast, and as our house was being built, we went into a furniture store and bought all new furniture for the house because I wanted nice new furniture, as you do when you get a new house, and we signed up for a Latitude Go card. At the time, I wasn't aware that that probably wasn't the smartest thing to do.

But that's okay. You were doing the best you could at the time.

But that's okay. You were doing the best you could at the time.

Yeah, And so we got the beautiful new furniture and then I sort of learned the difference between good debt and bad debt, and my husband and I said, look, me to pay this off as soon as we can. So we hustled and we paid it off two years and three months early. So we paid it off about five months ago.

Yeah, And so we got the beautiful new furniture and then I sort of learned the difference between good debt and bad debt, and my husband and I said, look, me to pay this off as soon as we can. So we hustled and we paid it off two years and three months early. So we paid it off about five months ago.

Hey, that's so good.

Hey, that's so good.

And was that Tell me how much does a furniture like decking a house out with all new furniture, what does that cost?

And was that Tell me how much does a furniture like decking a house out with all new furniture, what does that cost?

It was nine thousand dollars.

It was nine thousand dollars.

Oh that feels like a lot.

Oh that feels like a lot.

But at the same time, like I'm glad that you smashed it out and you probably have a really nice couch.

But at the same time, like I'm glad that you smashed it out and you probably have a really nice couch.

Two new lounges. It was a dining room table, it was a new bed, it was TV, and it was the whole kitten kerboodle.

Two new lounges. It was a dining room table, it was a new bed, it was TV, and it was the whole kitten kerboodle.

So but I mean, the house looks beautiful, so it does.

So but I mean, the house looks beautiful, so it does.

It's all about the us.

It's all about the us.

There you go, there you go.

There you go, there you go.

How did that make you feel when you started listening to the podcast and you learned the difference between.

How did that make you feel when you started listening to the podcast and you learned the difference between.

Good and bad debt.

Good and bad debt.

Were you like, oh, no, I'm in this pickle or were you like, oh, it's not so bad, or like, what did that look like?

Were you like, oh, no, I'm in this pickle or were you like, oh, it's not so bad, or like, what did that look like?

Because I feel like I feel a bit.

Because I feel like I feel a bit.

Rude sometimes when I'm like, oh, hey, I don't know if you know this, but that's actually really terrible.

Rude sometimes when I'm like, oh, hey, I don't know if you know this, but that's actually really terrible.

Yeah, sorry about that buye.

Yeah, sorry about that buye.

Yeah. No, I was very conflicted, that's for sure, because we didn't need new furniture, but we wanted new furniture, and it was probably a bit of an impulse buy. But that's when we decided this has got to go. This is a liability in the bank size and mortgage brokeer's eyes. So any excess money we had left at the end of the month, we were just put towards like straight onto that debt, and when we paid it off back in July this year, we closed the account.

Yeah. No, I was very conflicted, that's for sure, because we didn't need new furniture, but we wanted new furniture, and it was probably a bit of an impulse buy. But that's when we decided this has got to go. This is a liability in the bank size and mortgage brokeer's eyes. So any excess money we had left at the end of the month, we were just put towards like straight onto that debt, and when we paid it off back in July this year, we closed the account.

So it's gone, Yeah, very cool.

So it's gone, Yeah, very cool.

I love this. So next question I've got for you. You've paid off a heap of consumer debt. It sounds like you've been really smart with the way that you've gotten a car loan, You've got a healthy mortgage, you've got two kids that you're wrangling, you are working full time, earning really good money. What do you think is your best money habit.

I love this. So next question I've got for you. You've paid off a heap of consumer debt. It sounds like you've been really smart with the way that you've gotten a car loan, You've got a healthy mortgage, you've got two kids that you're wrangling, you are working full time, earning really good money. What do you think is your best money habit.

I would say that my best money habit is I'm pretty savvy shopper, particularly when it comes to grocery shopping. I shop with Woolworths, and I've got the everyday rewards, the subscription that they've got oh yeah yeah, and we've also got insurance with will worth so we get two ten percent off discounts per month. So I use that when we shop online, which is wonderful, always looking at what's on sale. And we also collect our reward dollars that we accumulate with points, and so the rewards dollars that we had collected up until earlier this year, we used to buy our kids' birthday presents and then we'll do the same again for Christmas, so we're not really out of pocket that much come Birthday and Christmas. You are so.

I would say that my best money habit is I'm pretty savvy shopper, particularly when it comes to grocery shopping. I shop with Woolworths, and I've got the everyday rewards, the subscription that they've got oh yeah yeah, and we've also got insurance with will worth so we get two ten percent off discounts per month. So I use that when we shop online, which is wonderful, always looking at what's on sale. And we also collect our reward dollars that we accumulate with points, and so the rewards dollars that we had collected up until earlier this year, we used to buy our kids' birthday presents and then we'll do the same again for Christmas, so we're not really out of pocket that much come Birthday and Christmas. You are so.

Smart, Like I have done literal podcasts on points hacking and whatnot, and like I get it. I understand the concept, but it hasn't been until recently that I've been like, oh, I really need to like work out what's going to work for me. It's actually so fun, Like I haven't been collecting all I'm on the other program so like flybys and like collecting those and that I found this program where I can get five times the points if I sign up, and I'm just like, I feel like a hacker. This feels so fun, Like I feel like I'm gaming the system, but I'm like, okay.

Smart, Like I have done literal podcasts on points hacking and whatnot, and like I get it. I understand the concept, but it hasn't been until recently that I've been like, oh, I really need to like work out what's going to work for me. It's actually so fun, Like I haven't been collecting all I'm on the other program so like flybys and like collecting those and that I found this program where I can get five times the points if I sign up, and I'm just like, I feel like a hacker. This feels so fun, Like I feel like I'm gaming the system, but I'm like, okay.

Cool, I'm gonna have enough points for this and it's like free money. I adore it.

Cool, I'm gonna have enough points for this and it's like free money. I adore it.

Yeah, So I'm pretty sappy with that, and I think Christmas is approaching and we've currently got about one hundred and sixty dollars in reward dollars sitting there, and that's after we'd spent about two hundred dollars on the kids, but their presence earlier in the see that's good.

Yeah, So I'm pretty sappy with that, and I think Christmas is approaching and we've currently got about one hundred and sixty dollars in reward dollars sitting there, and that's after we'd spent about two hundred dollars on the kids, but their presence earlier in the see that's good.

Tell me what does Christmas look like for the kids this year? Like, how are you budgeting? What are you going to purchase? What have you asked Santa to purchase?

Tell me what does Christmas look like for the kids this year? Like, how are you budgeting? What are you going to purchase? What have you asked Santa to purchase?

Like?

Like?

How are we dividing all of that up?

How are we dividing all of that up?

We haven't put on Christmas is only a month away. We haven't put too much thought to Christmas. The kids are asking for an inground, swimming pool and a baby for Christmas, and they're unfortunately not going to get either.

We haven't put on Christmas is only a month away. We haven't put too much thought to Christmas. The kids are asking for an inground, swimming pool and a baby for Christmas, and they're unfortunately not going to get either.

Oh both of those really reasonable? Yeah, easy, no worries. Let me just pop out the back. I think I have two spare Yeah, so.

Oh both of those really reasonable? Yeah, easy, no worries. Let me just pop out the back. I think I have two spare Yeah, so.

That's unfortunately not going to happen. But we've been taking them to the shops and just letting them look at things that they might be interested in. And I take a picture of them in.

That's unfortunately not going to happen. But we've been taking them to the shops and just letting them look at things that they might be interested in. And I take a picture of them in.

Ground swimming pool. Okay, I just kind to spare fifty grands laying around, no worries.

Ground swimming pool. Okay, I just kind to spare fifty grands laying around, no worries.

Yeah, So I've just been sending pictures of things that the kids are interested into our family and just said, look, this is something that they would like. If you're happy to buy them, that would be great. Please just let us know so that we don't buy it ourselves.

Yeah, So I've just been sending pictures of things that the kids are interested into our family and just said, look, this is something that they would like. If you're happy to buy them, that would be great. Please just let us know so that we don't buy it ourselves.

Yeah, that's fair. I feel like that's the smart thing to do. This is our first Christmas with a baby. And I said the other day to my mum, oh, I'm thinking about purchasing X y Z And then later she sends me a screenshot of her purchasing it, and I was like, I'm glad you told me. But also you just store a president idea.

Yeah, that's fair. I feel like that's the smart thing to do. This is our first Christmas with a baby. And I said the other day to my mum, oh, I'm thinking about purchasing X y Z And then later she sends me a screenshot of her purchasing it, and I was like, I'm glad you told me. But also you just store a president idea.

Rude.

Rude.

But something else we've started doing as well is because we've got an investment portfolio each for the boys, is we can get gift certificates for their investments, so people can give us like a gift that we can invest instead of giving them like a present as such, that's so smart.

But something else we've started doing as well is because we've got an investment portfolio each for the boys, is we can get gift certificates for their investments, so people can give us like a gift that we can invest instead of giving them like a present as such, that's so smart.

So tell me about this gift certificate idea. Are they transferring you cash and then we're making up a fake little certificate or like what does that look like? And how are you telling the kids therefore? Like do they understand what.

So tell me about this gift certificate idea. Are they transferring you cash and then we're making up a fake little certificate or like what does that look like? And how are you telling the kids therefore? Like do they understand what.

We've been doing with family recently. Is they might get like a little book as their I guess, their materialistic president. And then the adults will just give us maybe twenty or thirty dollars which we can then put away and then we can invest that for the boys. Or I know Vanguard have a feature for children where you can upload the details of their account and they can someone can deposit the cash into their account for them.

We've been doing with family recently. Is they might get like a little book as their I guess, their materialistic president. And then the adults will just give us maybe twenty or thirty dollars which we can then put away and then we can invest that for the boys. Or I know Vanguard have a feature for children where you can upload the details of their account and they can someone can deposit the cash into their account for them.

Yeah, that is cool. Tell me how you're investing for your kids. I feel like this is such a hot topic in our community. Everyone's like, I don't know what I'm doing. I've got analysis paralysis. So we haven't done yet. How did you decide to start investing for your kids?

Yeah, that is cool. Tell me how you're investing for your kids. I feel like this is such a hot topic in our community. Everyone's like, I don't know what I'm doing. I've got analysis paralysis. So we haven't done yet. How did you decide to start investing for your kids?

We just want them to have the best I guess chance out a successful life when they turn eighteen or twenty five. We haven't quite determined what age they'll sort of receive the money yet. But we started investing for them at the same time that we started investing for us, which has been in the last twolve months, and currently we are auto investing fifty dollars a month each for them through Vanguard, and then we auto invest two hundred dollars a month for us as well.

We just want them to have the best I guess chance out a successful life when they turn eighteen or twenty five. We haven't quite determined what age they'll sort of receive the money yet. But we started investing for them at the same time that we started investing for us, which has been in the last twolve months, and currently we are auto investing fifty dollars a month each for them through Vanguard, and then we auto invest two hundred dollars a month for us as well.

That's so cool.

That's so cool.

So you're doing it through Vanguard. And did you decide to purchase a particular ETF. Have they got matching portfolios or what does that look like?

So you're doing it through Vanguard. And did you decide to purchase a particular ETF. Have they got matching portfolios or what does that look like?

So my husband and I our ETFs are just with the Australian stock market, so I think it's the VASASX. That's a particular and then the boys we've just got set on I think a moderate growth. I'm not entirely sure of the specific details there, but I think in the last twelve months their portfolio has gained about thirty dollars, which has been pretty cool.

So my husband and I our ETFs are just with the Australian stock market, so I think it's the VASASX. That's a particular and then the boys we've just got set on I think a moderate growth. I'm not entirely sure of the specific details there, but I think in the last twelve months their portfolio has gained about thirty dollars, which has been pretty cool.

How good. So you just replicated your portfolio for them, So everyone from us just I love that? How good?

How good. So you just replicated your portfolio for them, So everyone from us just I love that? How good?

All right, now I need to know all of that. Those are brilliant money habits. But what's your worst money habit?

All right, now I need to know all of that. Those are brilliant money habits. But what's your worst money habit?

Oh, I'm a bit impulsive. It's a real name.

Oh, I'm a bit impulsive. It's a real name.

I don't hurry. Yeah, yeah, okay, So tell me more about that. How does it impact day to day money life?

I don't hurry. Yeah, yeah, okay, So tell me more about that. How does it impact day to day money life?

Oh?

Oh?

I struggle with a bit of a Yolow mindset. Sometimes I see something I want and I'm like, oh, I want that, and then I might just go and buy it. It's a really bad habit. That's why I try and do a lot of I guess shopping online because look at it and go mmm, I'll just close that tab and I'll left and begin tomorrow. But when I'm actually at the shops and I'm probably not going to come back for a few days or a few weeks, I might just buy it on the spot. So I'm trying to instill the putting twenty four hours between myself and the purchase methodology. But that doesn't always work, especially going into Christmas time.

I struggle with a bit of a Yolow mindset. Sometimes I see something I want and I'm like, oh, I want that, and then I might just go and buy it. It's a really bad habit. That's why I try and do a lot of I guess shopping online because look at it and go mmm, I'll just close that tab and I'll left and begin tomorrow. But when I'm actually at the shops and I'm probably not going to come back for a few days or a few weeks, I might just buy it on the spot. So I'm trying to instill the putting twenty four hours between myself and the purchase methodology. But that doesn't always work, especially going into Christmas time.

Oh no, no, no, it's so hard. I resonate with that so much.

Oh no, no, no, it's so hard. I resonate with that so much.

I more of a do as I say, not as I do, kind of finance expert, you know, like I'll give you all the tips and tricks, but I've also got to be really honest that sometimes I'm not that good at it, because it's not that exciting having a finance expert that's perfect at money. But at the same time, I'm like, but it's Christmas, it's coming up. I'm going to need to get it, and I don't want to have to get it in a week rush up to Christmas.

I more of a do as I say, not as I do, kind of finance expert, you know, like I'll give you all the tips and tricks, but I've also got to be really honest that sometimes I'm not that good at it, because it's not that exciting having a finance expert that's perfect at money. But at the same time, I'm like, but it's Christmas, it's coming up. I'm going to need to get it, and I don't want to have to get it in a week rush up to Christmas.

Like that just feels stressful. Like, yeah, I think I.

Like that just feels stressful. Like, yeah, I think I.

Also need to be a little bit more planned, but like, I feel like it's ingrained in us at the same time. So, now that we've had a chat, I want to know more about this B minus because it sounds like.

Also need to be a little bit more planned, but like, I feel like it's ingrained in us at the same time. So, now that we've had a chat, I want to know more about this B minus because it sounds like.

You're pretty set. What would it take to get you to an A or an A plus?

You're pretty set. What would it take to get you to an A or an A plus?

If I asked you what your money habits were in the future, like what steps are we taking to get there?

If I asked you what your money habits were in the future, like what steps are we taking to get there?

I think I just need to cut the frivolous purchases, to be honest. One of my really bad habits is I'm an avid reader and I buy a lot of books, and then I keep buying books, but I don't read the books that I've already.

I think I just need to cut the frivolous purchases, to be honest. One of my really bad habits is I'm an avid reader and I buy a lot of books, and then I keep buying books, but I don't read the books that I've already.

Got, and I just keep adding you and I are the same.

Got, and I just keep adding you and I are the same.

Yeah, it's a really toxic trade, unfortunately. Or I read on my kindle and then I go and buy the physical book from my bookshelf and like a trophy.

Yeah, it's a really toxic trade, unfortunately. Or I read on my kindle and then I go and buy the physical book from my bookshelf and like a trophy.

Yeah, why do we like this?

Yeah, why do we like this?

Literally the same If I really like the book, I'm like, well, I want it on my bookshelf.

Literally the same If I really like the book, I'm like, well, I want it on my bookshelf.

Yep. Yeah. So I need to cut the frivolo of spending, I think, just because I get I'm trying to unsubscribe from a lot of marketing emails at the moment, especially we've just come out of like a splat Friday sales, and I'm getting all the emails saying seventy percent off store wide, and I just go and look online and I'm like, oh, I don't need that, but I might buy it anyway. So just really trying to be more intentional with my purposes. I think you'll probably get me up to do it.

Yep. Yeah. So I need to cut the frivolo of spending, I think, just because I get I'm trying to unsubscribe from a lot of marketing emails at the moment, especially we've just come out of like a splat Friday sales, and I'm getting all the emails saying seventy percent off store wide, and I just go and look online and I'm like, oh, I don't need that, but I might buy it anyway. So just really trying to be more intentional with my purposes. I think you'll probably get me up to do it.

A I love that.

A I love that.

I actually have a website recommendation for you that I have recently used. But I actually used it probably like five or six years ago and it worked really well. And this isn't sponsored, Just to be really clear, this is just me being.

I actually have a website recommendation for you that I have recently used. But I actually used it probably like five or six years ago and it worked really well. And this isn't sponsored, Just to be really clear, this is just me being.

Like, hey, this worked.

Like, hey, this worked.

It's called unrolledt me and you like log into this website and you put in your email details, which does feel a little bit dodgy, but I have like looked into this platform and it is secure and then it categorizes all of your marketing and bulk unsubscribes.

It's called unrolledt me and you like log into this website and you put in your email details, which does feel a little bit dodgy, but I have like looked into this platform and it is secure and then it categorizes all of your marketing and bulk unsubscribes.

I need that.

I need that.

Like it literally goes, hey, here's all of this, do you want to unsubscribe from it? And I like tick the box and I'm like, that was truly like hundreds of different marketing emails and that worked really really well. So I don't know it might be for you, but that saved me a heap of time and also made me feel really accomplished.

Like it literally goes, hey, here's all of this, do you want to unsubscribe from it? And I like tick the box and I'm like, that was truly like hundreds of different marketing emails and that worked really really well. So I don't know it might be for you, but that saved me a heap of time and also made me feel really accomplished.

Excellent. No, I need to I think look into that one to save myself some money as well.

Excellent. No, I need to I think look into that one to save myself some money as well.

Oh, I feel like the emails people are getting so good at email marketing that I see something and I'm like, oh, it's from my For example, recently, it's from my favorite pajama brand.

Oh, I feel like the emails people are getting so good at email marketing that I see something and I'm like, oh, it's from my For example, recently, it's from my favorite pajama brand.

I don't need that, no worries. But then I read the heading and I'm like, You've got me. I need to click it.

I don't need that, no worries. But then I read the heading and I'm like, You've got me. I need to click it.

I need to read it.

I need to read it.

You've got me, you win. It's a slippery slope. I just need it not landing in my inbox. Money Diarist.

You've got me, you win. It's a slippery slope. I just need it not landing in my inbox. Money Diarist.

I have adored this. I feel like this has been really fun. I want to ask a little like a little bit of a finisher question, because when you found out you were pregnant with twins, you said you cried all the way home from that appointment, and I feel like that could be really disheartening, like it can feel. And I'm assuming you didn't have other friends who had twins and you were like, what is going on? If someone is listening to this and they have either just found out they were having twins or they are gonna have babies in.

I have adored this. I feel like this has been really fun. I want to ask a little like a little bit of a finisher question, because when you found out you were pregnant with twins, you said you cried all the way home from that appointment, and I feel like that could be really disheartening, like it can feel. And I'm assuming you didn't have other friends who had twins and you were like, what is going on? If someone is listening to this and they have either just found out they were having twins or they are gonna have babies in.

The future, what would be your advice? What would you say?

The future, what would be your advice? What would you say?

Are you going to say, yeah, just strap in, or you gonna say this is like really good, or like what would your advice be to either current potential twin mums or future twin moms.

Are you going to say, yeah, just strap in, or you gonna say this is like really good, or like what would your advice be to either current potential twin mums or future twin moms.

I think, as you said, strap in, buckle up, it's a rollercoaster of a ride, but it's I think it's really showed me just how strong I can be. We've had some really tough times and also some really positive moments as well. As they get older and you're sort of coming out of the trenches, I suppose you could say things do get a little bit easier. I always found budgeting when you have to buy two of everything, is very helpful. And if you have people that you can lead on for support, whether it's just help with the children or help financially. And that's not everyone's cup of tea, but we're very lucky it was an option for us. Then find your village if you've.

I think, as you said, strap in, buckle up, it's a rollercoaster of a ride, but it's I think it's really showed me just how strong I can be. We've had some really tough times and also some really positive moments as well. As they get older and you're sort of coming out of the trenches, I suppose you could say things do get a little bit easier. I always found budgeting when you have to buy two of everything, is very helpful. And if you have people that you can lead on for support, whether it's just help with the children or help financially. And that's not everyone's cup of tea, but we're very lucky it was an option for us. Then find your village if you've.

Got one good And is twins as fun as I seem to think it is as a singleton parent, I don't.

Got one good And is twins as fun as I seem to think it is as a singleton parent, I don't.

Know it's cute dressing them in the same clothes, identical twin It would be, it really would be. Yeah, So dressing them in matching outfits is always fun, But then I can't tell my own children apart sometimes, So.

Know it's cute dressing them in the same clothes, identical twin It would be, it really would be. Yeah, So dressing them in matching outfits is always fun, But then I can't tell my own children apart sometimes, So.

Oh that is good to know, because I just assumed that you'd inherently be able to do that, Do they correct you? Are they at that age where they're like, I'm not Bob, I'm then yes.

Oh that is good to know, because I just assumed that you'd inherently be able to do that, Do they correct you? Are they at that age where they're like, I'm not Bob, I'm then yes.

Regularly we often get stopped in the street as well. Just people are just curious about twins as well, so that's always fun. I've been asking really weird questions over the years about twins, so there's never a dull moment.

Regularly we often get stopped in the street as well. Just people are just curious about twins as well, so that's always fun. I've been asking really weird questions over the years about twins, so there's never a dull moment.

I feel like people would have a lot of audacity.

I feel like people would have a lot of audacity.

They do. Some of the questions I've been asked at being intensely personal and just you never ask a regular parent that.

They do. Some of the questions I've been asked at being intensely personal and just you never ask a regular parent that.

Absolutely not.

Absolutely not.

Oh, I feel like I would be googling witty comebacks to be like, wait, you can see the second one?

Oh, I feel like I would be googling witty comebacks to be like, wait, you can see the second one?

Yeah, some people say that. Or it was like a buy one, get one free promotion at the hospital, things like that. Yeah.

Yeah, some people say that. Or it was like a buy one, get one free promotion at the hospital, things like that. Yeah.

Literally, I'd be like, bug off, I don't know you.

Literally, I'd be like, bug off, I don't know you.

Yeah, people are just I don't know, they just forget their filter when they see two or more babies. They just look the same. It's just like a like a really inherent curiosity in some people.

Yeah, people are just I don't know, they just forget their filter when they see two or more babies. They just look the same. It's just like a like a really inherent curiosity in some people.

Well, I am very proud of you. I think you've done an epic job, and it sounds like your kids are going to grow up knowing a lot about money and a lot about values, and I think that that's really really special. I have adored having this conversation with you, and I just know that our community is love listening and getting to go on the journey of like, oh, what's that like? Because I mean, as a new mum, the trenches are deep. I feel so much for you having done it two times over at the same time, like the relief I felt when I got to put my Singleton baby down asleep knowing that there was a second one. Oh my lord, your mental health might have been out the window.