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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: My name's Tatasha Bamblet. I'm a proud First Nations woman

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Speaker 3: and I'm here to acknowledge country. Hello, beautiful friends, we

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Speaker 3: gather on the lands of the Aboriginal people. We thank

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Speaker 3: acknowledge and respect the Aboriginal people's land that we're gathering

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Speaker 3: on today. Take pleasure in all the land and respect

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Speaker 3: all that you see. She's on the Money podcast acknowledges culture, country,

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Speaker 3: community and connections, bringing you the tools, knowledge and resources

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Speaker 3: for you to thrive.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: where we discuss all issues affecting your personal wealth goals

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Speaker 4: so that you can feel more in control of your

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Speaker 4: financial future. My friends, I'm Victoria Devine and today's episode

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Speaker 4: is a topic very close to my heart. Literally, we

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Speaker 4: are talking about babies, specifically my babies.

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Speaker 2: They're adorable, they are life changing, they are really expensive.

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Speaker 4: While so many of us have gone through the process

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Speaker 4: of having kids, how many of us have actually stopped

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Speaker 4: to track every single cost that you've occurred along the way.

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Speaker 4: I'm talking about the preconception care supplements and all of

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Speaker 4: those sneaky out of pocket costs that add up.

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Speaker 3: In the end.

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Speaker 4: So I have brought in my very own receipts. Call

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Speaker 4: me delusional, but I tracked every single cost during my

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Speaker 4: pregnancy with Campbell, down to the fruit tingles that I

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Speaker 4: was having for my nausea. Plus I'm going to share

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Speaker 4: with you exactly what it cost me to have Campbell,

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Speaker 4: plus some things that I would think that you probably

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Speaker 4: should consider for your own budget if you're thinking about

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Speaker 4: having your own kids. Because while people are very quick

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Speaker 4: to ask, oh my gosh, are you planning on having

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Speaker 4: kids or are you going to have them soon? Here

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Speaker 4: is my reminder that you need to do what is

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Speaker 4: right for you. So tune in at your own pace.

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Speaker 4: And if you need to skip this episode because you

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Speaker 4: just don't care about baby costs or it's a topic

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Speaker 4: that you just don't want to have in your ears.

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Speaker 2: Right now, girlfriend, I will catch you on the next episode.

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Speaker 4: But before I pull out my calculator and add up

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Speaker 4: all of the numbers, which honestly shocked me as well,

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Speaker 4: we're going to be taking a really quick break and

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Speaker 4: when we return, I'm going to give you a trimester

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Speaker 4: by trimester breakdown of my baby bill to the scent

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Speaker 4: my friends, welcome back to our baby Crazed episode that

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Speaker 4: no one else in the She's on the Money team

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Speaker 4: agreed to be on. They were like, VI, this is

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Speaker 4: one that you've got to riff for yourself, because we

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Speaker 4: will just be shocked and in awe. I'm going to

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Speaker 4: share what is essentially an itemized breakdown of everything I

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Speaker 4: spent while having my most recent or my youngest child,

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Speaker 4: my daughter Campbell. Full disclosure, I do have private health

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Speaker 4: cover and I did go through the private health or

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Speaker 4: the private hospital system, right so my costs might actually

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Speaker 4: be significantly higher than if you went through the public system,

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Speaker 4: which honestly is a fact. We know it's going to

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Speaker 4: be more expensive because in Australia we do have an

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Speaker 4: incredible public system, and I would implore people to definitely

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Speaker 4: lean on that. I also am currently working to get

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Speaker 4: a money diarist and a whole public system diary on

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Speaker 4: for you guys, so that we can kind of compare

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Speaker 4: and contrast. And the reason I'm sharing this is honestly

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Speaker 4: in transparency. It's not because I think that you should

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Speaker 4: also spend this, but it's because I want you to

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Speaker 4: feel really empowered about making decisions and know where things

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Speaker 4: could add up for you or areas that you might

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Speaker 4: go v I would never spend the money on that,

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Speaker 4: and that is totally okay. But please understand that this

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Speaker 4: is my experience. I'm not talking to the experience of everybody.

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Speaker 4: I'm talking to the experience that I had and the

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Speaker 4: costs that I have incurred. There's another caveat I want

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Speaker 4: to point out as well that I have taken into consideration,

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Speaker 4: and that is that you are also going to typically

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Speaker 4: need to have not you do need, but if you

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Speaker 4: want to go through the private system, you need you

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Speaker 4: need to have your private health coverage for at least

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Speaker 4: twelve months before you can even use the services that

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Speaker 4: you will need during pregnancy. So right off the bat,

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Speaker 4: let's add monthly private health cover to the tally board.

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Speaker 2: My private health cover is four.

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Speaker 4: Hundred and two dollars and sixty cents per month for

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Speaker 4: twelve months plus the nine months during my pregnancy, which

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Speaker 4: brings us up to a total of six nine hundred

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Speaker 4: and five dollars and forty cents before we even start

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Speaker 4: talking about costs for pregnancy. So that's just my private

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Speaker 4: health cover. The other thing I want to point out

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Speaker 4: is that most private health insurers will not let you

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Speaker 4: have access to obstetric care with their base private health cover,

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Speaker 4: so you have to have like usually their gold cover

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Speaker 4: or usually their Gold Plus hospital or something along those lines.

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Speaker 4: So the cover I have feels really expensive. But for

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Speaker 4: the mums who maybe have already looked into this, you

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Speaker 4: know that you have to have the top level of

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Speaker 4: cover get obstetric care. And the thing that I am

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Speaker 4: now questioning because my husband and I Campbell is now

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Speaker 4: nearly four months old or just over four months, actually terrifying.

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Speaker 4: We've said, let's just leave the baby conversation until Campbell's

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Speaker 4: at least one, before we even talk about whether we

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Speaker 4: want three babies or not. And after I did this episode,

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Speaker 4: I am now seriously considering just getting rid of the

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Speaker 4: private health cover and paying for the base level and

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Speaker 4: just paying out of pocket potentially for my hospital stay

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Speaker 4: if we decided to go through the private system again. Anyway,

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Speaker 4: back on track, I did some research. In twenty twenty one,

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Speaker 4: Westpac reported that the average Australian family spends seven nine

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Speaker 4: hundred and eighteen dollars setting up for a new baby,

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Speaker 4: and then approximately six hundred dollars per month once that

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Speaker 4: baby arrives. Now I remember using that report back in

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Speaker 4: an article in twenty twenty four, but I've also almost

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Speaker 4: hit that threshold for my private health cover alone, So like,

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Speaker 4: let's see if that start whole.

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Speaker 2: Up still in twenty twenty six.

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Speaker 4: Okay, let's go back to preconception, because one thing that

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Speaker 4: I think is important is to take the whole journey

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Speaker 4: into consideration when we're talking about finances. A lot of people,

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Speaker 4: especially when their wedding planning, they just look at the

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Speaker 4: budget for the wedding specifically and they don't add in

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Speaker 4: things like the bucks or the hen's party, or their

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Speaker 4: engagement party, or like incidental costs. And for me, those

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Speaker 4: definitely should be involved because you're going to have to

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Speaker 4: pay for them, and sometimes if you don't talk about this,

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Speaker 4: they fall out of the budget and then you don't

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Speaker 4: know why you're not able to afford things. So during

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Speaker 4: the month, and we're not going to talk about my

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Speaker 4: history too much, but during the month, even before receiving

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Speaker 4: a positive pregnancy test, I had actually spent almost three

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Speaker 4: hundred dollars on ovulation tests, medications, and supplements. So now,

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Speaker 4: because I have had a prior history of recurrent miscarriage.

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Speaker 4: One of these medications what's called utrogestrin, which was essentially

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Speaker 4: a progester owne pill that I had to take to

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Speaker 4: help me maintain a pregnancy from day one. So this

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Speaker 4: might not be on your list of mustabs, but it

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Speaker 4: was for me, and that roughly cost between ninety one

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Speaker 4: and one hundred and eighty two dollars per month throughout

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Speaker 4: the first trimester. The range exists because once I found

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Speaker 4: out I was pregnant, they doubled my cost, or they

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Speaker 4: doubled the medication that I was on, so really quick recap.

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Speaker 4: My preconception was two hundred and seventy two dollars and

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Speaker 4: seventy six cents, and that was made up of ovulation

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Speaker 4: tests which were about sixty dollars, Chase Tree supplements which

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Speaker 4: were thirty eight dollars and ninety nine cents. I was

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Speaker 4: taking aspirin and that was three dollars and eighty four

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Speaker 4: cents for the packet. Utrogestrine was ninety dollars and ninety

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Speaker 4: nine cents, and that's like a twenty one day supply.

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Speaker 4: And then I was taking my prenatal vitamins, which was

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Speaker 4: the Orthoplex Pure Natal ninety and that was seventy nine

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Speaker 4: ninety five, So we are up to a rolling total

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Speaker 4: of seven thousand, one hundred and seventy eight dollars and

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Speaker 4: sixteen cents before I have even gotten into my first

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Speaker 4: trimester of pregnancy. So as soon as I became pregnant,

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Speaker 4: things only started to ramp up, both figuratively and literally,

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Speaker 4: because I actually was diagnosed with HG, which is hyperamesis graviadem,

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Speaker 4: which is basically where you experience really horrific nausea and

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Speaker 4: vomiting so much so that you actually need medical intervention.

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Speaker 4: So on top of the pregnancy tests, the supplements, my

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Speaker 4: doctor's appointments, I had really specific medications to help me

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Speaker 4: address the nausea so that I could actually absorb nutrients

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Speaker 4: and actually eat and actually function. So, just running through

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Speaker 4: that list, some of the costs incurred during my first

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Speaker 4: trimester included in the first week's obviously pregnancy tests. From

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Speaker 4: week four to a week five, I was doing a

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Speaker 4: fair few of them because I was anxious, So I

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Speaker 4: had seven first response pregnancy tests at twenty one dollars

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Speaker 4: thirty and I had seven clear blue pregnancy tests at

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Speaker 4: thirty eight dollars ninety nine. Because if you've been in

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Speaker 4: a situation like mine, you do keep testing to make

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Speaker 4: sure that that line gets bluer. I'm not saying that

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Speaker 4: you need to do that, but that's what I was doing.

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Speaker 4: Then week five, I had to have a GP appointment

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Speaker 4: to get my obstetrician referral and some medication, and that

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Speaker 4: came out of the wash at seventy two dollars and

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Speaker 4: forty two cents. Then there was some medications. Then by

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Speaker 4: week six I was on a lot more medication for HG.

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Speaker 4: So I was on and I won't go through it all,

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Speaker 4: but that kind of came up to being at like

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Speaker 4: sixty dollars. The namely or the most expensive medication I

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Speaker 4: had during that period of time was on Danzetron, which

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Speaker 4: is an anti nausea medication, which is twenty two dollars

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Speaker 4: for ten tablets. I also had to pay for my

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Speaker 4: six week obstetric appointment, which was five hundred dollars. And

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Speaker 4: then I had some electrolytes I have been obsessed with

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Speaker 4: and was drinking Hydromama and that is thirty nine dollars

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Speaker 4: ninety nine a packet. And then because it's me, guys,

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Speaker 4: I have also included my hospital parking. So my hospital

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Speaker 4: parking in week six was nineteen dollars. So yeah, just

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Speaker 4: going through that, I'm looking at all of those costs

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Speaker 4: for the first trimester. Again, I'm just replicating more medications,

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Speaker 4: more hospital parking, etc. And then when I came to

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Speaker 4: week ten, there was some big costs there. I had

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Speaker 4: the NAPT test, which my husband and I wanted to do,

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Speaker 4: that was out of pocket and not covered by Medicare.

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Speaker 4: That was four hundred and forty nine dollars. And then

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Speaker 4: because I had a private obstetrician, which by the way,

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Speaker 4: you pay for outside of your private hospital and health cover.

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Speaker 4: And I'm not saying that his fees were bad, they

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Speaker 4: were fine, they were normal, but they were broken up

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Speaker 4: into three different installations. So I had my ten week

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Speaker 4: obstetric installation and that was two and a half thousand

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Speaker 4: dollars for the week eleven, week twelve. We're just looking

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Speaker 4: at hospital parking and medications. So with that in mind,

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Speaker 4: I had then spent a total of five thousand and

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Speaker 4: two dollars and eighty nine cents during my first trimester,

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Speaker 4: bringing our rolling total to twelve thousand, one hundred and

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Speaker 4: eighty one dollars. And five cents, well above the Westpac estimate,

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Speaker 4: mind you, So sitting here and me looking at that amount,

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Speaker 4: it kind of makes you wonder what else someone might

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Speaker 4: spend five thousand dollars on in three months. Like if

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Speaker 4: I gave five grand to any of my friends, I

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Speaker 4: think they'd be like five grand great, I could go

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Speaker 4: in a whole holiday, Like imagine what you could do

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Speaker 4: with twelve grand. I'm not saying it's not worth it,

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Speaker 4: It's just so much money, and I guess that's food

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Speaker 4: for thought. Now rolling on in, we're going to talk

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Speaker 4: about the second trimester. This is where I did start

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Speaker 4: to feel slightly better. I wasn't under the table rocking

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Speaker 4: back and forward, but I was definitely still not well.

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Speaker 4: So we have a lot of medical costs here.

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Speaker 2: Again.

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Speaker 4: Thankfully, when I did need to go into hospital to

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Speaker 4: do additional fluids or check ins, which I had a

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Speaker 4: lot of during that period of time, I was very

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Speaker 4: lucky that my obstetrician has rooms set up and is

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Speaker 4: kind of in the hospital, so that was never an

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Speaker 4: additional cost to go into hospital, but for some people

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Speaker 4: it could be. But from week thirteen I had to

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Speaker 4: do or didn't have to do it, was recommended to

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Speaker 4: do my thirteen week anatomy scan, and that wasn't done

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Speaker 4: at my obstetrician. That was done externally, and that was

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Speaker 4: four hundred and thirty dollars and I got one hundred

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Speaker 4: and fourteen dollars and sixty five cents back on my

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Speaker 4: Medicare rebate. Week fourteen was just a whole heap of medications.

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Speaker 4: That was the week that my utube gestrine doubled, so

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Speaker 4: it went to one hundred and eighty one dollars and

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Speaker 4: ninety eight cents Week fifteen no expenses money. Whin week sixteen,

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Speaker 4: I had my private ob management fee come out at

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Speaker 4: two and a half thousand dollars, and then again I

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Speaker 4: had to top up on my supplements, so my prenatals

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Speaker 4: I started taking Ultraflora, which is kind of like a probiotic,

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Speaker 4: which I wasn't having a very good time with all

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Speaker 4: the other medications, so I got something to support that

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Speaker 4: I'd done a blood test that was included, thankfully, so

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Speaker 4: that didn't cost me anything out of pocket. But I

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Speaker 4: was low in iron, so I started taking iron supplements,

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Speaker 4: a vitamin D supplement and C. I also needed to

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Speaker 4: take some B twelve so that was twenty one dollars,

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Speaker 4: twenty six dollars, thirty two dollars, and twenty eight dollars

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Speaker 4: for those rech respectively, and then I had some hospital parking.

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Speaker 4: I then, at about twenty weeks, which by the way,

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Speaker 4: this is really late in the game, I decided that

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Speaker 4: I really wanted to have a douller.

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Speaker 2: And the reason I wanted to have a dollar was

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Speaker 2: because of past birth trauma.

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Speaker 4: I just really in my first berth didn't feel like

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Speaker 4: I was supported And this whole time I'd kind of

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Speaker 4: had it in the back of my mind that that

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Speaker 4: was something I wanted to do, but I also just

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Speaker 4: wasn't sure because I have a really supportive husband. So

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Speaker 4: I was like, no, we can do it, like anyway,

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Speaker 4: changed my mind on that and hired Steph, who was

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Speaker 4: my birth dollar and honestly the most incredible person in

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Speaker 4: the entire world. She has since changed her fees. I

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Speaker 4: did definitely tell her that they were too low for

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Speaker 4: what she was offering. But my DULA package I started

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Speaker 4: at twenty weeks, which if I was you and you

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Speaker 4: have decided that a doula is something that you want

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Speaker 4: to have as part of your birth experience, I would

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Speaker 4: be basically trying to set them up the second I

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Speaker 4: got a positive pregnancy test, because the good doulers get

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Speaker 4: booked out then, and I'm just lucky that I got

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Speaker 4: in with Steph. Anyway, that cost was split into four,

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Speaker 4: so my deposit for my dula birth package was eight

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Speaker 4: hundred and seventy five dollars. Then week twenty one, I

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Speaker 4: had another external anatomy scan at four hundred and seventy

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Speaker 4: five dollars with a one hundred and sixty five dollars

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Speaker 4: Medicare rebate, And at that point my rebate went up

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Speaker 4: a little bit because I hit my cap for the year.

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Speaker 4: I also have got a note here that I started

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Speaker 4: getting really bad acid reflux and heartburn, so we started

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Speaker 4: adding a prescription medication for acid reflux and heartburn, and

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Speaker 4: then things like Gavascon and my lanter in addition to

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Speaker 4: my nausea medications which I was still taking. So we're

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Speaker 4: speeding through that. In week twenty two, I spent seventy

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Speaker 4: eight dollars on medications. Then week twenty four I spent

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Speaker 4: three hundred and seventeen dollars and ninety eight cents because

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Speaker 4: I needed to have an iron infusion. Personally, I chose

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Speaker 4: to do that in a private setting as opposed to

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Speaker 4: going into hospital for that, absolutely acknowledging my privilege of

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Speaker 4: choice there, but wanted to do that. But that cost

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Speaker 4: me two hundred and fifty dollars and then it cost

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Speaker 4: me forty dollars for the script for that, and then

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Speaker 4: we had some gavascon and my lanter fee wi is

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Speaker 4: twenty five weeks. I spent sixteen dollars on hospital parking.

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Speaker 4: I did actually end up spending a lot on hospital

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Speaker 4: parking during miss pregnancy. As I mentioned before, I had

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Speaker 4: recurrent miscarriage, so I was actually seeing my obstetrician every

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Speaker 4: two weeks, which is something that I'm really grateful for,

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Speaker 4: because every two weeks I would go into his offices

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Speaker 4: and I would have an ultrasound. So that's something that

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Speaker 4: was one of the driving forces behind me going no, no, no,

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Speaker 4: I don't want to use the public system. Was that

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Speaker 4: additional support, that additional hand holding, because by the time

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Speaker 4: I was pregnant with Campbell, I had experienced for late

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Speaker 4: stage miscarriages and the anxiety from that was, I would say, horrific.

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Speaker 4: So the idea that I could have an obstetrician that

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Speaker 4: would hold my hand through that process and basically say

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Speaker 4: you just call me and you can come in and

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Speaker 4: you can see your baby whenever you would like. And

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Speaker 4: it didn't cost me anything extra, like I wasn't paying

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Speaker 4: out of pocket for those scans because he had an

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Speaker 4: ultrasound machine in his rooms. Like to me, that was

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Speaker 4: peace of mind. And it was one of the big

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Speaker 4: reasons that I genuinely went down the private path again

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Speaker 4: after Harvey. I had really reconsidered and been like, oh, well,

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Speaker 4: the public system is honestly just as good, but for me,

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Speaker 4: just the privilege of having somebody hold my hand was

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Speaker 4: really good. So shout out to doctor Scott Shema, you

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Speaker 4: are an icon. Anyway, we'll skip past. We are now

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Speaker 4: at week twenty seven, which was an expensive week again

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Speaker 4: nineteen dollars in hospital parking, but I had another private

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Speaker 4: obstetrician management fee of two and a half thousand dollars.

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Speaker 4: I also had my second installment of my DULA birth package,

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Speaker 4: which was eight hundred and seventy five dollars, bringing us

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Speaker 4: up to three thousand, three hundred and ninety four dollars

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Speaker 4: for that week, which brings us to the end of

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Speaker 4: trimester two. So in trimester two I'd spent around eight thousand,

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Speaker 4: four hundred and seventy two dollars and seven cents, which

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Speaker 4: brings us to a rolling total of twenty thousand, six

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Speaker 4: hundred and fifty three dollars and twelve cents all up,

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Speaker 4: which is almost now triple that initial figure supplied in

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Speaker 4: the research at the top of this episode. Again, while

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Speaker 4: private health Cover does definitely play into things, it is

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Speaker 4: only a third of that story. I don't know am

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Speaker 4: I going to crack the thirty thousand dollar mark? My friends,

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Speaker 4: you are going to have to stick around till after

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Speaker 4: the break to find out.

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Speaker 2: Hello and welcome back.

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Speaker 4: And in case you need a little recab, we are

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Speaker 4: covering what it actually cost me personally to have a

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Speaker 4: baby in Australia in the private health system, with my

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Speaker 4: literal receipts to prove it. A little caveat for me

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Speaker 4: is that I obviously did have things like private health

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Speaker 4: Cover before and then throughout my pregnancy, but I also

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Speaker 4: experienced some very traumatic nausea. So, as I said before,

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Speaker 4: medications have played a really big role in my spend,

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Speaker 4: which I'm really hoping doesn't play a really big role

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Speaker 4: in yours. But if I'm going to be saying that

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Speaker 4: I'm putting all my receipts on the table, I should

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Speaker 4: be as transparent as possible and give you a dollar

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Speaker 4: by dollar breakdown.

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Speaker 2: But we are finally here.

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Speaker 4: We're at the third trimester, and while I may have

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Speaker 4: spent the least during this trimester, a really good chunk

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Speaker 4: of my money actually went towards fighting heartburn and absolutely

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Speaker 4: smashing through m dual dates and Raspberry Leaf tea because

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Speaker 4: your girl is de Lulu and I was trying very

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Speaker 4: hard to have a v back. Now, I'm gonna just

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Speaker 4: preface that because not everyone listening is going to know

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Speaker 4: what a v back is. A v back is a

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Speaker 4: vaginal birth after a cesarean. And when I had Harvey,

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Speaker 4: I ended up having an emergency cesarean. And then when

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Speaker 4: I had Campbell, I really wanted to try for a

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Speaker 4: vaginal birth. Unfortunately that didn't end up happening. And I

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Speaker 4: will explain that later when we start talking about costs.

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Speaker 4: But when it comes to things like module dates and

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Speaker 4: your Raspberry Leaf tea, I mean, there is some research,

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Speaker 4: or there is some genuine research behind having madual dates

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Speaker 4: in your third trimester of pregnancy because side note, apparently

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Speaker 4: they help you soften your cervix so that you're in

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Speaker 4: the best possible position to give birth. But maybe you

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Speaker 4: aren't going to spend money on that, and that's fine.

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Speaker 4: I do stand by my decision because even if you

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Speaker 4: don't believe in the research, I guess they're really good

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Speaker 4: for regulating your sugar levels, and I guess they're packed

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Speaker 4: with fiber. And I'm telling you right now with nausea

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Speaker 4: medication running through my veins, basically at this point, fiber

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Speaker 4: is definitely necessary. And I'm not going to hear any

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Speaker 4: any module dates lander now when it comes to third

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Speaker 4: trimester between weeks twenty eight and forty and by the way,

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Speaker 4: is where it ends, because I ended up actually giving

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Speaker 4: birth to Campbell on my due date, so smack bang

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Speaker 4: on forty weeks, I spent a total of foury one

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Speaker 4: hundred and two dollars and ninety six cents. In week

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Speaker 4: twenty eight, I spent two hundred and eighty dollars. This

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Speaker 4: is definitely I would say, like nice to have. I

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Speaker 4: ended up buying a relatively expensive pregnancy pillow.

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Speaker 2: I love her.

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Speaker 4: It's the bebe hug me it was two hundred and

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Speaker 4: ten dollars including delivery. I got it on Amazon. I

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00:21:32,200 --> 00:21:35,560
Speaker 4: actually haven't seen it that cheap since. But at that

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00:21:35,680 --> 00:21:37,720
Speaker 4: point I was getting uncomfortable and I was like, you

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Speaker 4: know what, putting the pillows from the spare bedroom between

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Speaker 4: my legs is no longer cutting the mustard. And the

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Speaker 4: rest of that week was nausea medications and other medications

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Speaker 4: like Gaviscon and my Lanter. We skipped a week thirty.

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Speaker 4: I spent two hundred and eighty nine dollars and seventeen

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Speaker 4: cents because I needed a big top up of all

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Speaker 4: of my supplements. Obviously that happened all at once, which

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00:21:59,040 --> 00:22:03,199
Speaker 4: was quite frustrating. So again prenatals, my probiotics, vitamin D,

399
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Speaker 4: vitamin C, iron, and B twelve.

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Speaker 2: I then went a little bit d Lulu.

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Speaker 4: And this is where some people are going to say, Victoria, divine,

402
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Speaker 4: what are you doing? I saw a chiropractor, and you

403
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Speaker 4: know what, I don't want to hear it. This chiropractor

404
00:22:16,880 --> 00:22:20,520
Speaker 4: genuinely helped me spin my baby because at thirty one weeks,

405
00:22:20,560 --> 00:22:23,760
Speaker 4: I was told that my baby was breach and for

406
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Speaker 4: somebody hoping for a vback, that was not an ideal scenario.

407
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Speaker 4: So I spent sixteen dollars on hospital parking and I

408
00:22:31,240 --> 00:22:34,440
Speaker 4: did a Cairo initial appointment which was one hundred and

409
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Speaker 4: sixty dollars. Then in week thirty two, I spent one

410
00:22:38,400 --> 00:22:41,119
Speaker 4: hundred and ninety two dollars and ninety six cents. I

411
00:22:41,280 --> 00:22:44,960
Speaker 4: had updates of all of my vaccinations. I had hooping cough,

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00:22:45,080 --> 00:22:49,520
Speaker 4: RSVP and my flu done at my GP all the

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Speaker 4: same time, and then medications. From this point onwards, I

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Speaker 4: start seeing that chiropractor every single week and that is

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Speaker 4: seventy dollars. Then in week thirty four, I have my

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Speaker 4: third installation of my dollar birth package, another eight hundred

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Speaker 4: and seventy five dollars, and then I had my thirty

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Speaker 4: four week anatomy scan which was four hundred and forty

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Speaker 4: five dollars, and then I got one hundred and sixty

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Speaker 4: three dollars back on Medicare. It's this week, at thirty

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Speaker 4: four weeks that I start smashing Moduel dates, like I'm

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Speaker 4: having a whole packet of modual dates a week. Because

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Speaker 4: the recommendation based on research, and you do your own,

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00:23:30,200 --> 00:23:33,000
Speaker 4: but the recommendation is that you have at least four

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Speaker 4: modul dates a day to see any benefits, so that

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Speaker 4: was another thirteen dollars, and then my Raspberry Leaf tea

427
00:23:38,960 --> 00:23:42,640
Speaker 4: was costing me four dollars and ninety eight cents a week.

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Speaker 4: Wick thirty five I spent two hundred and forty four dollars.

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Speaker 4: I obviously had my Cairo my module dates my Raspberry

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Speaker 4: Leaf tea, but I also in that week went and

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Speaker 4: saw a pelvic floor physio, which I one thousand percent recommend,

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Speaker 4: and that cost me one hundred and forty five dollars

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Speaker 4: out of pocket. Week thirty six, again the dual dates

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Speaker 4: Raspbee leef Tee Cairo Hospital parking. At this point, I'm

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00:24:06,600 --> 00:24:10,199
Speaker 4: seeing my obstetrition every single week for a little update

436
00:24:10,280 --> 00:24:14,000
Speaker 4: and scan, and then skipping to thirty eight weeks, I

437
00:24:14,119 --> 00:24:18,119
Speaker 4: start taking another supplement. So that week it costs me

438
00:24:18,160 --> 00:24:20,919
Speaker 4: one hundred and thirty seven dollars and ninety eight cents

439
00:24:21,520 --> 00:24:26,320
Speaker 4: because I've added magnesium glycinate powder at thirty three dollars

440
00:24:26,359 --> 00:24:30,040
Speaker 4: and ninety nine cents because I wasn't sleeping, and also

441
00:24:30,119 --> 00:24:33,240
Speaker 4: it helps relax you. I saw a natural path throughout

442
00:24:33,240 --> 00:24:36,359
Speaker 4: my entire pregnancy. In fact, I have seen Zoe and

443
00:24:36,400 --> 00:24:39,040
Speaker 4: I adore Zoea. I'll put her information in the show

444
00:24:39,119 --> 00:24:41,560
Speaker 4: notes just because she's a phenomenal human being. I have

445
00:24:41,840 --> 00:24:45,280
Speaker 4: seen Zoe for now years and during this pregnancy, she

446
00:24:45,400 --> 00:24:48,440
Speaker 4: supported me like none other. And so if you're hearing

447
00:24:48,480 --> 00:24:51,320
Speaker 4: me say supplements, they're not just because I've gone on

448
00:24:51,320 --> 00:24:53,360
Speaker 4: the internet and been like, oh, that sounds good, it's

449
00:24:53,400 --> 00:24:57,160
Speaker 4: because those were recommended by my natural path I don't

450
00:24:57,160 --> 00:24:59,160
Speaker 4: recommend them for you. I think you need to go

451
00:24:59,240 --> 00:25:02,560
Speaker 4: and see a natural and have someone recommend what makes

452
00:25:02,560 --> 00:25:05,240
Speaker 4: sense for your body. And she did all of my

453
00:25:05,320 --> 00:25:08,439
Speaker 4: blood work and all of these tests before even recommending

454
00:25:08,520 --> 00:25:11,119
Speaker 4: one thing that I ingest, so for me, that was

455
00:25:11,200 --> 00:25:15,000
Speaker 4: really good. Then thirty nine weeks, we're still just chilling.

456
00:25:15,160 --> 00:25:17,439
Speaker 4: I was really hoping that I would have a baby

457
00:25:17,480 --> 00:25:20,160
Speaker 4: this week. I did not, So again we're a dual dates.

458
00:25:20,200 --> 00:25:23,040
Speaker 4: We're Cairo, we are Raspberry Leaf Tea, and I had

459
00:25:23,040 --> 00:25:25,800
Speaker 4: to go to the hospital twice that week, so parking

460
00:25:25,880 --> 00:25:30,040
Speaker 4: was twelve dollars and then sixteen dollars week forty. We

461
00:25:30,160 --> 00:25:33,160
Speaker 4: have a baby this week, which is very very exciting.

462
00:25:33,400 --> 00:25:37,040
Speaker 4: Same week, I also have my fourth installation of my

463
00:25:37,119 --> 00:25:41,200
Speaker 4: Duler Birth Package, which is eight hundred and seventy five dollars,

464
00:25:41,640 --> 00:25:44,840
Speaker 4: so I ended up spending just over four thy one

465
00:25:44,920 --> 00:25:48,960
Speaker 4: hundred dollars in this trimester, bringing my total to twenty

466
00:25:48,960 --> 00:25:53,320
Speaker 4: four thousand, seven hundred and fifty six dollars and eight cents.

467
00:25:53,880 --> 00:25:57,000
Speaker 4: So what wasn't included there? So that was just my

468
00:25:57,040 --> 00:26:00,960
Speaker 4: pregnancy costs, like it didn't include the edition birth costs.

469
00:26:01,400 --> 00:26:03,800
Speaker 4: So I won't get too much into it because nobody

470
00:26:03,800 --> 00:26:07,800
Speaker 4: needs me trauma dumping my second traumatic pregnancy. I'll do

471
00:26:07,920 --> 00:26:11,159
Speaker 4: that over on Australian birth stories very soon. But I

472
00:26:11,280 --> 00:26:14,520
Speaker 4: ended up having an emergency cesarean because I had a

473
00:26:14,920 --> 00:26:18,800
Speaker 4: uterus or a uterine rupture, which if anyone has ever

474
00:26:18,920 --> 00:26:22,000
Speaker 4: experienced that, I am so sorry, but yes, you kind

475
00:26:22,040 --> 00:26:24,159
Speaker 4: of go running down the hallways and we have to

476
00:26:24,160 --> 00:26:28,920
Speaker 4: get the baby out asap. And when you have a cesarean,

477
00:26:29,600 --> 00:26:34,000
Speaker 4: you then incurse some additional costs. So I had fifteen

478
00:26:34,080 --> 00:26:37,480
Speaker 4: hundred dollars for an anithetist to be there, and then

479
00:26:37,680 --> 00:26:40,960
Speaker 4: I also spent a total of eight hundred and eight

480
00:26:41,080 --> 00:26:44,280
Speaker 4: dollars on a pediatrician because you have to pay for

481
00:26:44,320 --> 00:26:48,960
Speaker 4: a pediatrician to be in attendance to your cesarean. Honestly,

482
00:26:49,040 --> 00:26:51,600
Speaker 4: there were you know, some other out of pocket costs

483
00:26:51,680 --> 00:26:56,359
Speaker 4: associated with my hospital stay. I gave birth in Melbourne, Australia,

484
00:26:56,440 --> 00:26:58,680
Speaker 4: and the hospital that I gave birth at I gave

485
00:26:58,760 --> 00:27:02,080
Speaker 4: birth at Epworth Is anyway one is interested at Worth Freemasons,

486
00:27:02,320 --> 00:27:06,560
Speaker 4: they have a partnership with a local hotel and you

487
00:27:06,840 --> 00:27:11,000
Speaker 4: go to that hotel to recover, which was honestly phenomenal.

488
00:27:11,000 --> 00:27:13,080
Speaker 4: So I spent three nights in the hospital after my

489
00:27:13,119 --> 00:27:16,800
Speaker 4: cesarean and was deemed fit to go to the hotel

490
00:27:16,880 --> 00:27:20,119
Speaker 4: for two nights, and there are midwives there. They have

491
00:27:20,320 --> 00:27:22,680
Speaker 4: all of the bells and whistles that they had in hospital,

492
00:27:22,880 --> 00:27:26,040
Speaker 4: but it was just, honestly so much nicer to experience.

493
00:27:26,440 --> 00:27:30,359
Speaker 4: But during that period of time, food was only covered

494
00:27:30,400 --> 00:27:33,359
Speaker 4: for me, not for my husband, so we were paying

495
00:27:33,440 --> 00:27:36,800
Speaker 4: out of pocket kind of like room service costs for that.

496
00:27:37,440 --> 00:27:40,880
Speaker 4: And then thankfully that was my first hospital stay during

497
00:27:40,880 --> 00:27:43,639
Speaker 4: that pregnancy, so I had to pay my excess on

498
00:27:43,800 --> 00:27:47,280
Speaker 4: my private health insurance, which was seven hundred and fifty dollars,

499
00:27:47,640 --> 00:27:51,760
Speaker 4: which actually takes the total for my pregnancy and birth

500
00:27:52,240 --> 00:27:56,960
Speaker 4: well and truly to over twenty five thousand dollars. So

501
00:27:57,920 --> 00:28:00,680
Speaker 4: the conversation now is like why is it worth it

502
00:28:00,920 --> 00:28:01,199
Speaker 4: for me?

503
00:28:01,840 --> 00:28:07,000
Speaker 2: Yes? What would I do differently next time? I don't know.

504
00:28:07,480 --> 00:28:10,719
Speaker 4: I'm looking now at potentially getting rid of my private

505
00:28:10,760 --> 00:28:13,800
Speaker 4: health cover, not entirely because I need it at a

506
00:28:13,840 --> 00:28:18,760
Speaker 4: base level, but maybe dropping it down because ultimately, one

507
00:28:18,800 --> 00:28:21,560
Speaker 4: of the things that I've taken into consideration here is

508
00:28:21,600 --> 00:28:25,120
Speaker 4: that I have had to have the top hospital cover

509
00:28:25,640 --> 00:28:30,800
Speaker 4: for my pregnancy from once I finished having my first baby,

510
00:28:30,880 --> 00:28:33,359
Speaker 4: right because I didn't know. I knew truly that I

511
00:28:33,359 --> 00:28:35,560
Speaker 4: wanted a second baby, but I didn't know when that

512
00:28:35,640 --> 00:28:39,200
Speaker 4: baby would come. So from the day I gave birth

513
00:28:39,240 --> 00:28:42,840
Speaker 4: to Harvey to the day I gave birth to Campbell,

514
00:28:42,960 --> 00:28:47,080
Speaker 4: I needed to have private health insurance and so for me,

515
00:28:47,240 --> 00:28:50,320
Speaker 4: that cost if you added that up the entire time,

516
00:28:51,000 --> 00:28:53,320
Speaker 4: I think if I had just paid out of pocket

517
00:28:53,360 --> 00:28:56,280
Speaker 4: to stay in a private hospital, which you absolutely can do,

518
00:28:56,560 --> 00:28:59,160
Speaker 4: I actually think I would have saved money there. I mean,

519
00:28:59,400 --> 00:29:03,840
Speaker 4: it's completely going to change, and it's actually been standardized

520
00:29:04,240 --> 00:29:08,440
Speaker 4: in Australia that all gold level like tiers of coverage

521
00:29:08,480 --> 00:29:12,960
Speaker 4: in Australia must include pregnancy and birth, assisted reproductive services,

522
00:29:13,000 --> 00:29:17,320
Speaker 4: a neonatal intensive care. So I mean, if you're shopping around,

523
00:29:17,400 --> 00:29:21,000
Speaker 4: you're actually looking at the top tier between different insurers

524
00:29:21,080 --> 00:29:23,000
Speaker 4: if you want all of that covered, and then if

525
00:29:23,000 --> 00:29:25,760
Speaker 4: you were to, like me, be considering going without, you

526
00:29:25,840 --> 00:29:27,840
Speaker 4: might want to look at the out of pocket costs

527
00:29:27,840 --> 00:29:31,360
Speaker 4: for all of those insurances in comparison as well, because

528
00:29:31,400 --> 00:29:33,800
Speaker 4: it's not just covering some of your hospital stay right,

529
00:29:33,920 --> 00:29:36,360
Speaker 4: Like if something goes wrong and you need nick you

530
00:29:36,600 --> 00:29:39,800
Speaker 4: or you need you know, reproductive services, maybe that's something

531
00:29:39,840 --> 00:29:40,440
Speaker 4: to consider.

532
00:29:40,760 --> 00:29:42,800
Speaker 2: I did a little bit of a comparison and humbled

533
00:29:42,800 --> 00:29:43,720
Speaker 2: myself as well.

534
00:29:43,800 --> 00:29:48,720
Speaker 4: So the most affordable open Gold policy with the same

535
00:29:48,840 --> 00:29:51,640
Speaker 4: excess that I had, which is seven hundred and fifty dollars,

536
00:29:52,080 --> 00:29:55,520
Speaker 4: is approximately two hundred and twenty dollars a month without

537
00:29:55,560 --> 00:30:00,240
Speaker 4: the health insurance rebate. Stupidly, I'm paying double that. Maybe

538
00:30:00,280 --> 00:30:03,040
Speaker 4: because I'm loyal to my health insurer. I don't know.

539
00:30:03,120 --> 00:30:05,880
Speaker 4: I don't think I should be loyal moving forward. But

540
00:30:06,080 --> 00:30:08,960
Speaker 4: for you, it might be very worth paying to shop around.

541
00:30:09,320 --> 00:30:11,560
Speaker 4: And then the type of coverage that you get, it

542
00:30:11,640 --> 00:30:14,320
Speaker 4: might actually be cheaper depending on where you are located

543
00:30:14,360 --> 00:30:17,480
Speaker 4: and which hospitals are in your area. So, for example,

544
00:30:17,960 --> 00:30:21,440
Speaker 4: some insurers offer more competitive rates if you live in Perth.

545
00:30:21,840 --> 00:30:25,640
Speaker 4: I was comparing what it was based on Melbourne and

546
00:30:25,680 --> 00:30:27,640
Speaker 4: Perth because we have someone in our team based in

547
00:30:27,680 --> 00:30:30,680
Speaker 4: Perth and I was shocked at how much cheaper it

548
00:30:30,840 --> 00:30:33,960
Speaker 4: was in Perth. So maybe you should also consider moving

549
00:30:34,000 --> 00:30:37,360
Speaker 4: states I kid, and then you might also want to

550
00:30:37,560 --> 00:30:41,000
Speaker 4: consider your Medicare limits because mine actually ran out halfway

551
00:30:41,040 --> 00:30:45,200
Speaker 4: through my pregnancy. As always, this is not financial advice.

552
00:30:45,320 --> 00:30:49,000
Speaker 4: Please make sure that you read whatever pds associated with

553
00:30:49,040 --> 00:30:51,760
Speaker 4: your health insurance and check for any gap fees if

554
00:30:51,760 --> 00:30:55,440
Speaker 4: you're preverred like private hospital is or isn't included.

555
00:30:56,080 --> 00:30:57,400
Speaker 2: But for me, all of.

556
00:30:57,280 --> 00:30:59,600
Speaker 4: This is added up. I don't regret it. But also

557
00:30:59,680 --> 00:31:02,920
Speaker 4: that does and include even one nappy. It doesn't include

558
00:31:03,040 --> 00:31:05,880
Speaker 4: the formula, it doesn't include you know, a bed, It

559
00:31:05,880 --> 00:31:09,560
Speaker 4: doesn't include any technical baby costs. That is just pregnancy

560
00:31:09,720 --> 00:31:13,080
Speaker 4: and birth. And you could definitely do it much cheaper

561
00:31:13,240 --> 00:31:16,320
Speaker 4: using the public system. And maybe this episode has like

562
00:31:16,400 --> 00:31:19,440
Speaker 4: really reiterated to you, like wow, I didn't realize that

563
00:31:19,840 --> 00:31:22,440
Speaker 4: if you go through the private system, you do have

564
00:31:22,480 --> 00:31:25,080
Speaker 4: to pay for your obstetrician out of pocket, you do

565
00:31:25,200 --> 00:31:28,480
Speaker 4: have to pay for external scans, And I didn't realize that.

566
00:31:28,520 --> 00:31:30,320
Speaker 4: I thought you just you know, claimed it on your

567
00:31:30,320 --> 00:31:33,200
Speaker 4: private health insurance, Like I spent seven and a half

568
00:31:33,280 --> 00:31:36,640
Speaker 4: thousand dollars total on a private obstetrician and that is

569
00:31:36,680 --> 00:31:39,600
Speaker 4: not covered by my private health insurance. So I think

570
00:31:39,600 --> 00:31:42,760
Speaker 4: that's definitely worthy of consideration as well. And to be honest,

571
00:31:43,160 --> 00:31:45,520
Speaker 4: if you I don't know, I don't want to give

572
00:31:45,560 --> 00:31:48,240
Speaker 4: advice because you do you, but if you have no

573
00:31:48,360 --> 00:31:52,520
Speaker 4: complications and you're okay to go through the public system,

574
00:31:52,560 --> 00:31:56,160
Speaker 4: like I don't know why anyone wouldn't like my anxiety

575
00:31:56,240 --> 00:31:59,360
Speaker 4: and my health anxiety and everything led me to the

576
00:31:59,360 --> 00:32:02,800
Speaker 4: private ceas And for me personally, I don't regret that,

577
00:32:02,880 --> 00:32:05,760
Speaker 4: but that doesn't mean that's what you should do anyway.

578
00:32:05,920 --> 00:32:08,560
Speaker 4: I'll be sharing all of their helpful insurance links in

579
00:32:08,600 --> 00:32:12,200
Speaker 4: the show notes and a very helpful baby budget tracker

580
00:32:12,240 --> 00:32:14,040
Speaker 4: which I used and I know a lot of people

581
00:32:14,080 --> 00:32:16,560
Speaker 4: in our community have used and loved so that you

582
00:32:16,560 --> 00:32:19,200
Speaker 4: can save and then you know, use that during your

583
00:32:19,200 --> 00:32:22,280
Speaker 4: own journeys. But if you loved this episode and hanging

584
00:32:22,320 --> 00:32:24,800
Speaker 4: out with me solo, I mean, please share it with

585
00:32:24,880 --> 00:32:27,160
Speaker 4: friend or someone who might you know, want to know

586
00:32:27,240 --> 00:32:29,800
Speaker 4: more about the finances of planning a baby, or maybe

587
00:32:29,840 --> 00:32:31,239
Speaker 4: even they want to laugh at me for how much

588
00:32:31,280 --> 00:32:33,160
Speaker 4: it costs me. I mean, we need to get something

589
00:32:33,160 --> 00:32:34,520
Speaker 4: out of the fact that it cost me well on

590
00:32:34,640 --> 00:32:36,520
Speaker 4: twenty five thousand dollars to be pregnant.

591
00:32:36,800 --> 00:32:39,080
Speaker 2: Anyway, Love you guys. Please subscribe so that.

592
00:32:39,000 --> 00:32:41,800
Speaker 4: You never miss the next episode and I'll see you

593
00:32:41,880 --> 00:32:43,360
Speaker 4: later in the week for Friday drinks.

594
00:32:43,600 --> 00:32:47,600
Speaker 2: Bye.

595
00:32:48,320 --> 00:32:50,840
Speaker 4: The advice shared on She's on the Money is general

596
00:32:50,920 --> 00:32:54,760
Speaker 4: in nature and does not consider your individual circumstances. She's

597
00:32:54,800 --> 00:32:58,280
Speaker 4: on the Money exists purely for educational purposes and should

598
00:32:58,280 --> 00:33:00,360
Speaker 4: not be relied upon to make an investment meant or

599
00:33:00,440 --> 00:33:04,520
Speaker 4: financial decision. If you do choose to buy a financial product, read.

600
00:33:04,320 --> 00:33:07,640
Speaker 1: The PDS TMD and obtain appropriate financial.

601
00:33:07,240 --> 00:33:09,040
Speaker 2: Advice tailored towards your needs.

602
00:33:09,400 --> 00:33:13,360
Speaker 1: Victoria Divine and She's on the Money are authorized representatives

603
00:33:13,400 --> 00:33:15,920
Speaker 1: of Money sherper P T y lt D A b

604
00:33:16,120 --> 00:33:19,160
Speaker 1: N three two one six four nine two seven seven

605
00:33:19,280 --> 00:33:26,880
Speaker 1: zero eight AFS L four five one two eight nine