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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to The Money, the podcast for millennials

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Speaker 4: who want financial freedom. My name is beck Syed and

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Speaker 4: with me is Victoria Divine, former financial advisor and a

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Speaker 4: new mama. Hello, how are you feeling.

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Speaker 1: I'm good. Actually, you would be surprised.

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Speaker 4: Yeah, you don't look like you haven't slept.

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Speaker 5: That's because I, at this point in time, have a

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Speaker 5: baby who is relatively forgiving. Don't get me wrong, that

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Speaker 5: could change at any moment, so we're just taking it

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Speaker 5: day by day. But he gave me a great sleep

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Speaker 5: last night. And I am taking wins where I see them.

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Speaker 4: That's so good, very easy to have a baby.

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Speaker 5: That's not what I said, Okay, I just said I'm

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Speaker 5: taking the wins when I get But Beck, I am

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Speaker 5: very excited to be back, especially with this episode.

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Speaker 1: And yes, this episode is the confluence of both of.

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Speaker 5: These things that I love. It's all about how much

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Speaker 5: it really costs to bring a baby into the world.

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Speaker 5: It's obviously a very big time in every aspect of

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Speaker 5: when you're in this of life. Believe me, I know now,

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Speaker 5: and unsurprisingly, many soon to be parents are very blindsided

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Speaker 5: by the true cost of pregnancy parenthood, which obviously actually

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Speaker 5: starts to accumulate way before the baby arrives, right, And

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Speaker 5: I feel like I have felt this through and through

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Speaker 5: so I have been keeping track of exactly what I

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Speaker 5: have been spending and now I'm going to share it

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Speaker 5: with you, so Beck, because preparation it breeds success. I'm

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Speaker 5: here to break down the true cost of having a

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Speaker 5: baby in Australia in twenty twenty four. So today we're

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Speaker 5: going to be talking about Obviously my experience, and my

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Speaker 5: experience is not the experience of every single person, Like

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Speaker 5: birth and pregnancy is different for every single human being.

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Speaker 5: It could be zero dollars in total for you to

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Speaker 5: have a baby. Let's be honest, there is a way,

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Speaker 5: but it could also be tens of thousands of dollars

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Speaker 5: to have a baby. And to be full transparent, I

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Speaker 5: went through the private system. I will tell you what

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Speaker 5: that cost me. We are going to talk about why

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Speaker 5: I picked that, what I would pick next time, but

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Speaker 5: we will also be breaking down the cost of birthing

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Speaker 5: in private versus public. We're going to be talking about

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Speaker 5: the cost of fitting out a nursery, and then after

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Speaker 5: the break, I'm going to be giving you the cost

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Speaker 5: of parental leave and childcare and some tips on the

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Speaker 5: unexpected areas that have really added up that could break

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Speaker 5: the bank. And I think that that might be a

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Speaker 5: pretty good place to start.

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Speaker 4: Yeah, I'm actually really excited for this episode because personally,

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Speaker 4: I'm like, I don't have any idea how much a

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Speaker 4: baby costs. I just like, how do they spend so

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Speaker 4: much on like something that doesn't you know what I mean, Like,

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Speaker 4: I'm so confused by it. So I'm very excited about

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Speaker 4: this one. I'm very excited about your insights on this.

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Speaker 4: But do we have a figure on what it costs

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Speaker 4: for the average Australian to have a baby.

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Speaker 5: Yes, so obviously I'm speaking on behalf of Steve as well,

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Speaker 5: but this has been one of the most exciting times

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Speaker 5: in our entire lives, and of course that actually has

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Speaker 5: meant that we've had to make some fine outial considerations

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Speaker 5: and do some restructures and work out what's going on.

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Speaker 5: So obviously, again, every single family is different. I don't know,

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Speaker 5: I felt when we're putting this episode together that I

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Speaker 5: was like, do I tell everybody what we've paid? Because

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Speaker 5: obviously we have a lot more privilege than a lot

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Speaker 5: of people. We have two full time working parents in

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Speaker 5: this situation, and I look at it and go, Okay,

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Speaker 5: that's not the experience of everybody. But I think by

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Speaker 5: me sharing it, it just gives you an insight. By

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Speaker 5: no means is that the right way to do it, though, Like,

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Speaker 5: the right way is the way that works for you

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Speaker 5: and your family. So every family is different. But for

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Speaker 5: the average Australian, the price tag that comes with adding

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Speaker 5: a tiny human to your family is huge. So from

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Speaker 5: the moment that your pregnancy is confirmed to the years

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Speaker 5: of child raising that come after the financial commitment is

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Speaker 5: very high, and the average monthly cost of having a

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Speaker 5: little baby in your life is between seven hundred and

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Speaker 5: seven hundred and fifty dollars back per month.

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Speaker 4: That's a hectic financial load.

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Speaker 5: It is a lot of money, but it doesn't have

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Speaker 5: to be sure. But also lots of people spend more

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Speaker 5: than that full transparency.

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Speaker 1: Thus far, I have spent more than that.

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Speaker 4: Yeah, I was gonna ask you.

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Speaker 1: I have definitely spent more.

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Speaker 4: Okay, okay, and I'm sure we will get into that more.

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Speaker 4: But I imagine you would have had all of your

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Speaker 4: spreadsheets and budget in place before Harvey was born.

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Speaker 1: Yes, because I am nothing if not prepared.

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Speaker 4: I wouldn't expect any less. Did your own costings come

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Speaker 4: out similar to this look on average?

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Speaker 5: Yes, but we also went through the private system, which

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Speaker 5: is much more expensive than the public system. But then

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Speaker 5: also we've made, you know, some bougie baby purchases that

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Speaker 5: we definitely didn't have to make that you definitely don't need,

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Speaker 5: but we have appreciated so things like we have purchased

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Speaker 5: a sterilizer for our baby bottles because Harvey is taking

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Speaker 5: formula and I didn't expect him to take formula, but

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Speaker 5: the sterilizer costs like two hundred dollars, whereas you could

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Speaker 5: just boil water and sterilize the bottles that way. So

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Speaker 5: that to me is a pretty bougie unnecessary purchase, but

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Speaker 5: it's one of those things that does make life easier.

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Speaker 5: Doesn't mean you need one, absolutely not, but if that's,

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Speaker 5: you know, the bane of your existence, to me makes

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Speaker 5: a lot of sense. But one of my girlfriends was like,

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Speaker 5: that is unnecessary. I just boil my bottles, and I'm like,

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Speaker 5: you do you boo?

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Speaker 4: We are all different, Okay, Yeah, well you know, you

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Speaker 4: got to do what you gotta do. And I feel like,

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Speaker 4: if it's saving some time and it's a convenient, then

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Speaker 4: why not if you have the money. Of course, let's

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Speaker 4: start with, like, I want to know where your financial

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Speaker 4: shocks were, because I know that, like first time baby,

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Speaker 4: you probably like me in a way where you're like,

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Speaker 4: I have no idea how much it's going to cost.

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Speaker 5: Yeah, So I think that's probably a really good place

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Speaker 5: to start because I'm going to talk about loss here

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Speaker 5: just as a little bit of a trigger warning. We

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Speaker 5: had two losses before we got pregnant with Harvey and

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Speaker 5: had a successful pregnancy and I don't think I had

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Speaker 5: comprehended how much that would cost. So I had a

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Speaker 5: very rude awakening when I had my second loss and

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Speaker 5: I needed to go into hospital to have surgery for that,

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Speaker 5: and I realized I was not covered for pregnancy even

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Speaker 5: though I had private health insurance cost so it ended

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Speaker 5: up costing me because I was going through the private system.

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Speaker 5: I'd set it all up through the private system because

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Speaker 5: I had assumed that I was covered, and that's on me.

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Speaker 5: Like as the girl who reads all the teas and

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Speaker 5: season understands the feace, you would think that I would know,

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Speaker 5: but it's kind of like the plumber who has a

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Speaker 5: leaky tap. I just assumed it was all good because

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Speaker 5: the private health insurance that I had picked historically worked

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Speaker 5: for me. But it wasn't working anymore because historically I

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Speaker 5: wasn't lanning on having a baby at all. So we

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Speaker 5: had to readjust my private health insurance at that point.

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Speaker 5: So my surgery for my second loss actually cost us

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Speaker 5: thirty five hundred dollars out of pocket because no private

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Speaker 5: health insurance was covering that, and it was done in

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Speaker 5: a private system. In the public system would have been free.

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Speaker 5: I was offered to move into the public system so

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Speaker 5: that I didn't have to have that. But again, I

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Speaker 5: was in the very privileged position where my husband and

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Speaker 5: I could afford that, and we both agreed that, given

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Speaker 5: I was going through that situation, given my doctor was

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Speaker 5: already there, I'd much prefer to spend that money, sure,

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Speaker 5: and just stay in the one place and have the

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Speaker 5: doctor that I would see for my subsequent pregnancies and

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Speaker 5: the woman that had looked after me historically do that

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Speaker 5: surgery for me. So I felt more comfortable. But yes,

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Speaker 5: that cost me thirty five hundred dollars out of pocket.

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Speaker 4: Is there like a reason why you chose to go

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Speaker 4: private other than like the reasons that you mentioned, like

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Speaker 4: comfort and having the same doctor and things like that.

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Speaker 4: Were they any reasons for you?

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Speaker 5: I was really anxious because historically I'd been told that

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Speaker 5: pregnancy would be hard for me. I have a couple

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Speaker 5: of underlying health conditions related to my immune system that

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Speaker 5: I knew I would need additional support for. I also

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Speaker 5: historically knew that my grandmother and my mother had a

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Speaker 5: pretty hard time during pregnancy and needed a number of interventions,

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Speaker 5: so I.

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Speaker 1: Assumed that would be the case for me.

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Speaker 5: Sure, I assumed correctly, and I did need those interventions.

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Speaker 5: Like Beck, you saw me when I was like thirty

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Speaker 5: eight weeks pregnant and still recording. I was so bloated

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Speaker 5: and puffy because of my hypertension. It was ridiculous, Like

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Speaker 5: I look like I had lost thirty kilos. The day

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Speaker 5: I walked out of the hospital after having Harvey, it

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Speaker 5: was elite. I felt like a new human being. But

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Speaker 5: I knew that these things were coming. And so after

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Speaker 5: discussing it with Steve and having historically had private health insurance,

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Speaker 5: to me, I was like, Okay, well let's go private.

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Speaker 1: Would I go private again? Maybe?

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Speaker 5: But I think I would also be quite comfortable in

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Speaker 5: the public system as well. I've got a best friend

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Speaker 5: who's pregnant at this point.

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Speaker 1: She's having a baby very very sooner.

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Speaker 5: Babies are going to be like ten weeks of heart,

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Speaker 5: which I'm very excited about, and she's in the public system,

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Speaker 5: and I've kind of been comparing the experiences, and to

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Speaker 5: be honest, given I knew that I would probably be

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Speaker 5: a high risk pregureancy as well, I would have been

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Speaker 5: very fine in the public system. So this isn't a

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Speaker 5: this is better, This is worse. I think that we

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Speaker 5: had just gone down that pathway. I already had private

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Speaker 5: health insurance, so in my head that made a lot

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Speaker 5: of sense. But as we start talking about the financials

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Speaker 5: of it, you might go, that doesn't make sense for us.

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Speaker 4: Sure.

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Speaker 5: Something I did not realize, Beck, is that when you

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Speaker 5: go in the private system, obviously you have your private

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Speaker 5: health insurance. And I am paying one hundred and thirty

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Speaker 5: four dollars per week for my private health insurance per week,

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Speaker 5: per week, okay, And I had to do that because

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Speaker 5: I had to step up from my previous health insurance,

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Speaker 5: which was like sixty dollars a week, I believe because

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Speaker 5: that private health insurance, same company, different levels of cover,

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Speaker 5: did not include pregnancy and birth, whereas I had to

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Speaker 5: step up to a level which is one hundred and

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Speaker 5: thirty four dollars a week to get the pregnancy and

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Speaker 5: birth cover that I needed to give birth in a

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Speaker 5: private hospital.

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Speaker 4: Okay, I guess it's hard to say now, and this

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Speaker 4: is probably quite a personal one, but do you expect

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Speaker 4: that you will kind of be able now to go back.

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Speaker 5: I will keep that level of private health insurance until

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Speaker 5: I'm done having children, and then at that point where

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Speaker 5: we'll probably drop it back down. So for me, this

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Speaker 5: is a season, it's not a forever. We're now on

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Speaker 5: like the gold ultimate level of cover, and it makes

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Speaker 5: me feel really secure. But back to the thing that

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Speaker 5: I didn't expect, in addition to having to increase my

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Speaker 5: private health insurance, is that I would have to pay

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Speaker 5: for a private obstetrician in addition to the private hospital cover.

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Speaker 5: And the private obstetrician is not covered by my private

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Speaker 5: health so that cost me ten thousand dollars out of pocket. Again,

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Speaker 5: I feel like I have to reiterate my privilege, and

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Speaker 5: I feel really bad always bringing it up, but we're

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Speaker 5: talking about my financial situation, and I think it's you know,

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Speaker 5: fair to be really transparent, but also I don't want

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Speaker 5: you guys thinking that I think this is expected. I

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Speaker 5: feel very grateful to be in this position. But that

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Speaker 5: did cost us ten thousand dollars on top of you know,

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Speaker 5: the private health that we're paying one hundred and thirty

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Speaker 5: four dollars a week for, yes, and then I had

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Speaker 5: to pay the excess on staying in hospital, and that

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Speaker 5: was seven hundred and fifty dollars. Oh okay, we did

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Speaker 5: stay in the hospital because we were private for a week.

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Speaker 1: You know, a little bit of birth story.

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Speaker 5: But I was induced, which means I went in the

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Speaker 5: night before and had another night in hospital. I then

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Speaker 5: ultimately ended up having a emergency cesarean. Everyone is okay

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Speaker 5: and healthy and happy, and it was the right decision

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Speaker 5: for us, But having a cesarean meant an additional cost.

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Speaker 5: Most of that was covered by our private health insurance.

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Speaker 5: But the additional cost would be for the additional staff

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Speaker 5: for the surgery, but also for an anethetist, and I

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Speaker 5: am now another four hundred dollars out of pocket. For

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Speaker 5: the anethetist, he costs thirty five hundred dollars. My private

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Speaker 5: health insurance obviously covered most of that, but we had

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Speaker 5: to pay an excess of four hundred dollars for him.

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Speaker 1: And all of that makes a lot of.

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Speaker 5: Sense, but there's a lot of costs to just having

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Speaker 5: the baby, and that's before you like deck out the

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Speaker 5: nursery and get everything up and running. However, just keep

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Speaker 5: in mind that those costs are private costs. Yes, they

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Speaker 5: are not the costs that are related to giving birth

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Speaker 5: in a public hospital. Yes, in a public hospital, you

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Speaker 5: do not have to pay for a private obstetrician because

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Speaker 5: there's obstetricians on staff and they look after you there.

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Speaker 5: That's why you're not guaranteed one, Whereas in my situation,

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Speaker 5: because I paid for her, I was basically guaranteed that

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Speaker 5: she would be there for my birth and she was yep.

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Speaker 5: And also, if you have to have an emergency cesarean

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Speaker 5: in the public system, it's all covered. So for me,

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Speaker 5: I had to pay for it because it was a

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Speaker 5: private surgery, whereas you know, if you go down the

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Speaker 5: public route, that's not a cost. So I'm feeling like

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Speaker 5: I need to remind you of that because I don't

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Speaker 5: want you to go, oh my gosh, if I have

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Speaker 5: a cesarean, that'll cost me a bomb or whatever. Really

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Speaker 5: that's not the case in the public system.

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Speaker 4: Okay, Yeah, it's definitely like not everyone. You didn't have

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Speaker 4: to go private, of course, and public is really really

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Speaker 4: an amazing system, Like we're really lucky, we are so lucky.

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Speaker 4: But it is very interesting to know kind of like

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Speaker 4: all the little ins and outs of it. Yeah, because

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Speaker 4: I know you mentioned the anethetist. Yes, all the other

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Speaker 4: things you had to pay for for the emergency cesarean.

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Speaker 1: That was all included, I coveted it was okay.

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Speaker 5: My obstetrician did have another fee associated with doing a cesarean,

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Speaker 5: so that was about one thousand dollars and that was

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Speaker 5: out of pocket. And then I ended up spending a

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Speaker 5: total of six nights in hospital before going home, and

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Speaker 5: all of those were included because of the private health cover.

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Speaker 5: So I paid that seven hundred and fifty dollars excess,

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Speaker 5: and then I just stayed for however long I needed.

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Speaker 5: And then because I was in the private system, I

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Speaker 5: did stay longer than what people in the public system

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Speaker 5: would stay. So I know that if you were to

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Speaker 5: give birth in a public hospital and to have a

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Speaker 5: cesarean and have the exact same circumstances as me, you'd

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Speaker 5: probably go home on day three, whereas I went home

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Speaker 5: on day seven.

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Speaker 4: I am so cute. Like, let's say, hypothetically, you go

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Speaker 4: in and you know, you pay for private health insurance.

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Speaker 4: You go in to private You're not expecting all of

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Speaker 4: these expenses, but they kind of hit you. Do you

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Speaker 4: know before you leave the hospital you have to pay

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Speaker 4: it all like, so you get invoiced for it later

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Speaker 4: pay at your own leisure. Yeah, So it's funny because

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Speaker 4: I didn't expect that. I thought that they'd just invoiced

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Speaker 4: us at the hospital, you know, we'd you know, pay

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Speaker 4: for it then, and they're they're too shy.

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Speaker 5: Yeah, Well, for the hospital when we checked in for

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Speaker 5: the birth, we actually paid the excess then, so we

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Speaker 5: gave them our credit card details and paid that seven

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Speaker 5: hundred and fifty dollars when we checked in, and then

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Speaker 5: when we checked out, there was a fee to pay

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Speaker 5: at the end because there were a few things that

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Speaker 5: we had to pay for in hospital sure that weren't

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Speaker 5: included much is that it was maybe like fifty dollars

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Speaker 5: worth of cost, okay, And they were just things like

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Speaker 5: the physio band that I ended up being given for

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Speaker 5: like my tummy to like kind of like suck it

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Speaker 5: in a little bit and give me a little bit

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Speaker 5: more support, and just like random medical supplies that weren't included.

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Speaker 5: And this is diff everywhere. Everything for me was included

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Speaker 5: in the hospital stay. So in the public system, every

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Speaker 5: hospital is different. But we had included nappies and wipes,

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Speaker 5: and they had formula there if you needed it, and

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Speaker 5: basically everything was included, whereas some public hospitals go beg

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Speaker 5: you're going to have to bring your own box of nappies,

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Speaker 5: You're gonna have to bring your own formula if you

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Speaker 5: want to use it, and bottles and stuff like that,

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Speaker 5: whereas for me, all.

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Speaker 1: Of that was included.

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Speaker 5: Yeah, okay, but yeah, they invoice you once you go home.

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Speaker 5: So we got a letter in the mail from our anethetist,

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Speaker 5: and we paid our obstetricians separately as well.

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Speaker 4: Right, Okay, so that's birth. Let's talk about everything pre birth.

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Speaker 4: I mean, I'm already getting anxious. I'm like, okay, this

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Speaker 4: is just the day or few days of birthing, but

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Speaker 4: there's so much before that.

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Speaker 5: Yeah, and I feel like, again, I spent a lot

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Speaker 5: in comparison to what a lot of people do. It

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Speaker 5: is not the expected. It's just what we did, and

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Speaker 5: it doesn't mean that it's the right thing to do.

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Speaker 5: But these are just things that were aligned to mind values.

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Speaker 5: So prior to even conceiving or even trying to have

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Speaker 5: a baby, both Steve and I did genetic testing. Okay,

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Speaker 5: that genetic testing was eight hundred and fifty dollars and

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Speaker 5: to us that was a really important cost. Sure, that

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Speaker 5: was eight hundred and fifty dollars out of pocket. Because

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Speaker 5: at the time that we did it, it wasn't covered. Private

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Speaker 5: health now covers a portion of that. I couldn't tell

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Speaker 5: you what it is because I didn't experience it, but

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Speaker 5: definitely call your private health insurance if you want to

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Speaker 5: talk to them about that or what that will cost.

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Speaker 5: And there's lots of different companies that charge different prices

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Speaker 5: for that, but for us, it was eight hundred and

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Speaker 5: fifty dollars.

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Speaker 4: And that's like to show you if there's any diseases

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Speaker 4: in your family or yeah.

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Speaker 5: Or like genetic conditions that we need to be aware of.

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Speaker 5: One of the things that they test for, which is

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Speaker 5: obviously debilitating if you have it, is cystic fibrosis, and

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Speaker 5: it tells you, you know, if you carry that gene,

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Speaker 5: if I carry that gene, because it's actually recessive, which means,

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Speaker 5: you know, if one of your parents had that gene,

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Speaker 5: they pass it on to you.

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Speaker 1: Wambam, thank you, ma'am.

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Speaker 5: You fine, But if both of us carried that, there

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Speaker 5: is a probability that our baby might be impacted by that.

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Speaker 5: So I just wanted to know all of that, and

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Speaker 5: we were in the position to do so, so we

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Speaker 5: looked into it. Where you started prenatals. Obviously I'm not

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Speaker 5: a doctor, but my doctor recommended that I started prenatals

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Speaker 5: at least twelve months before trying, if possible, because obviously

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Speaker 5: then all the vitamins and minerals and stuff that are

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Speaker 5: coming into your body can settle into your body and

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Speaker 5: you can get your levels up because pregnancy does take

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Speaker 5: a lot out of you. But it's things like iron

377
00:18:29,800 --> 00:18:33,080
Speaker 5: and folate fold Eate's really important for pregnant women, and

378
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Speaker 5: it's full of stuff that just makes sure that the

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Speaker 5: baby you make is a really good quality baby sure,

380
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Speaker 5: which was important to me. So we started that early.

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Speaker 5: And then obviously you've got pregnancy tests and ovulation tests

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Speaker 5: if you're you know, going to track while you're trying,

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Speaker 5: which we did, and that ultimately cost us I would

384
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Speaker 5: say a couple of one hundred dollars in pregnancy tests

385
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Speaker 5: and ovulation tests. Ovulation tests were so expensive, fac it's

386
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Speaker 5: like sixty bucks a bof.

387
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Speaker 4: How do you test that. You'd buy it like from

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Speaker 4: the chemist or something.

389
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Speaker 5: Just buy it at the chemist and you basically pee

390
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Speaker 5: on a stick and it tells you when you're going

391
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Speaker 5: to ovulate, and that's when you should be trying.

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Speaker 1: To do some baby making.

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Speaker 4: Oh okay, I don't know that existed. That's yeah, that's.

394
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Speaker 5: Critic cool once you get into it, like the science

395
00:19:14,920 --> 00:19:17,240
Speaker 5: of it is really fun. But it did bring a

396
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Speaker 5: lot of anxiety for me as well, Oh my gosh,

397
00:19:19,960 --> 00:19:22,600
Speaker 5: we only have this period to try, and then if

398
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Speaker 5: it didn't work, it was like heartbreaking because I was like,

399
00:19:24,960 --> 00:19:27,919
Speaker 5: I did everything right. Like so it can be a

400
00:19:28,080 --> 00:19:32,439
Speaker 5: very nuanced process, but I guess during pregnancy there's you know,

401
00:19:32,560 --> 00:19:36,200
Speaker 5: those costs to get pregnant, and then once you are pregnant,

402
00:19:36,240 --> 00:19:40,119
Speaker 5: you've got ultrasounds. So in the public system they are included.

403
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Speaker 5: In the private system, they typically cost between two hundred

404
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Speaker 5: and fifty and three hundred and seventy five dollars. One

405
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Speaker 5: of my last ultrasounds, it cost me four hundred and

406
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Speaker 5: twenty dollars. I think I'd think seventy dollars was covered

407
00:19:53,960 --> 00:19:56,720
Speaker 5: by Medicare and private health insurance didn't cover the rest.

408
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Speaker 5: And I remember being a little bit salty about that one.

409
00:20:00,000 --> 00:20:02,359
Speaker 5: It was like a very stupid question, but not a

410
00:20:02,400 --> 00:20:05,639
Speaker 5: stupid question. You've never been pregnant, so I'm assuming that

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Speaker 5: you haven't gone through the process.

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Speaker 4: Why would you know the reason for the ultrasound being

413
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Speaker 4: more toward the end is that because there's more land

414
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Speaker 4: to cover.

415
00:20:14,960 --> 00:20:17,359
Speaker 5: No, I think it was more comprehensive. So it was

416
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Speaker 5: like the time that the doctor had to spend with

417
00:20:20,080 --> 00:20:23,120
Speaker 5: me because I had some complications in my pregnancy, which

418
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Speaker 5: meant I was getting more ultrasounds than the average bear.

419
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Speaker 5: And then one of the last ones, honestly, she was

420
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Speaker 5: in there for like an hour and a half in

421
00:20:30,440 --> 00:20:33,520
Speaker 5: comparison to like the Quick Have they got ten fingers

422
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Speaker 5: and ten toes and all of their stuff works. Yep, great,

423
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Speaker 5: no worries, wampam, thank you man. Sure it was a

424
00:20:38,480 --> 00:20:41,120
Speaker 5: bit more comprehensive, but still four hunder and twenty bucks

425
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Speaker 5: for an ultrasound wasn't on my budget. And then you've

426
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Speaker 5: got other things. So we did private birth in classes

427
00:20:46,720 --> 00:20:48,520
Speaker 5: and we did a few different things. But I spent

428
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Speaker 5: about five hundred dollars in total for Steve and I

429
00:20:51,760 --> 00:20:54,879
Speaker 5: to attend different classes to make sure we were ready

430
00:20:54,880 --> 00:20:57,359
Speaker 5: for birth and I was ready for breastfeeding, and I

431
00:20:57,480 --> 00:21:00,399
Speaker 5: bought an online course that really helped as well. So

432
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Speaker 5: those are things that are obviously nice to have because

433
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Speaker 5: you could do your own research and you definitely don't

434
00:21:06,720 --> 00:21:09,480
Speaker 5: need to attend one, or you could attend one through

435
00:21:09,480 --> 00:21:13,200
Speaker 5: your hospital, which would be free. But I did that externally.

436
00:21:13,840 --> 00:21:16,760
Speaker 5: And then up until about twenty weeks, I was trying

437
00:21:16,800 --> 00:21:20,720
Speaker 5: to go to pilates, so I had purchased pilates classes

438
00:21:20,760 --> 00:21:23,040
Speaker 5: and I bought one of those big packs that means

439
00:21:23,080 --> 00:21:25,520
Speaker 5: that each class I think was down to like twenty

440
00:21:25,560 --> 00:21:28,680
Speaker 5: two dollars a class or something. Oh, completely wasted because

441
00:21:28,680 --> 00:21:30,600
Speaker 5: I was so sick that I couldn't go, but I

442
00:21:30,720 --> 00:21:33,000
Speaker 5: bought the pack because I was so excited about being

443
00:21:33,040 --> 00:21:35,240
Speaker 5: able to do it, So that was a waste of money.

444
00:21:35,680 --> 00:21:38,439
Speaker 5: Then I was doing things like acupuncture, so for me,

445
00:21:38,560 --> 00:21:41,280
Speaker 5: acupuncture was one hundred and ten dollars a session and

446
00:21:41,320 --> 00:21:44,920
Speaker 5: I got eighty dollars back, so that was a nice

447
00:21:44,920 --> 00:21:49,359
Speaker 5: thing to have. And then don't forget wardrobe editions of course,

448
00:21:49,440 --> 00:21:53,320
Speaker 5: so there's a UK study that found that the average

449
00:21:53,760 --> 00:21:57,040
Speaker 5: person who is pregnant spends about twelve hundred.

450
00:21:56,800 --> 00:21:59,240
Speaker 1: Dollars on maternity ware during their pregnancy.

451
00:21:59,400 --> 00:21:59,879
Speaker 4: That's hectic.

452
00:22:00,080 --> 00:22:03,120
Speaker 5: I did not do that. I thankfully had a wardrobe

453
00:22:03,160 --> 00:22:05,000
Speaker 5: that had a lot of stretchy things. By the end

454
00:22:05,000 --> 00:22:07,320
Speaker 5: of my pregnancy, I was wearing my husband's shirts. I

455
00:22:07,480 --> 00:22:10,639
Speaker 5: was wearing active wear. I was wearing you know, my

456
00:22:10,720 --> 00:22:12,640
Speaker 5: husband's t shirts and stuff to bed.

457
00:22:12,840 --> 00:22:14,119
Speaker 1: I didn't spend a lot.

458
00:22:14,320 --> 00:22:17,840
Speaker 5: I would say I spent maybe three hundred dollars on

459
00:22:18,359 --> 00:22:21,120
Speaker 5: quote maternity wear. None of it was actual maternity where

460
00:22:21,119 --> 00:22:23,119
Speaker 5: though it was like a bigger pair of pants, or

461
00:22:23,160 --> 00:22:25,440
Speaker 5: I bought you know, a couple of stretchy dresses.

462
00:22:25,680 --> 00:22:27,760
Speaker 1: Sure, that was basically it.

463
00:22:27,840 --> 00:22:30,760
Speaker 5: But I did definitely dress my own wardrobe and orrowed

464
00:22:30,760 --> 00:22:32,600
Speaker 5: my husband's while I was pregnant, because.

465
00:22:32,480 --> 00:22:34,960
Speaker 1: Good maternity stuff just wasn't cute.

466
00:22:35,119 --> 00:22:37,240
Speaker 4: No, I'm all sorts of money win. You know what

467
00:22:37,240 --> 00:22:40,320
Speaker 4: you could do. You could cut the corners of your

468
00:22:40,400 --> 00:22:43,239
Speaker 4: singlet get those little volco A dots from Bunnings, and

469
00:22:43,280 --> 00:22:44,280
Speaker 4: that's a maternity top.

470
00:22:44,560 --> 00:22:46,919
Speaker 5: I just have been pulling my top up to be honest,

471
00:22:47,320 --> 00:22:50,680
Speaker 5: that's good idea. Yeah, see this jumper maternity top.

472
00:22:50,680 --> 00:22:52,080
Speaker 1: If you're willing to pull your top up.

473
00:22:52,280 --> 00:22:53,840
Speaker 4: Yes, now that's a broke tip.

474
00:22:53,920 --> 00:22:55,080
Speaker 1: I'm actually a genius.

475
00:22:55,240 --> 00:22:56,040
Speaker 4: That's really clever.

476
00:22:56,200 --> 00:22:58,840
Speaker 5: Thank you for coming to Victoria's pregnancy class.

477
00:23:00,240 --> 00:23:03,080
Speaker 4: So while we're on the topic, how about public versus

478
00:23:03,280 --> 00:23:04,760
Speaker 4: private hospital costs?

479
00:23:04,840 --> 00:23:08,200
Speaker 5: Yeah, so we went through my public versus private health costs.

480
00:23:08,480 --> 00:23:13,240
Speaker 5: But almost all births in Australia happen in the public system.

481
00:23:13,520 --> 00:23:17,200
Speaker 5: Ninety seven percent of births in Australia in twenty twenty

482
00:23:17,240 --> 00:23:21,200
Speaker 5: three were born in a hospital in conventional labor wards.

483
00:23:21,600 --> 00:23:25,360
Speaker 5: So that has changed over the years. Like historically that

484
00:23:25,560 --> 00:23:29,800
Speaker 5: wasn't the case. Birth is now quite medicalized.

485
00:23:30,000 --> 00:23:31,679
Speaker 1: I would say of.

486
00:23:31,600 --> 00:23:35,080
Speaker 5: Mothers who gave birth in hospital, three out of four,

487
00:23:35,200 --> 00:23:37,800
Speaker 5: so seventy five percent of people give birth in a

488
00:23:37,800 --> 00:23:38,720
Speaker 5: public hospital.

489
00:23:39,119 --> 00:23:41,080
Speaker 1: It is a brilliant system.

490
00:23:41,400 --> 00:23:44,040
Speaker 5: I am not saying that because I chose to give

491
00:23:44,080 --> 00:23:47,000
Speaker 5: birth in private that I think it's better. In fact,

492
00:23:47,080 --> 00:23:50,080
Speaker 5: a lot of people said to me, oh wow, Victoria,

493
00:23:50,160 --> 00:23:53,440
Speaker 5: like because of your high risk pregnancy, you would have

494
00:23:53,520 --> 00:23:57,000
Speaker 5: had an epic time in public. In fact, public are

495
00:23:57,119 --> 00:24:01,239
Speaker 5: better equipped to deal with emergency things that happen. And

496
00:24:01,480 --> 00:24:04,280
Speaker 5: I gave birth at a hospital here in Melbourne called

497
00:24:04,280 --> 00:24:07,440
Speaker 5: Francis Perry, which is the private hospital I was at.

498
00:24:07,800 --> 00:24:11,040
Speaker 5: And one of the reasons I chose that hospital was

499
00:24:11,080 --> 00:24:13,760
Speaker 5: because it is in the same building as the Royal

500
00:24:13,840 --> 00:24:18,880
Speaker 5: Women's Hospital, which is the best public hospital for women

501
00:24:18,920 --> 00:24:21,480
Speaker 5: to give birth in. So I'm not saying that one's

502
00:24:21,520 --> 00:24:25,040
Speaker 5: better than the other It's just different horses for different courses.

503
00:24:25,600 --> 00:24:28,840
Speaker 4: Okay, V this money chat is stressing me the heck

504
00:24:29,080 --> 00:24:31,440
Speaker 4: out that I imagine some listeners as well. So let's

505
00:24:31,440 --> 00:24:33,360
Speaker 4: go to a quick break. But on the flip side,

506
00:24:33,400 --> 00:24:35,720
Speaker 4: we're going to be chatting nursery and all the little

507
00:24:35,720 --> 00:24:38,760
Speaker 4: costs that come with that. Also, I'm thinking parental leave

508
00:24:38,800 --> 00:24:43,280
Speaker 4: and childcare is quite a hefty subject, and also i'm

509
00:24:43,320 --> 00:24:46,120
Speaker 4: assuming very costly. Should we make this a two part series?

510
00:24:46,160 --> 00:24:46,480
Speaker 6: Now?

511
00:24:46,560 --> 00:24:47,399
Speaker 4: I think we should.

512
00:24:47,480 --> 00:24:49,840
Speaker 5: Yeah, Okay, let's cut that out. I'm no longer going

513
00:24:49,880 --> 00:24:52,240
Speaker 5: to talk about parental leave and childcare because we've well

514
00:24:52,280 --> 00:24:54,720
Speaker 5: fled on too much and I feel like it's interesting.

515
00:24:54,800 --> 00:24:57,320
Speaker 5: So after the break, Beck, let's just do all of

516
00:24:57,320 --> 00:24:59,440
Speaker 5: the nursery costs. I'll tell you how much I would

517
00:24:59,480 --> 00:25:01,600
Speaker 5: be budgeting to set up a nursery. We'll talk about

518
00:25:01,640 --> 00:25:04,800
Speaker 5: the average nursery costs here in Australia, and then we'll

519
00:25:04,800 --> 00:25:07,840
Speaker 5: also talk about the you know, things that were completely unexpected.

520
00:25:08,119 --> 00:25:11,480
Speaker 5: Next baby episode we drop back, we'll talk about parental

521
00:25:11,520 --> 00:25:12,320
Speaker 5: even childcare.

522
00:25:12,440 --> 00:25:13,400
Speaker 4: Perfect. Sound like a deal.

523
00:25:13,400 --> 00:25:14,800
Speaker 1: All right, let's go to a break and we'll see

524
00:25:14,840 --> 00:25:15,480
Speaker 1: you on the flip side.

525
00:25:15,480 --> 00:25:22,159
Speaker 4: See soon. Welcome back everyone. Let's jump straight into nursery.

526
00:25:22,200 --> 00:25:24,920
Speaker 4: I wonder know how much you spent, and then we'll

527
00:25:24,960 --> 00:25:26,679
Speaker 4: talk about like the average costs.

528
00:25:26,760 --> 00:25:29,240
Speaker 5: Yeah, okay, you're hitting a little bit of a sore

529
00:25:29,320 --> 00:25:32,760
Speaker 5: spot at this point because we wanted to have the

530
00:25:32,800 --> 00:25:35,120
Speaker 5: nursery done, but then we didn't get the nursery done.

531
00:25:35,200 --> 00:25:37,320
Speaker 1: So it's full of all the stuff. But have we painted.

532
00:25:37,480 --> 00:25:37,560
Speaker 2: No.

533
00:25:37,800 --> 00:25:40,920
Speaker 5: We will be putting up wallpaper and we will hang

534
00:25:40,960 --> 00:25:43,080
Speaker 5: some stuff at some point, but not one thing has

535
00:25:43,119 --> 00:25:45,800
Speaker 5: been hung. That is fine. He has all the stuff

536
00:25:45,800 --> 00:25:48,280
Speaker 5: he needs totally. But we bought a chest of draws

537
00:25:48,359 --> 00:25:51,600
Speaker 5: that cost me about seven hundred and fifty dollars. Do

538
00:25:51,640 --> 00:25:54,000
Speaker 5: you need a seven hundred and fifty dollars chest of draws? No,

539
00:25:54,200 --> 00:25:56,679
Speaker 5: but I did. I bought a crib. A crib is

540
00:25:56,680 --> 00:25:59,480
Speaker 5: going to cost you anywhere between you know, two hundred

541
00:25:59,480 --> 00:26:03,160
Speaker 5: bucks aka all the way up to three thousand dollars,

542
00:26:03,160 --> 00:26:04,880
Speaker 5: which is what I spent because I got a really

543
00:26:04,880 --> 00:26:08,399
Speaker 5: boogie one. Again, this is a judgment free space, and

544
00:26:08,440 --> 00:26:11,040
Speaker 5: I'm only sharing this because I know you guys are pervy.

545
00:26:11,119 --> 00:26:14,040
Speaker 1: This isn't me bragging. I just know all of you

546
00:26:14,119 --> 00:26:14,560
Speaker 1: want to know.

547
00:26:14,920 --> 00:26:15,440
Speaker 4: Does it rock?

548
00:26:15,840 --> 00:26:19,359
Speaker 5: It actually does absolutely nothing like it is made off wood.

549
00:26:19,880 --> 00:26:22,399
Speaker 5: Like it's the most disappointing thing in the entire world.

550
00:26:22,640 --> 00:26:25,640
Speaker 5: We bought a nursing chair that was about twelve hundred dollars. Sure,

551
00:26:25,960 --> 00:26:29,320
Speaker 5: I also was gifted a nursing chair that we have

552
00:26:29,520 --> 00:26:32,159
Speaker 5: as well, so I have too, just for full transparency.

553
00:26:32,400 --> 00:26:34,840
Speaker 5: And I was gifted the one I really really wanted,

554
00:26:34,840 --> 00:26:37,080
Speaker 5: but it was more expensive, so I bought.

555
00:26:36,840 --> 00:26:37,360
Speaker 4: The other one.

556
00:26:37,520 --> 00:26:40,680
Speaker 5: So I feel really boogie having that, but just full transparency.

557
00:26:40,720 --> 00:26:44,680
Speaker 5: We were gifted that I did buy the snow. I

558
00:26:44,720 --> 00:26:47,280
Speaker 5: was gonna yosk about this snea the snow. The snow

559
00:26:47,440 --> 00:26:51,200
Speaker 5: is about eighteen hundred dollars. I bought that from the memo.

560
00:26:51,359 --> 00:26:53,760
Speaker 5: Do not regret that for one second.

561
00:26:53,920 --> 00:26:54,919
Speaker 4: Okay, what does it do with it?

562
00:26:54,960 --> 00:26:57,560
Speaker 1: I can't remember a baby and it rocks him back

563
00:26:57,600 --> 00:26:59,600
Speaker 1: to sleep and it has like this app with it,

564
00:26:59,720 --> 00:27:03,120
Speaker 1: so when your baby is a bit fussy, because sometimes babies,

565
00:27:03,359 --> 00:27:04,920
Speaker 1: you know, they get a bit fussy in their sleep,

566
00:27:04,960 --> 00:27:06,880
Speaker 1: but if you rock them, they just fall back asleep.

567
00:27:06,880 --> 00:27:09,159
Speaker 1: But they need that attention. Does it for me?

568
00:27:09,800 --> 00:27:11,840
Speaker 4: I want an adult snoo mate.

569
00:27:12,000 --> 00:27:13,840
Speaker 5: The snow is the best thing I've ever done, and

570
00:27:14,240 --> 00:27:16,520
Speaker 5: there's a lot of controversy around it, Like lots of

571
00:27:16,560 --> 00:27:19,639
Speaker 5: people are like, oh, snow, that's a ridiculous cost. You

572
00:27:19,680 --> 00:27:22,480
Speaker 5: know what, I would spend eighteen hundred dollars again for

573
00:27:22,560 --> 00:27:25,840
Speaker 5: good sleep. Yeah, one hundred percent. Anyway, so we have

574
00:27:25,960 --> 00:27:28,760
Speaker 5: the snow. We purchased a pram. My pram was about

575
00:27:28,800 --> 00:27:32,080
Speaker 5: two thousand dollars. That's pretty standard for a brand new

576
00:27:32,160 --> 00:27:33,280
Speaker 5: pram of that amount.

577
00:27:33,359 --> 00:27:35,800
Speaker 1: Do you have to spend that? No, you absolutely do not.

578
00:27:36,040 --> 00:27:38,280
Speaker 5: You could go and get a very good one for

579
00:27:38,400 --> 00:27:41,920
Speaker 5: a much lower price point total. I again made a

580
00:27:41,960 --> 00:27:43,840
Speaker 5: lot of bougie purchases, sure, and.

581
00:27:43,760 --> 00:27:45,119
Speaker 1: That's all I can think of off the top of

582
00:27:45,119 --> 00:27:48,440
Speaker 1: my pulse. Would be included baby seat. Yep.

583
00:27:48,480 --> 00:27:51,879
Speaker 5: So we purchased a capsule, a capsule we're going to

584
00:27:51,920 --> 00:27:54,320
Speaker 5: have to replace at some point because you can only

585
00:27:54,400 --> 00:27:58,280
Speaker 5: use this capsule up until he is about twelve months

586
00:27:58,280 --> 00:28:00,920
Speaker 5: old or he hits the weight strictions on it.

587
00:28:01,240 --> 00:28:03,679
Speaker 1: And our capsule cost us about eight hundred dollars.

588
00:28:03,760 --> 00:28:04,080
Speaker 4: Okay.

589
00:28:04,119 --> 00:28:06,560
Speaker 5: I did buy the capsule that clicks into my pram though,

590
00:28:06,560 --> 00:28:07,280
Speaker 5: and that makes.

591
00:28:07,119 --> 00:28:09,520
Speaker 4: Me very happy, very convenient. Did you have to pay

592
00:28:09,520 --> 00:28:11,480
Speaker 4: someone to professionally install it?

593
00:28:11,560 --> 00:28:12,160
Speaker 1: We didn't.

594
00:28:12,280 --> 00:28:14,840
Speaker 5: We used a YouTube video and did it ourselves, and

595
00:28:14,960 --> 00:28:17,520
Speaker 5: the capsule came with really comprehensive instructions.

596
00:28:17,560 --> 00:28:17,879
Speaker 4: Great.

597
00:28:18,200 --> 00:28:19,320
Speaker 1: We wanted to like do it.

598
00:28:19,280 --> 00:28:22,400
Speaker 5: Ourselves, not because it's better to have it professionally installed,

599
00:28:22,400 --> 00:28:24,160
Speaker 5: but in our heads, we were going to like put

600
00:28:24,160 --> 00:28:26,199
Speaker 5: it in the car, you know, pull it out of

601
00:28:26,240 --> 00:28:28,239
Speaker 5: the car at some point, we were going to put

602
00:28:28,280 --> 00:28:30,040
Speaker 5: it in a different car. We were going to pull

603
00:28:30,040 --> 00:28:31,800
Speaker 5: it out, you know, put the seats in the car

604
00:28:31,920 --> 00:28:33,960
Speaker 5: down so that we can fit more stuff if we're

605
00:28:33,960 --> 00:28:36,240
Speaker 5: moving stuff around. And I was kind of like, we're

606
00:28:36,280 --> 00:28:37,800
Speaker 5: going to need to know how to do this properly

607
00:28:37,840 --> 00:28:39,280
Speaker 5: if we get it professionally installed.

608
00:28:39,480 --> 00:28:41,080
Speaker 1: Mate, I'm not going to let you pull it out again.

609
00:28:41,160 --> 00:28:42,400
Speaker 1: So we did it ourselves.

610
00:28:42,880 --> 00:28:46,440
Speaker 5: But we did get it all checked and it's fine, perfect, okay.

611
00:28:46,480 --> 00:28:49,080
Speaker 5: And what about like a regular sort of nursery, What

612
00:28:49,120 --> 00:28:54,960
Speaker 5: would someone on average expect to pay for their whole nursery? Yeah,

613
00:28:55,000 --> 00:28:57,800
Speaker 5: so on average, if we add it all up and

614
00:28:57,840 --> 00:29:00,520
Speaker 5: it doesn't include being gifted anything or try to save

615
00:29:00,560 --> 00:29:04,600
Speaker 5: any money or buying things secondhand, which I absolutely can recommend. Actually,

616
00:29:04,840 --> 00:29:07,720
Speaker 5: Loki shout out to a brand. There's a brand called

617
00:29:07,800 --> 00:29:11,600
Speaker 5: baby Bey on and we got a baby beyond bouncer

618
00:29:11,880 --> 00:29:14,400
Speaker 5: and they are quite expensive, like they're three hundred and

619
00:29:14,400 --> 00:29:16,760
Speaker 5: fifty ish dollars for a baby bouncer, all right, so

620
00:29:17,000 --> 00:29:20,880
Speaker 5: not cheap, sure, but apparently they're like baby crack. Babies

621
00:29:20,920 --> 00:29:23,720
Speaker 5: love them. Harvey obsessed with his You put him in it,

622
00:29:23,840 --> 00:29:27,600
Speaker 5: and he is just very content. This baby bouncer means

623
00:29:27,600 --> 00:29:29,440
Speaker 5: that I put him in the baby bouncer. I go,

624
00:29:29,640 --> 00:29:32,600
Speaker 5: you okay, mate. He looks at me kind of like daft.

625
00:29:32,640 --> 00:29:34,440
Speaker 5: I don't know what's going on in his brain, but

626
00:29:34,720 --> 00:29:36,160
Speaker 5: he looks at me and he's like, yeah, mom, I'm

627
00:29:36,200 --> 00:29:38,520
Speaker 5: fine and I can have a shower while watching him.

628
00:29:38,640 --> 00:29:39,560
Speaker 4: Yeah, el eat.

629
00:29:40,120 --> 00:29:42,880
Speaker 5: So anyway, this baby bouncer is to me one of

630
00:29:42,880 --> 00:29:45,920
Speaker 5: my favorite purchases. But the other day they posted on

631
00:29:46,240 --> 00:29:49,440
Speaker 5: their Instagram feed how to buy one of their bouncer's

632
00:29:49,480 --> 00:29:52,520
Speaker 5: secondhand to look forward to make sure that it's safe

633
00:29:52,520 --> 00:29:54,800
Speaker 5: and secure, and they did the same thing for like

634
00:29:54,840 --> 00:29:56,440
Speaker 5: their cots and stuff. They're like, well, if you're going

635
00:29:56,480 --> 00:29:59,240
Speaker 5: to buy them secondhand, please make sure this works. This works,

636
00:29:59,280 --> 00:30:02,120
Speaker 5: the safety on this is fine. Otherwise go forth and

637
00:30:02,320 --> 00:30:05,120
Speaker 5: you know, prosper by our stuff secondhand. That's a company

638
00:30:05,160 --> 00:30:10,680
Speaker 5: that maybe more, and like, honestly, baby stuff gets used

639
00:30:10,720 --> 00:30:13,320
Speaker 5: for such a short period of time that I have

640
00:30:13,440 --> 00:30:16,000
Speaker 5: bought a lot of my baby stuff just on Facebook,

641
00:30:16,040 --> 00:30:18,680
Speaker 5: Marketplace or eBay because I'm like, well, it's.

642
00:30:18,480 --> 00:30:21,040
Speaker 1: Been used for less than three months. Why would I

643
00:30:21,160 --> 00:30:22,280
Speaker 1: pay full price?

644
00:30:22,680 --> 00:30:22,920
Speaker 3: To me?

645
00:30:23,000 --> 00:30:27,440
Speaker 5: That was insanity. So a cot costs about one thousand

646
00:30:27,440 --> 00:30:30,680
Speaker 5: dollars according to research, a cop mattress is going to

647
00:30:30,720 --> 00:30:33,480
Speaker 5: cost you anywhere between one hundred and three hundred dollars.

648
00:30:33,560 --> 00:30:35,120
Speaker 5: How much have you spend unless you talk, I spent

649
00:30:35,160 --> 00:30:37,520
Speaker 5: about two hundred and fifty dollars on a cop mattress.

650
00:30:37,560 --> 00:30:39,440
Speaker 1: Okay, little baby.

651
00:30:39,200 --> 00:30:41,960
Speaker 5: Clothing, you're going to spend about four hundred dollars, you know,

652
00:30:42,120 --> 00:30:45,200
Speaker 5: just getting all the basics together. Honest to god, when

653
00:30:45,240 --> 00:30:48,680
Speaker 5: people say don't buy too many newborn outfits, you think

654
00:30:48,680 --> 00:30:49,320
Speaker 5: they're crazy.

655
00:30:49,440 --> 00:30:49,760
Speaker 1: They're not.

656
00:30:49,880 --> 00:30:52,080
Speaker 5: They grow out of the midpoint two seconds. Harvey is

657
00:30:52,120 --> 00:30:54,040
Speaker 5: now two months old and in the zero to three

658
00:30:54,040 --> 00:30:57,120
Speaker 5: month stuff, and it makes me really sad. Car seat

659
00:30:57,240 --> 00:30:59,560
Speaker 5: is going to cost on average about six hundred dollars.

660
00:31:00,080 --> 00:31:03,480
Speaker 5: Will caveat this with some advice. You probably don't want

661
00:31:03,520 --> 00:31:06,720
Speaker 5: unsolicited advice, but this is safety advice. But The one

662
00:31:06,760 --> 00:31:11,520
Speaker 5: thing I would never purchase second hand is a car seat. Okay,

663
00:31:11,640 --> 00:31:15,000
Speaker 5: I recommend you buy absolutely everything you can secondhand, get

664
00:31:15,040 --> 00:31:17,600
Speaker 5: hand me downs, do all of that, but do not

665
00:31:17,760 --> 00:31:21,200
Speaker 5: buy a car seat secondhand because you cannot trust other

666
00:31:21,240 --> 00:31:24,800
Speaker 5: people to be completely transparent about whether that has been

667
00:31:24,840 --> 00:31:28,000
Speaker 5: in an accident or not. The second a baby seat

668
00:31:28,000 --> 00:31:30,479
Speaker 5: has been in an accident, it is no longer usable,

669
00:31:30,520 --> 00:31:33,479
Speaker 5: it is no longer safe, the safety mechanisms in it

670
00:31:33,520 --> 00:31:36,680
Speaker 5: are dead, and it will not protect your child. So

671
00:31:36,800 --> 00:31:40,560
Speaker 5: do not buy a car seat second hand. The only

672
00:31:40,640 --> 00:31:43,520
Speaker 5: caveat I would say is if your sister's gifting you

673
00:31:43,560 --> 00:31:45,640
Speaker 5: one and sit absolutely no, she hasn't been in a

674
00:31:45,680 --> 00:31:49,280
Speaker 5: crash and it's her capsule and whatnot. So like, obviously again,

675
00:31:49,400 --> 00:31:52,120
Speaker 5: grain of salt, use your brains. But that's the one

676
00:31:52,200 --> 00:31:55,440
Speaker 5: thing that I would never go on Facebook marketplace and

677
00:31:55,480 --> 00:31:58,440
Speaker 5: trust a stranger with. Yeah, like, the safety of your child,

678
00:31:58,480 --> 00:32:01,560
Speaker 5: I promise is worth the money. Change table. I didn't

679
00:32:01,560 --> 00:32:03,960
Speaker 5: purchase a change table. I just purchased a change matt

680
00:32:03,960 --> 00:32:05,720
Speaker 5: and popped it on top of the chest of drawers

681
00:32:05,760 --> 00:32:08,080
Speaker 5: because I felt like it's gonna have a bit more longevity.

682
00:32:08,120 --> 00:32:11,360
Speaker 5: Who could say in his room nappies and wipes.

683
00:32:12,240 --> 00:32:13,640
Speaker 4: Oh yeah, big one.

684
00:32:13,600 --> 00:32:17,760
Speaker 5: Holy snapping ducks. Do you know how many nappies my

685
00:32:17,800 --> 00:32:18,960
Speaker 5: baby used a day?

686
00:32:19,560 --> 00:32:20,520
Speaker 4: How many from birth?

687
00:32:21,040 --> 00:32:22,800
Speaker 5: No, you have to guess, just a day. We're not

688
00:32:22,840 --> 00:32:25,440
Speaker 5: even talking a week. How many a day is he using?

689
00:32:25,720 --> 00:32:29,520
Speaker 4: I'm thinking for a day five eleven.

690
00:32:31,640 --> 00:32:34,280
Speaker 5: Baby's got to go between eight and eleven times a

691
00:32:34,360 --> 00:32:38,200
Speaker 5: day we change here. Snappy babies use upwards of three

692
00:32:38,480 --> 00:32:42,880
Speaker 5: thousand nappies per year. That's going to cost you about

693
00:32:43,000 --> 00:32:47,560
Speaker 5: five hundred dollars a quarter. Okay, I bought nappies in

694
00:32:47,680 --> 00:32:50,960
Speaker 5: bulk and I regret that, so I thought I was

695
00:32:51,000 --> 00:32:53,320
Speaker 5: real savvy beck and I bought a whole heap of nappies.

696
00:32:53,400 --> 00:32:55,760
Speaker 5: I ended up getting like a discount online because I

697
00:32:55,800 --> 00:32:58,360
Speaker 5: did this, you know, bulk order. Yeah, and he's already

698
00:32:58,360 --> 00:33:01,360
Speaker 5: grown up to the next tri you born. Nappies are

699
00:33:01,360 --> 00:33:05,160
Speaker 5: completely useless, but I have donated them to the Nappy Society,

700
00:33:05,440 --> 00:33:08,040
Speaker 5: which is very very cool. So if you haven't heard

701
00:33:08,080 --> 00:33:11,760
Speaker 5: of the Nappy Society, the Nappy Society take donations of

702
00:33:11,840 --> 00:33:13,960
Speaker 5: nappies and then distribute.

703
00:33:13,360 --> 00:33:15,040
Speaker 1: Them to mums who need them. Oh and I think

704
00:33:15,080 --> 00:33:16,200
Speaker 1: that that is so beautiful.

705
00:33:16,240 --> 00:33:17,800
Speaker 5: And if you've got a whole heap of nappies that

706
00:33:17,800 --> 00:33:20,840
Speaker 5: are the wrong size, they start to degrade. Don't keep

707
00:33:20,880 --> 00:33:23,040
Speaker 5: them in the cupboard for your next child. They're not

708
00:33:23,080 --> 00:33:25,960
Speaker 5: going to work. Donate them so somebody can use them.

709
00:33:26,360 --> 00:33:28,160
Speaker 4: That's really really sweet. I really like that.

710
00:33:28,680 --> 00:33:31,160
Speaker 5: You're probably going to purchase some toys as well. Yes,

711
00:33:31,280 --> 00:33:34,520
Speaker 5: I haven't purchased any toys yet. We've been gifted a few,

712
00:33:34,680 --> 00:33:37,200
Speaker 5: but he is still a newborn and doesn't interact with

713
00:33:37,400 --> 00:33:41,400
Speaker 5: anything yet. You might want to purchase a highchairback that

714
00:33:41,520 --> 00:33:44,120
Speaker 5: will cost you about three hundred and fifty dollars. A

715
00:33:44,160 --> 00:33:47,320
Speaker 5: baby carrier that could cost you anywhere from fifty to

716
00:33:47,440 --> 00:33:51,200
Speaker 5: three hundred dollars for any type of baby carrier.

717
00:33:51,600 --> 00:33:52,080
Speaker 1: Bibbs.

718
00:33:52,400 --> 00:33:53,280
Speaker 4: Forgot about the bibs.

719
00:33:53,320 --> 00:33:54,560
Speaker 1: Lots of mums don't use them.

720
00:33:54,680 --> 00:33:58,120
Speaker 5: I do because after he has had a feed, he

721
00:33:58,240 --> 00:34:00,600
Speaker 5: usually spits up, and I don't really want to his outfit,

722
00:34:00,720 --> 00:34:03,040
Speaker 5: so I'm finding I'm not changing his outfit as often

723
00:34:03,120 --> 00:34:04,000
Speaker 5: because of the bibs.

724
00:34:04,040 --> 00:34:05,000
Speaker 1: That's a good investment.

725
00:34:05,720 --> 00:34:08,759
Speaker 5: Something that was a brilliant investment for me was a

726
00:34:08,760 --> 00:34:09,360
Speaker 5: breast pump.

727
00:34:09,600 --> 00:34:10,759
Speaker 4: Okay, how much is that?

728
00:34:10,960 --> 00:34:15,040
Speaker 5: Usually between three hundred and five hundred dollars. Mine was

729
00:34:15,080 --> 00:34:16,840
Speaker 5: four hundred and eighty dollars, four.

730
00:34:16,760 --> 00:34:17,360
Speaker 4: Hundred and eighty O.

731
00:34:17,520 --> 00:34:20,839
Speaker 5: Yeah, and I went for the big dog one because

732
00:34:20,880 --> 00:34:23,040
Speaker 5: I wanted it to be hospital grade and strong enough

733
00:34:23,040 --> 00:34:25,160
Speaker 5: and all of that stuff. And I don't regret that.

734
00:34:25,400 --> 00:34:28,560
Speaker 5: But you can also buy secondhand pumps. And you might

735
00:34:28,600 --> 00:34:30,759
Speaker 5: think of hey, that's a bit weird, but what you

736
00:34:30,800 --> 00:34:33,280
Speaker 5: do is you buy the pump, which is actually the mechanism,

737
00:34:33,280 --> 00:34:35,279
Speaker 5: and then buy all brand new stuff that you know,

738
00:34:35,520 --> 00:34:38,760
Speaker 5: touches your boobs, the flangers, you know, the bottles and stuff.

739
00:34:38,840 --> 00:34:41,400
Speaker 5: So the pump actually doesn't ever touch milk.

740
00:34:41,719 --> 00:34:42,560
Speaker 1: It's just a camp.

741
00:34:42,840 --> 00:34:45,200
Speaker 5: But you can buy new cords, new flangers, new like

742
00:34:45,280 --> 00:34:48,080
Speaker 5: bottles and stuff, and that would be a really efficient

743
00:34:48,120 --> 00:34:51,600
Speaker 5: way of doing it. And Spectra, which is the brand

744
00:34:51,640 --> 00:34:53,759
Speaker 5: of the pump that I have posted the other day

745
00:34:53,760 --> 00:34:56,280
Speaker 5: about what to look for when you're buying a secondhand pump.

746
00:34:56,360 --> 00:34:56,880
Speaker 1: I love that.

747
00:34:56,920 --> 00:34:57,200
Speaker 4: People.

748
00:34:57,360 --> 00:35:00,719
Speaker 5: I literally like, isn't that cool that the brand like, hey,

749
00:35:01,800 --> 00:35:04,239
Speaker 5: we know that not everybody can afford to purchase our

750
00:35:04,280 --> 00:35:06,799
Speaker 5: product brand new. You know, the product is a good

751
00:35:06,880 --> 00:35:09,480
Speaker 5: quality product, so we can't really afford to bring down prices.

752
00:35:09,520 --> 00:35:12,160
Speaker 5: But buying a secondhand one could work. This is how

753
00:35:12,200 --> 00:35:12,719
Speaker 5: you should do it.

754
00:35:12,800 --> 00:35:13,640
Speaker 4: Yeah, I really like that.

755
00:35:13,760 --> 00:35:16,239
Speaker 1: I'm obsessed. I just think it's so responsible.

756
00:35:16,400 --> 00:35:18,800
Speaker 4: Yeah. So you were saying at the start of the

757
00:35:18,800 --> 00:35:22,800
Speaker 4: episode that you are also doing kind of like formula situation.

758
00:35:23,040 --> 00:35:24,080
Speaker 4: Are you doing both or you.

759
00:35:24,160 --> 00:35:25,240
Speaker 1: Yeah, we're doing both.

760
00:35:25,320 --> 00:35:28,640
Speaker 5: I had really low milk supply and needed to That's

761
00:35:28,640 --> 00:35:31,120
Speaker 5: something that I'm also spending money on. Yeah, I saw

762
00:35:31,160 --> 00:35:34,440
Speaker 5: a lactation consultant that costs two hundred and fifty dollars.

763
00:35:34,960 --> 00:35:38,040
Speaker 5: I then had to go to a specialist doctor. Because

764
00:35:38,400 --> 00:35:41,160
Speaker 5: this is controversial. Again, I am not asking for opinions.

765
00:35:41,200 --> 00:35:44,840
Speaker 5: I'm just sharing my experience here. Harvey had a tongue tie,

766
00:35:44,880 --> 00:35:47,640
Speaker 5: which is the little membrane under your tongue, and it

767
00:35:47,680 --> 00:35:50,800
Speaker 5: was too tight and it was stopping him from feeding properly,

768
00:35:51,040 --> 00:35:53,479
Speaker 5: and we made the decision to have that cut. Okay,

769
00:35:53,560 --> 00:35:56,560
Speaker 5: so he had that surgery, which was honestly not even

770
00:35:56,560 --> 00:35:58,200
Speaker 5: a surgery. It was just a little snip and he

771
00:35:58,239 --> 00:36:00,360
Speaker 5: didn't even cry. And I was really shocked by that

772
00:36:00,400 --> 00:36:02,520
Speaker 5: because I was prepping for the worst. I cried way

773
00:36:02,520 --> 00:36:06,000
Speaker 5: more than he did, and that has helped significantly. I'm

774
00:36:06,040 --> 00:36:09,480
Speaker 5: now all medication to increase my milk supply and we're

775
00:36:09,480 --> 00:36:13,960
Speaker 5: trying to get there. But formula costs US thirty six

776
00:36:14,040 --> 00:36:14,719
Speaker 5: dollars a tin.

777
00:36:15,160 --> 00:36:17,960
Speaker 4: Okay, thirty six bucks a tin. How long does that last? Usually?

778
00:36:18,120 --> 00:36:20,439
Speaker 5: For now, because he's a newborn and we're only using

779
00:36:20,480 --> 00:36:23,239
Speaker 5: it to top up, we're going through maybe one tin

780
00:36:23,320 --> 00:36:25,880
Speaker 5: every three weeks, but most babies will go through a

781
00:36:25,880 --> 00:36:26,560
Speaker 5: tin a week.

782
00:36:27,040 --> 00:36:29,080
Speaker 4: Ooh yeah, just add that's the list.

783
00:36:29,239 --> 00:36:32,560
Speaker 5: It's just so expensive, like thirty six bucks on formula,

784
00:36:33,080 --> 00:36:33,799
Speaker 5: Oh my lord.

785
00:36:33,880 --> 00:36:36,000
Speaker 4: Yeah, and what about like the vessel for the formula?

786
00:36:36,040 --> 00:36:36,800
Speaker 4: How much of bottles?

787
00:36:36,880 --> 00:36:38,080
Speaker 1: Bottles are expensive?

788
00:36:38,320 --> 00:36:41,600
Speaker 5: So bottles I didn't realize we're going to be an issue.

789
00:36:41,840 --> 00:36:45,000
Speaker 5: Turns out babies have preferences. Ah yeah, and they like

790
00:36:45,040 --> 00:36:46,160
Speaker 5: some and don't like others.

791
00:36:46,239 --> 00:36:46,760
Speaker 4: I see.

792
00:36:46,840 --> 00:36:48,719
Speaker 5: So one of the best tips I got at the

793
00:36:48,760 --> 00:36:51,120
Speaker 5: start was don't buy a heap of bottles. You know,

794
00:36:51,280 --> 00:36:53,560
Speaker 5: if you're buying a new one, it might sound good

795
00:36:53,600 --> 00:36:55,440
Speaker 5: to buy heap of bottles because then you've got heaps

796
00:36:55,440 --> 00:36:57,839
Speaker 5: of them. Buy one, test it with your baby, make

797
00:36:57,880 --> 00:36:59,799
Speaker 5: sure they're okay with it, Clean it a couple of

798
00:36:59,800 --> 00:37:03,000
Speaker 5: time in between feeds, test it for a day or two,

799
00:37:03,320 --> 00:37:05,080
Speaker 5: and then if they like that one go on by

800
00:37:05,120 --> 00:37:07,680
Speaker 5: a few of them. Don't buy all your bottles at once.

801
00:37:08,080 --> 00:37:12,320
Speaker 5: Because this woman went and bought six bottles and thought, great,

802
00:37:12,360 --> 00:37:15,680
Speaker 5: these are the most recommended on the market. He hated them.

803
00:37:16,000 --> 00:37:18,479
Speaker 5: I see, yeah, and so you can't return them they've

804
00:37:18,480 --> 00:37:21,840
Speaker 5: been used. So I have six bottles that he doesn't like,

805
00:37:21,880 --> 00:37:23,799
Speaker 5: and I had to go and purchase six months he.

806
00:37:23,760 --> 00:37:26,239
Speaker 4: Did, okay, and you just need that many just in.

807
00:37:26,200 --> 00:37:28,640
Speaker 5: Case, Yeah, just in case. But a bottle can cost

808
00:37:28,719 --> 00:37:32,719
Speaker 5: anywhere between ten and forty dollars each.

809
00:37:33,160 --> 00:37:35,759
Speaker 4: Ah, I see okay, So just like top of my

810
00:37:35,840 --> 00:37:39,000
Speaker 4: head and also being kind of calculating as you're going,

811
00:37:39,280 --> 00:37:41,160
Speaker 4: total is roughly like six thousand.

812
00:37:41,400 --> 00:37:45,359
Speaker 5: Yet about six grand out of pocket to set up

813
00:37:45,440 --> 00:37:48,200
Speaker 5: for all the costs associated with a baby. So if

814
00:37:48,239 --> 00:37:51,319
Speaker 5: I was putting a budget together, i'd probably budget about

815
00:37:51,320 --> 00:37:54,160
Speaker 5: six thousand dollars for a nursery, sure, and then I

816
00:37:54,200 --> 00:37:56,600
Speaker 5: would cut things down from there, like have you got

817
00:37:56,600 --> 00:37:58,319
Speaker 5: a friend that has a cot that you could either

818
00:37:58,360 --> 00:38:00,840
Speaker 5: purchase from them or have a hand me down and

819
00:38:00,880 --> 00:38:04,400
Speaker 5: be gifted? Like can you find things on Facebook marketplace?

820
00:38:04,600 --> 00:38:08,759
Speaker 5: Facebook marketplace is so fantastic, And to be honest, I

821
00:38:08,760 --> 00:38:11,239
Speaker 5: feel like it's the good side of Facebook Marketplace, because

822
00:38:11,239 --> 00:38:13,080
Speaker 5: you know how Facebook Marketplace can just be a bit

823
00:38:13,080 --> 00:38:16,200
Speaker 5: of a nightmare, Like people can be weird. Like I

824
00:38:16,200 --> 00:38:18,360
Speaker 5: have met so many nice mums. When I've gone to

825
00:38:18,360 --> 00:38:20,719
Speaker 5: pick up things, They're like, oh my gosh, how far

826
00:38:20,760 --> 00:38:22,200
Speaker 5: along are you? And I'll be like, oh, I'm thirty

827
00:38:22,200 --> 00:38:23,640
Speaker 5: five weeks and they're like, oh my god, I love this.

828
00:38:23,800 --> 00:38:26,760
Speaker 5: Actually you're buying this, but I have a few xyz

829
00:38:26,840 --> 00:38:28,840
Speaker 5: and they like, we'll s they be like, oh, I

830
00:38:28,960 --> 00:38:29,560
Speaker 5: just want you to have it.

831
00:38:29,600 --> 00:38:30,520
Speaker 1: I don't use it anymore.

832
00:38:30,560 --> 00:38:33,440
Speaker 5: And they've just been so sweet and like, I will

833
00:38:33,520 --> 00:38:35,560
Speaker 5: be doing the same thing and just selling my stuff

834
00:38:35,560 --> 00:38:38,719
Speaker 5: on Facebook Marketplace when I'm done with it, especially things

835
00:38:38,760 --> 00:38:41,000
Speaker 5: that I go, oh, that worked for us, but you know,

836
00:38:41,160 --> 00:38:43,640
Speaker 5: probably won't use it for the next baby, et cetera.

837
00:38:44,040 --> 00:38:46,680
Speaker 5: But yes, I would probably be looking at budgeting around

838
00:38:46,760 --> 00:38:49,480
Speaker 5: six thousand dollars if you're wanting to be savvy. But

839
00:38:49,600 --> 00:38:52,920
Speaker 5: a recent study found that the average family spend is

840
00:38:52,960 --> 00:38:56,680
Speaker 5: about seven nine hundred and eighteen dollars for setting up

841
00:38:56,680 --> 00:38:59,040
Speaker 5: for a new baby, and then about six hundred dollars

842
00:38:59,040 --> 00:38:59,839
Speaker 5: a month once they.

843
00:38:59,800 --> 00:39:02,440
Speaker 4: Are so v Those are all the structured costs things

844
00:39:02,480 --> 00:39:04,680
Speaker 4: that you maybe are expecting that you can put in

845
00:39:04,760 --> 00:39:07,560
Speaker 4: a spreadsheet, that you can put in a spreadsheet.

846
00:39:07,000 --> 00:39:08,480
Speaker 5: Like I gave you a list of things that you

847
00:39:08,560 --> 00:39:11,040
Speaker 5: would need to spend money on for your baby. Yes,

848
00:39:11,560 --> 00:39:12,960
Speaker 5: but there are lots of other costs.

849
00:39:13,360 --> 00:39:14,920
Speaker 4: Let's dive straight in, all right.

850
00:39:15,040 --> 00:39:17,239
Speaker 5: So there were so many additional costs, and I mean,

851
00:39:17,440 --> 00:39:19,560
Speaker 5: not everyone is going to have them, but I had,

852
00:39:20,000 --> 00:39:22,680
Speaker 5: let's say, a rocky pregnancy. I will be the first

853
00:39:22,719 --> 00:39:25,799
Speaker 5: to say pregnancy not for me. Will I do it again?

854
00:39:25,920 --> 00:39:28,359
Speaker 1: Probably, but not for me. Didn't enjoy it all?

855
00:39:28,440 --> 00:39:28,799
Speaker 4: That's fair.

856
00:39:28,880 --> 00:39:31,399
Speaker 5: Those women who were like I felt like my best

857
00:39:31,480 --> 00:39:36,000
Speaker 5: self pregnant, you win. I lose pregnancies, just not for me.

858
00:39:36,440 --> 00:39:38,440
Speaker 5: But in the grand scheme of things, a whole heap

859
00:39:38,480 --> 00:39:40,719
Speaker 5: of unexpected costs. I guess they're just part of the

860
00:39:40,760 --> 00:39:43,480
Speaker 5: baby journey, which is why you should budget more than

861
00:39:43,520 --> 00:39:46,440
Speaker 5: you're expecting. But here are a few things that I

862
00:39:46,600 --> 00:39:48,960
Speaker 5: spent money on that I don't think you would have

863
00:39:49,040 --> 00:39:52,160
Speaker 5: seen coming. Little did I know, beck I was gonna

864
00:39:52,239 --> 00:39:55,560
Speaker 5: become best friends with a bottle of gavescon cavas gone.

865
00:39:55,719 --> 00:39:58,880
Speaker 5: Gavescon costs eighteen dollars a bottle. I mean you can

866
00:39:59,000 --> 00:40:02,400
Speaker 5: get it on sale. Unluckily, I always just had to

867
00:40:02,480 --> 00:40:04,800
Speaker 5: buy it out of necessity. I wasn't waiting for it

868
00:40:04,880 --> 00:40:07,560
Speaker 5: to go on sale. Eighteen dollars a bottle.

869
00:40:07,640 --> 00:40:09,440
Speaker 4: I'm very privileged to not have known that.

870
00:40:09,719 --> 00:40:11,560
Speaker 1: That's really nice. Do you know how much I spent

871
00:40:11,640 --> 00:40:13,400
Speaker 1: on Gavescon during my pregnancy? Oh?

872
00:40:13,480 --> 00:40:17,080
Speaker 5: No, two hundred and fifty two dollars. If I was you,

873
00:40:17,200 --> 00:40:20,040
Speaker 5: I'd be buying shares in them, like I'm keeping them

874
00:40:20,080 --> 00:40:20,520
Speaker 5: in business.

875
00:40:20,719 --> 00:40:23,359
Speaker 4: Next time you for pregnant. If you do, I'm going

876
00:40:23,400 --> 00:40:25,880
Speaker 4: I'll just let everybody. No, let's all jump on the

877
00:40:25,880 --> 00:40:26,640
Speaker 4: Gavescon share.

878
00:40:26,840 --> 00:40:29,000
Speaker 5: Yeah, because I'm basically keeping them in business at this

879
00:40:29,120 --> 00:40:33,000
Speaker 5: point my newfound love during pregnancy. In fact, I do

880
00:40:33,160 --> 00:40:35,640
Speaker 5: not want to touch one of these weather ten foot

881
00:40:35,680 --> 00:40:38,799
Speaker 5: pole at this point in time. Fruit tingles because they

882
00:40:38,920 --> 00:40:41,040
Speaker 5: actually have buy carbs soda in them. They helped to

883
00:40:41,080 --> 00:40:43,520
Speaker 5: settle your tummy while you're pregnant, and they were so

884
00:40:43,680 --> 00:40:46,239
Speaker 5: much nicer than gaves Gone. They didn't do as good

885
00:40:46,239 --> 00:40:46,600
Speaker 5: a job.

886
00:40:46,719 --> 00:40:47,359
Speaker 1: So I had both.

887
00:40:47,560 --> 00:40:49,520
Speaker 5: But fruit tingles were two dollars a roll because they

888
00:40:49,600 --> 00:40:52,080
Speaker 5: still sell them in roles bottom shelf at the supermarket.

889
00:40:52,120 --> 00:40:54,920
Speaker 5: If you're looking for them two packets a day at

890
00:40:55,040 --> 00:40:57,480
Speaker 5: least I was consuming four dollars a day to my

891
00:40:57,640 --> 00:41:01,040
Speaker 5: daily tab. So yeah, I spent I would saying about

892
00:41:01,040 --> 00:41:04,080
Speaker 5: one hundred and fifty dollars on fruit tingles during my pregnancy.

893
00:41:04,200 --> 00:41:07,719
Speaker 5: WHOA isn't that while? Yeah, fruit tingles? Who would have

894
00:41:07,800 --> 00:41:08,800
Speaker 5: thought people get.

895
00:41:08,680 --> 00:41:11,120
Speaker 4: Some funny cravings when they're pregnant.

896
00:41:11,360 --> 00:41:11,560
Speaker 6: Yeah?

897
00:41:11,760 --> 00:41:13,880
Speaker 1: Do you know what else sucked? During pregnancy?

898
00:41:14,440 --> 00:41:18,520
Speaker 5: I got perioral dermatitis, which basically gave my entire face

899
00:41:18,560 --> 00:41:19,040
Speaker 5: a rash.

900
00:41:19,520 --> 00:41:22,959
Speaker 1: Oh, and I was so uncomfortable.

901
00:41:23,120 --> 00:41:26,160
Speaker 5: It was like really flared up. It ended up cracking

902
00:41:26,360 --> 00:41:28,640
Speaker 5: on my chin and hurting something shocking.

903
00:41:28,960 --> 00:41:30,000
Speaker 1: So you know what I needed to do?

904
00:41:30,440 --> 00:41:33,719
Speaker 5: Go and see a dermatologist. Ah, four hundred dollars to

905
00:41:33,760 --> 00:41:37,000
Speaker 5: see a dermatologist. About seventy dollars for the products to

906
00:41:37,840 --> 00:41:40,000
Speaker 5: help with that flarer. Yeah, just one time, you saw

907
00:41:40,040 --> 00:41:42,160
Speaker 5: a dermatologist, Just one time. She set me up with

908
00:41:42,239 --> 00:41:44,360
Speaker 5: everything I needed and she was very nice by an

909
00:41:44,400 --> 00:41:47,200
Speaker 5: email after that, But are you joking? Four hundred dollars.

910
00:41:48,360 --> 00:41:50,960
Speaker 5: I also found out mid pregnancy Beck that I had

911
00:41:51,600 --> 00:41:54,879
Speaker 5: very high blood pressure which was bordering on preaclamsia, which

912
00:41:55,000 --> 00:41:57,920
Speaker 5: was not very fun lots of additional blood tests covered

913
00:41:57,960 --> 00:41:58,560
Speaker 5: under Medicare.

914
00:41:58,640 --> 00:42:01,600
Speaker 1: That was okay, checkups and stuff.

915
00:42:01,360 --> 00:42:04,360
Speaker 5: Which were free, they were included, but obviously I was

916
00:42:04,400 --> 00:42:07,040
Speaker 5: then on medication, and that medication was costing me about

917
00:42:07,120 --> 00:42:10,560
Speaker 5: sixty ish dollars a month to be on. And then

918
00:42:10,680 --> 00:42:12,879
Speaker 5: in addition to this, I had to purchase an at

919
00:42:12,960 --> 00:42:16,440
Speaker 5: home blood pressure monitor because my doctor said, look, you're

920
00:42:16,440 --> 00:42:18,640
Speaker 5: going to need to test every day. You either purchase

921
00:42:18,719 --> 00:42:21,040
Speaker 5: one or you come in. I could have gone in

922
00:42:21,480 --> 00:42:23,600
Speaker 5: for free to get my blood pressure taken, but then

923
00:42:23,640 --> 00:42:25,320
Speaker 5: I would have had to drive, and I would have

924
00:42:25,400 --> 00:42:27,719
Speaker 5: had to pay for parking, and also we're not talking

925
00:42:27,719 --> 00:42:29,279
Speaker 5: about the time it would take to get to the

926
00:42:29,360 --> 00:42:32,040
Speaker 5: hospital every day. But I spent about one hundred and

927
00:42:32,200 --> 00:42:35,040
Speaker 5: twenty dollars on a blood pressure monitor from the chemist

928
00:42:35,120 --> 00:42:37,759
Speaker 5: to have a home. It's very convenient though, for who

929
00:42:37,960 --> 00:42:38,760
Speaker 5: after pregnancy?

930
00:42:39,800 --> 00:42:41,719
Speaker 4: Maybe just for curiosity.

931
00:42:42,000 --> 00:42:44,840
Speaker 5: Yeah, look, curiosity killed the cat because the amount of

932
00:42:44,920 --> 00:42:47,520
Speaker 5: times I tested my own blood pressure and then freaked

933
00:42:47,560 --> 00:42:50,120
Speaker 5: out and ended up in hospital because I was like,

934
00:42:50,200 --> 00:42:52,680
Speaker 5: oh my gosh, it's still so high, what's wrong is

935
00:42:52,760 --> 00:42:56,080
Speaker 5: the baby? It was just a really fun time. Yeah, okay,

936
00:42:56,600 --> 00:42:59,640
Speaker 5: but yes, another one hundred and twenty bucks. So those

937
00:42:59,680 --> 00:43:02,120
Speaker 5: were so additional unexpected.

938
00:43:01,640 --> 00:43:02,960
Speaker 4: Costs doesn't does it?

939
00:43:03,160 --> 00:43:03,359
Speaker 2: Yeah?

940
00:43:03,400 --> 00:43:06,360
Speaker 5: And also a lot of McDonald's hash browns, but I

941
00:43:06,440 --> 00:43:08,080
Speaker 5: didn't put them into a spreadsheet.

942
00:43:08,800 --> 00:43:09,560
Speaker 4: I don't even want to know.

943
00:43:09,719 --> 00:43:12,320
Speaker 1: I regret nothing. Yeah, we're an investment.

944
00:43:12,480 --> 00:43:13,440
Speaker 4: They are an investment.

945
00:43:13,560 --> 00:43:15,200
Speaker 1: And why are they not a dollar anymore?

946
00:43:15,680 --> 00:43:16,399
Speaker 4: Are they not a dollar?

947
00:43:16,560 --> 00:43:17,440
Speaker 1: Not a dollar anymore?

948
00:43:17,920 --> 00:43:18,600
Speaker 4: Cozie Lives.

949
00:43:18,760 --> 00:43:21,759
Speaker 1: Yeah, anyway, I think we're done here.

950
00:43:22,040 --> 00:43:26,200
Speaker 4: Okay, that's good because I was honestly on the verge of.

951
00:43:26,640 --> 00:43:27,319
Speaker 1: You were gonna leave.

952
00:43:27,360 --> 00:43:29,960
Speaker 4: I believe you're like babies are boring on bit of

953
00:43:30,080 --> 00:43:31,960
Speaker 4: tears actually for the amount of money that you spent,

954
00:43:32,040 --> 00:43:33,480
Speaker 4: but also it is worth it because he's here and

955
00:43:33,560 --> 00:43:34,120
Speaker 4: his beautiful.

956
00:43:34,239 --> 00:43:37,120
Speaker 5: Absolutely I'm biased because I'm his mother, but I'll always

957
00:43:37,160 --> 00:43:38,160
Speaker 5: agree I.

958
00:43:38,239 --> 00:43:40,600
Speaker 4: Do miss him actually, So before we go, though, I

959
00:43:40,640 --> 00:43:42,719
Speaker 4: do want to know, is it any last tips or

960
00:43:43,239 --> 00:43:45,480
Speaker 4: tricks or anything like that? All right, So my number

961
00:43:45,560 --> 00:43:49,640
Speaker 4: one tip would be establish your baby budget early on sure,

962
00:43:49,719 --> 00:43:53,720
Speaker 4: and budget more than what you're anticipating. Obviously, you mentioned

963
00:43:53,800 --> 00:43:56,919
Speaker 4: Cozy Lives before the world is a very expensive place

964
00:43:57,000 --> 00:43:59,360
Speaker 4: to be. But I'd always be trying to put away

965
00:43:59,440 --> 00:44:00,319
Speaker 4: as much as you.

966
00:44:00,480 --> 00:44:04,120
Speaker 5: Can while pregnant, or while trying to get pregnant, or

967
00:44:04,200 --> 00:44:08,360
Speaker 5: planning a pregnancy, because it all does add up, and

968
00:44:08,480 --> 00:44:10,440
Speaker 5: like it might not seem like the most fun way

969
00:44:10,560 --> 00:44:13,640
Speaker 5: to celebrate having a baby or finding out that you're pregnant,

970
00:44:13,760 --> 00:44:17,040
Speaker 5: but having money put aside, I promise you future you

971
00:44:17,360 --> 00:44:19,640
Speaker 5: is going to thank you for that, and that is

972
00:44:19,719 --> 00:44:21,960
Speaker 5: going to ensure that you have a little bit more

973
00:44:22,040 --> 00:44:24,839
Speaker 5: of a stress free pregnancy, because like, the last thing

974
00:44:24,880 --> 00:44:27,640
Speaker 5: you need to be stressing about while pregnant is money,

975
00:44:27,920 --> 00:44:29,600
Speaker 5: and the last thing you need to be stressing about

976
00:44:29,760 --> 00:44:31,759
Speaker 5: while having a baby is going, oh my gosh, I

977
00:44:31,840 --> 00:44:35,120
Speaker 5: didn't foresee this, you know, twenty dollar cost or fifty

978
00:44:35,160 --> 00:44:37,640
Speaker 5: dollar cost, because they all add up, right, So I

979
00:44:37,680 --> 00:44:40,440
Speaker 5: think you can focus your attention where it really matters,

980
00:44:40,480 --> 00:44:42,960
Speaker 5: and that's on having a baby. But making sure that

981
00:44:43,000 --> 00:44:45,239
Speaker 5: your budget is on point and you've allocated as much

982
00:44:45,280 --> 00:44:48,040
Speaker 5: as you can towards that is going to be a priority.

983
00:44:48,440 --> 00:44:51,640
Speaker 4: It's really solid advice. Thank you. I think it's a

984
00:44:51,680 --> 00:44:53,000
Speaker 4: really great place to leave right now.

985
00:44:53,120 --> 00:44:54,560
Speaker 1: I think it's a good place to leave your heart.

986
00:44:54,640 --> 00:44:57,520
Speaker 5: He's in a studio, like he's now a studio radio baby,

987
00:44:57,840 --> 00:44:59,120
Speaker 5: So let's go hang out with him.

988
00:44:59,280 --> 00:45:00,719
Speaker 4: Perfect, Let's do it. Bye, guys.

989
00:45:08,000 --> 00:45:10,520
Speaker 6: The advice shared on She's on the Money is general

990
00:45:10,600 --> 00:45:14,399
Speaker 6: in nature and does not consider your individual circumstances. She's

991
00:45:14,480 --> 00:45:17,880
Speaker 6: on the Money exists purely for educational purposes and should

992
00:45:17,960 --> 00:45:21,120
Speaker 6: not be relied upon to make an investment or financial decision.

993
00:45:21,520 --> 00:45:23,960
Speaker 6: If you do choose to buy a financial product, read

994
00:45:24,000 --> 00:45:27,240
Speaker 6: the PDS TMD and obtain appropriate financial.

995
00:45:26,920 --> 00:45:28,640
Speaker 1: Advice tailored towards your needs.

996
00:45:29,040 --> 00:45:32,960
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

997
00:45:33,040 --> 00:45:36,840
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999
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