Money Mum Joins Us: Gemma Bird’s No-Nonsense Guide to Family Finances

0:00Hannah:Before we start, a quick shout out to the nation's teachers and support staff. Because if you've ever tried getting one child into shoes on time... Yeah, imagine managing 30 of them before 8.45 in the morning. Absolute sense. Which is why today's episode is sponsored by Tesco, who are proudly supporting the national Thank A Teacher Day campaign this year. Celebrating the amazing work teachers do every day to support children and families. And taking part is so simple. By sending a free thank you e-card at thankateacher.co.uk, your school will be entered for a chance to win a£1 ,000 Tesco Fruit and Veg grant.

0:34Hannah:Yep, up to 100 schools will receive this funding through Tesco's Free Fruit and Veg for Schools programme, helping school children get more fresh fruit and veg during the school day. Which is why we're asking our guest about the teacher who made the biggest impact on them. Along with the usual parenting chaos, of course. Of course. Coming up. And he was like, I've organised you a personal shopping experience. I was like, Andy East, he's one in Rudy's tonight, isn't he? Yeah. I tax my children on their sweets. Welcome the one and only Gemma Bird, a.k.a. Money Mum. Yeah. Well, thanks for the intro, ladies.

1:10I don't care if you're cosy, you get home in the middle of the night, you breastfeed till they're 25. Crack on. A bit of bitty. Yeah, 25, going to university, graduating. A bit of bitty. That might be a little bit weird.

1:29Hannah:oh what a week louise what a week i had my birthday party last weekend which was lovely thank you darling and how was that it was really nice actually it was really nice we just had like friends over for dinner yeah had my hair cut my kids told me that they hated it so that was nice great um it was a really nice dinner the next morning though i don't know if you've ever done this but my husband had a little bit of a hangover yeah and we couldn't find any um urofen or paracetamol so he took he took three tubes of cowpole did he and did he feel better i don't think he did he was like the stuff doesn't work and i'm like i think it does or maybe because it's for like a six-year-old yeah might not be yeah quantity quite funny like sigm just give himself the syringe of cowpole i thought you were going to say the hangover horn then i thought that's where you were going yeah he had the hangover horn it is a thing isn't it it's definitely a thing yeah it is yeah for yeah my husband would literally dry hump anything if he could yes I was I remember um being in the kitchen and like bending over to like do something and then you know he comes behind me and just a whole like oh yeah and I'm like thanks although I do quite like it I know I always go will you stop it and yeah but secretly I'm like it's when they yeah it's when they stop doing it and like why haven't you yeah why are you not trying to be bending over here this is like what's happening I'm not even at the dishwasher just look I'm bending over I want your attention yeah so that's that was nice but yeah the um the cow poll incident was interesting I love that I love that you tried it and didn't feel better from it no you didn't so were you quite drunk on Saturday or was it like a respectable evening it was I wouldn't I wasn't drunk no but I definitely had a you know a few glasses um it was just really nice and you know chatting to the mums at the school that I don't really see enough or when you're at the school gates it's all very quick or how are you yeah finally yeah um so it was really nice and we actually I was talking to this one mum um and I we were talking about Bluey yeah and I've never seen Bluey have you have you well so it's really interesting you say that so Bradley and Logan my first two kids never watched Bluey yeah and Annabelle likes the Wiggles yes the Wiggles and bluey yeah and she loves it but do you have you seen it because so i've watched a few bits and it's like actually quite humorous for an adult yeah that's what she was saying yeah she was like but there are some episodes that are really um like it's for the parents and they're quite like yeah get you and uh yeah i was just like i've never never seen blue i mean my my kid plays with the toys of bluey that she's got but tonight's the night tonight might be the night and She did say, she was like, you know, actually when I was slightly hungover on the Sunday, she was like, maybe don't watch Bluey by yourself tonight because you might get emotional.

4:15Hannah:I was like, oh my God, is it really that emotional? So I'm quite excited. I just love Bluey because it entertains my daughter. I remember my boys started to watch, is it Bing? Bing, yes. Bing misses the beginning and the ends of words off. So they were both doing quite well with their speech. And then at one point they're like, oh yeah, how are you? me and I was like why are you talking like that what are you what I couldn't understand it and I thought I was like they might be developing like because my husband he used to have a speech impediment yeah and he talked really fast and missed the beginning and ends of words I thought oh maybe this is like a I don't know genetic thing I don't know but it's actually Bing but it was Bing and I'd be like right you're not watching Bing anymore he's like not talking properly he's not educating you while I'm doing housework I need I need a cartoon that's going to teach my kids educate them I don't know oh wow and any parenting fails this week so I've been really preoccupied with websites work everything um and I've I'm sure I signed Logan up to do drama but apparently as the uh school phoned me to say oh hi Mrs.

5:20East because they're so nice and friendly um and I was like hi yeah and they said we've got Logan here and I wanted to be like well I hope so he's at school isn't he and then she was like yeah it's just um do you want him do you want us to put him into like the wraparound care I was like well he's got drama hasn't he now I I mock parents that don't read school emails and here I am not reading school emails because I was like oh my god which email was that and then I was scrolling through like keyword drama and trying to anyway I forgot to pick him up from school but I was really lucky on uh Monday so for my birthday it's the only day that me and Andy could go and do something we never do stuff just the two of us no it wasn't Rudy Doody's he was like get in the car I'm taking you somewhere so I was like oh what do I wear and I hate surprises I was like well where are we going have you told my mum and dad I could maybe get bribe my dad to tell me um so he took me to Birmingham shopping and he was like I've organized you a personal shopping experience oh I was like Andy East he's one in Rudy's tonight isn't he yeah So three personal shoppers ran out onto the shop floor, got loads of stuff, came in, threw dresses at me.

6:27And I was like, this is amazing. And then I was, you know, waiting to show Andy one of the dresses. And I was like, oh, I don't know where he's gone. Maybe he's gone to do a bit of shopping. And then all these personal shoppers had disappeared. And I was like, oh, hello. Like, excuse me. You know, I think I need a bigger size than this one because my ass has got bigger since I had my third kid. and um I turned around and in the changing room next to me Andy my husband was there head to toe new outfit and three personal shoppers oh my god were assisting my husband for my birthday present as a personal shopping experience oh my gosh and uh he was like oh babe what do you think to this and I was like oh Andy you look really nice he was like I've got to show you this other top as well I've just tried this on and he knew them all by first name terms they were all laughing and chatting with him I was like excuse me like this is my day so I was thinking so he actually left and he spent more on himself than I did on me do you think this surprise was for him rather than

7:25Hannah:you and he was just made it out that it was for you no it's just that's that's just him so he's got a full new wardrobe and he was like I've been waiting for something like this and obviously everyone's like oh that top's amazing why don't you add the jacket with it as well as you spend a bit more and the shoes like socks like pants everything it's like a pretty woman moment but for the man for him yeah and then we were late for school pickup oh god i was at nursery one minute to six and my anxiety levels are through the roof because i hate being late yeah and we were driving back the boys missed their swimming lessons the weather was bad and i was like oh my god this is so stressful i loved your sketch that you did with your nursery teacher you're one minute late at 30 pounds 30 pounds a second because obviously we wouldn't send our kids to nursery if we didn't think they were great places we couldn't work without nursery we need that they're our heroes people at nursery and but a guy messaged me bearing in mind i'm holding a kid's shark toy as a phone and this guy was like my suggestion is you don't work in a nursery i saw that you're like it's a sketch but i was like i no no that's it's not me i'm not on the phone like this isn't real time.

8:32Yeah, I know.

8:34Hannah:Oh my God. Honestly, that's hilarious. I did see that. The internet's a wild place. Today we have the UK's favourite money-saving mum. She's a best-selling author, a no-spend day queen, mortgage-slaying legend and a truly brilliant parent and person. Please welcome the one and only Gemma Bird, aka Money Mum. Yeah. Well, thanks for the intro, ladies. Oh, I'm so happy you're here. I might just get you walking in front of me every time I enter a room from now on. That's fine. My husband's buzzing that you're here because he's like, she's going to stop you going to the expensive supermarkets and you'll start thinking about your spending.

9:13Yeah, definitely.

9:14Hannah:Gemma got to say fashion tip because Hannah and I do our fab fit and these shoes, charity shop, eight quid. Brilliant. Eight quid. They're basically brand new and I love them. I mean, they're a bit high for me, but I don't care. I love them. And yeah, Hannah, the other day, you came in with some shoes from a charity shop and they were brilliant yeah there's like they do where I live they do this thing called rotate so it's like a car boot sale for women's clothes so um you go there they do it every like six months or so and people are selling like reese heels and trousers jumper like all the designer mates and you can get I got like a pair of reese shoes for like 11 quid and I obviously I haggled I think she wanted 15.

9:49I've only got 11 pound give a 15 quid work you're like those people on Facebook it's on for four pound oh my god can I buy it for three okay And then can you drop it to me eight miles away? No, no, I can't. And can you do it in 10 minutes as well? Because I want to wear it tonight. And then you go, are you coming? Nothing back.

10:06Hannah:Nothing, that's what I find. You say, is it still available? Yes, it is. Ghosted. Yeah. I've known you for a while. I'm so pleased you're here. And you said something recently on your Instagram about how you can make your house warmer in the winter months without spending too much money. And I do this. So it was when you're cooking something in the oven, leave the oven doors open. Yeah. I thought you were going to say put a jumper on. Once you finish cooking, Lou, don't leave the oven door on whilst you're cooking once you finish. Turn off. That's not really cooked. That's what the hell that chicken's roaring.

10:40Louise forgot to shut the oven whilst you're cooking.

10:42Hannah:No, but I do that. And I think that's brilliant. I love that. It's so simple. And that's what's brilliant. You have really easy saving tips for parents out there. What would you say are your top, top tips for parents who are feeling the, you know, the squeeze. My first tip is always work out your hourly wage, what you take home. So for example, say after tax and national insurance, we're just going to make this really simple. You take home£10 an hour, right? Experience a membership that backs what you're building with American Express Business Platinum. Unlock over$4 ,000 in business and travel value annually with statement credits on select purchases from brands like Dell, ChatGPT Business, Hilton and Adobe, and other benefits.

11:26Hannah:American Express Business Platinum. There's nothing like it. Based on total potential value of statement credits on select purchases and other benefits, enrollments required, monthly and other limits and terms apply. Learn more at americanexpress.com slash business dash platinum. If especially a lot of people don't like their job, right? So if I said to you, when you go around the supermarket, if you spend an extra hour in there, because I've done this on loads of different things, switching brands literally checking every single solitary price and you save 30 pounds you actually have to work three hours to earn to earn that 10 pounds so if I said you spend an extra hour in there you're actually times in your wages by three because when you go to the gym and you run and run and run and run not that I go to the gym but whenever I've been to the gym but hold up there's a point to this whenever I've gone to the gym and I run on the on the on the treadmill which is never as I say but if I ever do I've looked and after 10 minutes it'll go you have burnt 50 calories and I'm like what 10 minutes of absolute hell for me because I don't enjoy it but when I go home I then am more cautious of what I put in my mouth I then will pick up a Mars bar and think 250 calories I'd have to run them for four days so if you think about it the other way around like money but when you're not going to the gym you don't think about that Mars bar you bung it in your gob so it's a bit like money do you see what I'm saying like oh my god literally I love you Let's talk about going on holiday with kids and saving and stuff like that.

12:47Hannah:So I guess an average holiday for a family costs somewhere between, I mean, if you're going abroad, maybe somewhere between five and ten thousand. So if you're a family of, say, four, trying to save for a holiday, like what would you, what tips would you do? Well, it depends, again, on your circumstances. Remember, if you've got very young children, we go we've been on way to beautiful beautiful places with the kids and as I say we went to the caravan but Brodie and Bronte we went to a caravan a couple of years ago and it was Brodie and Bronte's favourite holiday and we went to Scotland to visit friends what I tend to find is children love other children yeah they don't care whether it's a five star hotel we do we do we like the luxury we like the hotel but they actually don't really care no if there's a water slide and there's a pool yep and there's some sand fuck it a spade they don't actually care like we went to Canvey the other day with my friends and we did crabbing down there oh crabbing's so much fun oh it's so much fun so you can do home holidays and look at things like if you you know you can't afford to go away at all have you got another friend in a similar situation and do they say live in Scotland and you live in England could your house swap for a few days and then you literally just change for that that's a really good idea could you do something like that or do you there's it's literally I think it's pretty much called off the top of the head free campsites.com or something like that if you if you just put in free camping you'll be able to find it on google where you can literally go camping for free well i do think that goes back to my childhood of really not doing much at all we did go on this one holiday budget as you like um so it was called it might have been like it was a airbnb not even air but it was a bed and breakfast somewhere in the uk and all of us shared a room but you know i think my mum was brilliant and making things fun.

14:36Hannah:She made everything fun. And when we had our breakfast, which was included in the bed and breakfast, she would say to us, she's like, get a napkin and just fill it up with loads of food. Like grab those sausages and grab that bacon. Oh my God, I still do that now. Yeah, and we had that for lunch and get the croissant. So they had lunch and dinner, which is probably why now I'm vegetarian because it was disgusting. But it was gross. Anyway. Sounds like where I stayed for my hen party. My husband went to Las Vegas for his stag do and I was like, I just want a cheap weekend. I want all my mates to come.

15:04I don't want any of my friends to feel uncomfortable with the cost of my hen do. I want it cheap, cheerful, and I want it tacky. So we went to this place in Blackpool, which was actually a swingers hotel. It was about£2.50 a night. And do you know what? It was the best weekend of my life. I remember one of my mates was pregnant and we went for breakfast and the guy serving had a fag in his gob. And this guy was like, do you want them fried? I scrambled. And I was like, um, I think I'm all right. And my friend who was pregnant she was like i'm not eating here she was like my husband you know my husband there was like hairs in all the edges oh no that's absolutely revolting it was it was two pound fifty a night and it was a swing as well you could hear people upstairs doing their bits but um yeah it was it was the best weekend of my life and it was cheap and cheerful all my friends were there yeah and that just made it yeah it's what you make of it sometimes when things go wrong they are actually really funny and as i say that's when you have the memory so they can either be absolutely amazing or absolutely dreadful yeah that's part of life right it's like it is funny I don't want to advertise a hotel because I know everyone's going to flock there.

16:05It's like, what, a super 50 night? So how old are your kids? So Brody, my little boy, is 12. He's about to turn 13, so he's about to be a teenager. And Bronte, my little girl, is six.

16:16Hannah:And do they have their own saving accounts, bank accounts? Are they clued up with money? Do you drill it into them? No, they're not clued up with money at all. Because Bronte's six and all she cares about is getting sweets and Barbie dolls and asking me questions. Brody has an understanding, but he's still only 12. He's not, as I say, he's not even hit his birthday yet. So he's still very much like, can I have? But they both do have savings accounts. I, this might sound really weird, but I tax my children on their sweets. To teach them. Yeah, so if I give them a snack. Right. I mean, my husband started this.

16:58Hannah:I think it's because he just wanted some of their stuff. But in a way, it's teaching them. So if we give my kid, like, you know, a packet of Haribo or a packet of crisps, we go, mummy tax, daddy tax, and they have to give us some of it. And they're like, ugh, ugh. And we're like, it's tax. You got it for the rest of your life, so you've got to learn now. Is that weird? No, it's not weird. And I think there's no, again, there's no right or wrong when it comes to money and what you do and how you do it, you know. And again, that's another thing. We compare ourselves all the time with people around us.

17:28And we also compare ourselves with money and how successful we are with how much we earn. So it's not a bad thing to say, to introduce your kids to tax, introduce your kids to say no to money because it's part of life. Because I think then we all grow up a bit more balanced. Like if we speak about it a bit more, because there's always someone richer than you and there's always someone doing work, but not as well as you. Do you see what I mean? Financially. So I think what you're doing isn't a bad thing. I just think in the teenage years, even saying to them, like, mum's not got the money for that.

17:55Yeah, I do say that. I do say I can't do it. They're like, why? And I'm like, because I can't. Brodie asked me for a baguette the other day. Do you know there were only 12 million, the one he wanted? I thought you said baguette. No, baguette. It's all right. It was like, oh my God, mum, you know you're doing well. You know you're doing well because I said to him the other day, oh, I've done well on something. So he's remembered this piece of information. Probably I got an extra hundred quid. He went, let's go. Who cares about your poops? Ollie does. That's why Ollie's Science Back to Gut Health lineup help support your family's regularity.

18:27From daily probiotics to fiber gummies your kiddos will love. Find it all on ollie.com. That's O-L-L-Y.com. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease. Why don't you get a baguette? Sure, let's get two. And what about? And then I sort of had to explain to him. I said, to have a baguette, Brody, not that I know anyone that's got one, but you'd have to be worth hundreds of millions to buy that car for 12 million. You couldn't just have 12 million because then you couldn't be able to run it.

19:02And he was trying to even get that concept to him. But he's like, but if you had 12 million, could you buy it? And I'm like, in theory, yes, but no, because then you'd have to tax it and you'd have no money left. So really to be able to afford that car, you'd need probably 200 million in the bank. So he's trying to describe him. So whatever it is, again, that was something that interested him that caught his interest. I know it sounds crazy, 12 million, but I thought, well, he's interested in that. and he was like, oh, right, okay. So you could buy it, but then you couldn't afford to run it. So it's just trying to, whatever clicks with them at the time.

19:30Do you know what I mean? Like you say, something that's relatable. One thing I spent a fortune on, and it was really bad. So I've just come out of the whole breastfeeding in the night era. My little girl, she's still in nappies and stuff. So she's still at that age where she wakes up a bit in the night. I wake up in the night, especially when I was breastfeeding. I was buying so much shit online when I was half asleep when I was feeding in and not even feeding it's like you're awake and then you have that anxious feeling don't you where you're like oh what if the baby's not okay like what advice do you give to mums that are buying shit in the night when they're awake yeah I feel like this is actually a really easy one to solve just put it all in your basket and don't check out so literally so you feel like you're buying it whatever you want yeah your hot tub your baguette car whatever it is that outfit that's like a size eight that you know you're never gonna get into all this stuff put it in the basket and then in the morning wake up and ask yourself do you need it and do you want it most of the time you won't want to and if you can do it and not scratch that itch actually wait 48 hours because my friend had this and this is a real true story i was around her house and she was like i've never got any money but i know that she earns really good money so i was like i don't understand how you've never got any money you went way above the average wage and so does your husband like why have you got no money two seconds at the door goes about four amazon boxes she goes oh i haven't opened them And I looked at the floor and I was like, there was another like five opened.

20:49She was like, I'm obsessed with buying things, like just buying things. And I was like, so I said to her, this is why you've got no money. And she was like, why? And I said, because you're buying took that you don't need. Like fair enough if you need it, like it's brilliant. Like next day delivery and things you actually need. Like Bronte needed some school tights the other day. I was like, right, Amazon them straight away. But she didn't actually need any of it and she wasn't using a lot of it. And she was even saying to me that she was opening things. They didn't fit. And she'd gone past the return period.

21:14So she couldn't send them back. So then she was then just giving them away or she wasn't even reselling them or doing anything. That's like just throwing money away, isn't it? So I said to her about this, like put it in the basket and wait two days. And she goes, oh, I'm going to do it. I'm going to do it. I'm going to do it for like a month. I'm going to really try. And she actually did stick to it. And she reckoned she saved a couple of thousand pounds. Seriously. Are you kidding? No, I'm not.

21:34Hannah:I just don't think saving for children is implemented enough in them. And is that because now things are so different? like us growing up like I saved for my first car and I saved and bought a flat on my 21st birthday and I couldn't afford to live in it so I had to rent it out to my friends because I was at uni and I didn't have the money to and I was like my same as you my parents went in half for this flat I remember actually when I met my husband my dad was like don't you be telling him that you own property I owned a two-bed flat in Scarborough like it was it wasn't great as bogging actually and my husband actually had done the same thing and we've got a property business and he'd done the same thing and saved up and bought his own stuff and that's because we grew up with very like our upbringings were very much like you want money well you have to earn it then yeah I remember I went to a car boot sale when I was nine and I saw this big gorilla teddy which I still have and then the woman it said a pound on it and I was like oh I was like I don't have a pound I've only got 50p and she went oh darling you can have it for 50p and I gave her a pound and I stood there and waited for my change.

22:38Oh. And my dad was like, I'm going to have to watch her. But my concern now is that things are different. My kids don't have that. Like we'll say things like, I'll say, who's going to pay for that then if they ask for something? And my middle child is seven and he was just like, well, you can pay for it, mummy. And I was like, no, no, you do jobs around the house. I remember doing jobs around the house and you'd write it on the fridge, like clean the bathroom 20p. And obviously you wouldn't clean the bathroom properly, but you'd write 20, you know, and get pocket money every week. and I'm like that's on me I'm not teaching them enough that like although it's ingrained in me from a young kid to want money my brother wasn't the same he wasn't as bothered as as I was about having money and saving but it's like what is it is it like me not educating my kids enough or like how kids are a bit bougie now aren't they I think I think it's a mix because I think as well when I was growing up my parents didn't have anything like I didn't go on a plane till I was 14 I mean we went to caravan holidays and I do think now like Bronte and Brody have been to disney world loads of times even with our job like they've had like pr trips there um they they have grown up in a much more not not particularly brody than the younger years but the last four or five years even just with my job so i do think it depends on your circumstances as well do you see what i mean so they have been traveling because that's something i really wanted to do and i wanted to experience that with my kids but i think as long as they sort of i'm hoping that we we instill into them that this isn't normal that you're going on all these holidays and things if you are lucky enough to take them away making sure that they they're aware of it do you see what i mean so it could just be that your lifestyle is different to how you grew up maybe you're more successful than your parents were because again that was that fight in your belly a bit like me where you didn't want to constantly say i've got no money to do that we've not got no money like i just all like i remember that living in fear and i still live in fear now every single day like i think this can all go like my money could go i've got to save I'm an obsessive saver still.

24:28There's no change in me whatsoever. So I do think maybe it is your upbringing. And I don't want my children to live in fear. I think I do need to loosen the purse strings slightly with certain things. Like I'll be like, oh, I can't buy that when I can. So I think there needs to be like a happy middle. I think that's what I want from my kids. I want them to be able to think, my mum has always said to me, and she still says it to me now, but I've gone the other way, I think, spend off, save off. And that's what I want my children to do. Do you see what I mean? advice yeah how did you get into doing this right so we're gonna number crunch it all together fact one the most i'd ever earned is 25 grand a year right that was the most i'd ever ever run until i started doing this job okay um i was on about 15 grand actually before i started doing this job my husband was out of work so when people say to me you don't know how what it's like i'm like no i do know what it's like because i've been on really low money in the age of seven i lived and breathed saving money because my parents never had any so i feel like it's just part of me yeah i'm not good at pretty much anything but I'm good at like saving a pound note do you get what I mean so I feel like I just started my page as me like just sharing money tips because that's what I do I enjoy it maybe it's a number thing I don't know and with regards to paying my mortgage off I've moved now so I'm not mortgage free but I was mortgage free at 37 that's incredible like huge credit to you yeah never earning a high salary what a relief to do that when I was on the low salary I worked for an estate agent I saved up a low amount of money and I remember I wanted to buy a flat because I went to shopping not shopping I went to show him around the house like a flat and he was a builder and I remember I was I was I was in early 20s and he was like this muscly man in this Range Rover car so really impressionable when he owned all these properties and he was really wealthy and I'm a question asker so I was like how have you got this car oh my god I love Range Rovers I'd love a Range Rover how have you got all these flats like but how would you do things so he just told me like as I was showing him around he was like I buy properties and I rent them out and he's like you need this deposit and it was at the time where you could get five percent deposit yeah yeah a long time so i was like yeah i'm just a doer a bit like when i started instagram i just picked it up and did it i went back into the office i went and sat with the mortgage advisor and was like right what could i borrow so she told me so i found a flat and this is how i did it i put what from stow was an upcoming area i put lowest to highest i found the cheapest property that was flat that was on the market because i thought well it probably won't go lower this is my thinking and i had to put down a deposit of 15 000 but i had seven and a half thousand so i thought right well I buy it for my dad who I may stress has got no money he had a little bit of savings like me and we went completely half like like you two going into business when you say your dad people think daddy's girl absolutely not I never got no money off my parents to be really clear so me and my dad bought this property in Walthamstow and then we bought another one in Walthamcrosser house and we rented him out never made any money on them over the 10 years in fact it was really stressful because I went through a separation and divorce so I got some money from that not a huge amount um it was 60 000 um but from a house we both earn and then i moved in with adam at the time we'd bought the house and there was a 225 grand mortgage owing on that property yeah and i sold both the houses i'd bought years and years and years ago with my dad we went halves on the what we'd made on it and i made 125 000 on one that's amazing and about 60 000 on another and that's what i was saying that was from that small amount of money and that was going for something now you can't do that now on these five percent deposits but what I am passionate about is small money can be turned big I know so many people when I was younger would earn like 100 ,000 pounds a year and this was back in the day when that was really like still a lot of money now but more money you know you got more for your money then but they they didn't know how to manage their money and it always comes down to me is you have to value that 10 pound note I need to give up

27:59Hannah:TikTok shop TikTok shop I'm no good on that old TikTok I don't know what I'm doing terrible I'm that person like it's like I'm breastfeeding again I'm in the middle of the night and I'm scrolling and like and the algorithms just put stuff and you were like the other day i just sucked into a really good ad and it was like if you know if there's an apocalypse what are you going to do in the household and it's like you need this radio oh my god i saw this yes i bought it you didn't and i remember thinking you know and i'm not even joking i actually thought who would buy this guilty how much is it and he goes down underneath yeah oh my god i actually saw it and thought, oh my goodness.

28:36But Louise, you had grenades in your garden recently. I did. Well, that's really why. That's really why you did it. I needed to get myself sorted. But then again, looking at it from the other way of making money, he's an absolute genius. Yeah. Because he's making money selling it. Yeah, he's brilliant. Yeah.

28:49Hannah:So that sounded like I absolutely commend you. Like, legend. Have you got any, like, parenting fails, budgeting fails that you're like, oh, I messed up there. I shouldn't have done that. Oh, well, I would say I mess up most days because I'm a normal human being and just life and parents you do just end up sort of having lots of failures um I would say I wouldn't really necessarily even think about it being a money thing I feel like I've tried to be the best mum I definitely could still now give them more time like I'm a bit work obsessed but again I think that comes down to that's a me thing not them do you see what I mean yeah yeah um but I just I don't think there's really any rights or when with parenting as long as the child is absolutely safe and loved i don't think there is a right or wrong like i co-sleep with bronte and i don't do loads of things my mum did and my mum will say now i wouldn't do that but it doesn't mean that i'm doing it wrong and my mum did it right we're just did it we're just doing it different yeah yeah parenting's so different these days now anyway isn't it yeah like i just don't see why we all have to judge each other really no judgment here yeah like i know it sounds awful but i don't really care what you do with your kids as long as they're safe and well and I don't, they're not causing any concern like that.

30:01I couldn't care less. I don't care if you co-sleep, you get up in the middle of the night, you breastfeed till they're 25. Crack on. It's a bit of bitty. Yeah, 25, going to university, graduate. That might be a little bit weird.

30:15Hannah:I've got a question actually, I think this is more kind of like psychological if there's such a thing. When I was growing up, as I said, like we didn't have any money and if we, you know, on the off chance went to the cinema, like Once in a Blue Moon, my mum would never, ever buy popcorn. Absolutely agree with her. But she would make it really obvious. Like, how much is that? That's ridiculous. I'm like, mum, this is really embarrassing. And like mates are over there with their massive popcorn. So I'm like, mum, please just buy one. This is really... And she never did because it was, you know, is it you?

30:48Hannah:Do you do that? But because of that, but now as a grown up, I go to the cinema and I will buy the biggest popcorn it's almost like I'm making up for my loss in childhood I'm going to go to cinema with you you can buy it I spend a fortune at the cinema because I feel like I didn't have that as a kid okay so now you know maybe I need some therapy about that yeah but that's it's um that's important to you and that's okay that it's important to you because you're probably careful in other ways I worry every single so much job I've got anxiety so I'm sitting here now with a worried belly I'm always worrying you don't come across that you worry ever oh my god i was crying literally this morning before i got here woke up with anxiety like terrible like the knots in your stomach yeah worried about being here or just worried generally no no no i was pleased to come here because i'm seeing you and that makes me feel better no terrible just like i got the shower last night i said it on instagram just worrying all the time what financially or just just everything like oh i'm not doing well enough or no one likes me everyone loves you overthinking everything but were you worried throughout your pregnancy and for the birth and everything as well no funnily enough I wasn't I just thought everything would be fine on my first pregnancy and it wasn't my birth was pretty horrific but I didn't worry oh just the complications having Brodie like the actual birth the pregnancy was fine although I had terrible sickness I didn't enjoy being pregnant but um just the actual birth was terrible terrible I mean I was obsessed I still am obsessed with him um but you know like the actual having him was once he was here was amazing but the giving birth bit oh my god I can't I can't lie it was horrific so tell us a little bit more then you said your birth was your first labor was a bit horrific what about it was bad so obviously it was the first time having a baby um so you expect I don't know like I definitely wasn't one of these people I'd said straight away that I want an epidural I want everything because my my my thinking was like I wouldn't go and get my arm cut off without drugs so why am I gonna push something out of my nose without drugs that's the way I thought about it um and I did I didn't want an actual birth like I was like no I want to be like I do not want to feel this pain I just want you to hand me this child so anyway I remember I woke up and my waters had broke and everything and within sort of a few moments that it I started to feel the contractions and I was like oh the first couple of ones I was like this is all right within probably 10 minutes I was like this is horrific like I was like oh my goodness so this went on and on and on and on for hours and I remember Adam was like well you haven't you're not in labor yet because it's just started you know like you're following all the rules of what are you going through the antenatal classes that you're not in labor so i was like okay so adam i think was falling asleep at the time and which was really annoying me he's absolutely amazing my husband i said to him i'm obsessive in but oh my god he was not good in labor like he just kept going to sleep i was like really it's really hard for them well he's actually well he said to me it's really hard for me because i'm not experiencing labor so I'm just naturally tired, aren't I?

33:44Oh, my God.