that's life

The hack that made us MILLIONAIRES

Kelly Phelps, 54, Drummoyne, NSW

Lying in bed one day, I dreamed about what it would be like to wake up in the morning and look out at the water.

Instead, I had views of the neighbour’s wall!

Growing up in housing commission with my single mum, we never had much money, but she always made sure that I never went without.

But spending money on gifts for me instead of bills meant Mum often spent months playing catch-up, trapping her in a vicious

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