
The Therapy Edit One Thing with Gemma Bird on how the the early years of motherhood cost AND give the most
May 26, 2023
Gemma Bird, Money Mum Official — money-saving advisor, author and ITV Saver Squad contributor. She talks about the financial squeeze of the 0–4 years and why it is short-lived yet precious. Practical hacks include audits, secondhand swaps, toy rotations and side income ideas. She also discusses planning with a money journal and resisting social pressure to keep spending in check.
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Raisins Reveal Hidden Overspend
- Gemma Bird compares tiny packaged raisins at £8.24/kg to bulk raisins at £1.90/kg to show simple savings.
- She uses small real examples to expose everyday overspending traps.
The 0–4 Financial Window
- The hardest financial years for parents are from a child's birth to age four.
- Gemma Bird reminds listeners this phase is short and will pass, so savour the small moments.
Audit Spending And Trim Subscriptions
- Do list all your incomes and outgoings and cut non-essential subscriptions or costs.
- Try cheaper child activities, secondhand toys and toy rotation to reduce repeated spending.


