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
