Me-thinks castor oil will be getting ingested sometime after x-mas so I can afford to pay my doula and get a pram for the 2 bubs asap. Lump sum is definitly prefered this time around. Maybe next time when I don't have big ticket things to pay for and maybe some savings I will appeciate a fortnightly payment. It is hard when you only bring in a single income big enough to pay the bills and get some groceries and not much is left over to put into savings.