Its funny how a lot of people have the misconception that you are snobby, rich or stuck up if you have PHI - Most people will spend $150 a month on foxtel or something similar without batting an eyelid, but think the same amount on PHI is too expensive???!!!!! Priorities....
Its up to you, hun, but NEVER think its a waste of money, or its for snobby rich people.
Its for what you think is most important for your family.
HTH xxx
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