Earlier this week it was reported that Tori Spelling was ordered to pay nearly $40,000 to American Express to settle a debt of about $39k plus court fees. AmEx sued Tori in January for failure to make payments on her bill. Over the summer we heard that she also owed over a quarter million dollars in back taxes to the state of California and it’s been rumored that she has other extensive credit card debt. That’s to be expected given her lifestyle, which included an extended trip to Europe this summer, although she did do some promotional appearances. So Tori has money problems, and she also has four children, ranging in age from four to nine, with her husband of ten years, Dean McDermott. Tori and Dean predictably marital problems, she claimed he cheated on her in 2014, but she forgave him and they had that romantic vacation over the summer. It looks like they didn’t take precautions because Tori is pregnant, at 43 years old, with her fifth child.

And baby makes seven: Tori Spelling is expanding her family once again.

“It was a total surprise,” Spelling tells PEOPLE exclusively in this week’s issue of her impending fifth child with husband Dean McDermott. “But we always wanted a big family. I’m really excited.”

The pair are already parents to Liam, 9, Stella, 8, Hattie, 5 and Finn, 4. Dean also has an 18-year-old son, Jack, from his previous marriage.

Want all the latest pregnancy and birth announcements, plus celebrity mom blogs? Click here to get those and more in the PEOPLE Babies newsletter.

“Dean was saying, ‘We just got Finn out of diapers; I thought we were in the clear!’ ” says Spelling, 43, with a laugh. “For the first time this year, they’re all in school. So it’s like, wow. We’re basically starting over.”

Regardless of the inevitable adjustments — “We need a Sprinter van!” says McDermott, 49 — the couple, who recently celebrated their 10-year anniversary, say baby number five is definitely meant to be.

“This baby happened at the best time,” says Spelling. “Nothing is ever perfect, but I’m so madly in love with my husband and with our kids. The idea of adding to that is such a blessing.”

[From People]

So was Tori actively trying to get pregnant without telling her husband? He had to know something was up, he was in on it too, but the way she describes it makes it sound like he didn’t want any more kids while she did. How do you have a “surprise” baby after you already have four freaking children? It’s not a surprise if you had sex while you were ovulating and didn’t use precaution. This baby is Tori’s way of staying relevant and trying to drum up more interest in her life. Also, I’m the same age as Tori and I have absolutely zero interest in having another baby. I can’t imagine going through all that again, raising kids is hard and Tori has four under ten at home now. Kids are wonderful but they’re also so much work. I know some people enjoy having big families but her life must be chaotic.

Exclusive: @Tori_Spelling is expecting her fifth child with husband Dean McDermott https://t.co/D6OBxAKWKV pic.twitter.com/CONeph1gWB

— People Magazine (@people) October 5, 2016

This is Tori on July 27. She wasn’t showing yet. Judging from People’s photos I would guess she’s about four to five months along.

In June:

photos credit: WENN and FameFlynet