Jersey girl TERESA GIUDICE has a $40,000 plastic surgery secret!

The breakout star of Bravo’s “Real Housewives of New Jersey” is considering going under the knife after seeing recent pho­tos of her widening thighs in swimsuit shots, which insid­ers say have caused her “severe anxiety.”

The 39-year-old mom of four is dealing with “a lot of insecuri­ties,” noted one insider, and she thinks some fine-tuning at the plastic surgeon’s office will help her feel more confident.

On her to-do list are:

 A $12,000-$15,000 tummy tuck and thigh liposuction

 A $7,500 “touch-up” on her boob job

 A $5,000-$7,000 butt-lift

 A $9,500 face- and brow-lift

 A $1,000-$2,000 lip plumping

“She’s suddenly found herself famous around the world and feels entitled to this makeover because now she’s a star,” said the insider.

“Teresa wants to look as good as she does in the air­brushed photos of her that show up in the glossy magazines.

"The total cost will come to a whop­ping $40,000 – but she wants the best money can buy so she can make herself feel better.”

Teresa’s publicist denies that she’s planning any cosmetic work.

But the insider said Teresa’s first breast augmentation made her “much more confident” with her body and that has en­couraged her to seek further cosmetic surgeries.

And with ALL the stress that she’s been facing this year, “Teresa believes another round of plastic surgery will be the antidote to her blues,” added the insider.