Using a credit card to earn Qantas Points… is it even worth it?! Folks, joining us today is listener Megan – and not only is she going to help us answer this exact question (… just wait ‘til you hear the reason it came up in the first place!), she is also living proof that your money backstory does NOT have to be your financial destiny! This is a financial transformation no one should miss – we cover a LOT of ground, including… a backstory of Financial Hardship, learning the hard way about bad debt, setting new money habits, investing as a parent… you name it! Megan was an absolute joy to interview and is extremely generous and transparent when it comes to sharing the truth of her story so others can benefit from it. Highly recommend this one, folks! And, yep, it might make you think twice about how you use a credit card!   Free Stuff Mentioned… * FREE eBook– Make Money Simple Again * Take our Survey– What do YOU want to hear about on The Couch?! (only 7 mins to complete – and you get an Awesome New Freebie at the end of it 😉) * Sign Up For FREE To MyWealth Portal & Start Your Financial Transformation Today!(includes Money SMARTS, Money FIT + Money STRETCH) Click here or simply fill in the form at the bottom of this page   Here’s What We Cover… * 03:12 – Megan’s Money backstory! * 04:54 – Was it simply inferred that money was “tight” growing up? * 06:53 – Money differences between siblings… * 08:04 – Money differences between partners… * 10:52 – Using the same bank account from the age of 6! * 12:41 – How to have separate living and lifestyle accounts for each partner * 14:45 – Things to remember when comparing yourself to your friends * 15:56 – Who takes the lead on the finances? * 16:27 – Where does the “Why” come from? * 17:41 – When credit card debt spirals out of control… * 19:07 – How did she pay off all that debt so quickly * 20:15 – Techniques and tips to remove bad debt * 20:35 – Before Money SMARTS! * 20:44 – How much did they spend on going out for dinner?! * 20:50 – After Money SMARTS! * 25:25 – #1 Tip so you DON’T have to keep transferring money back and forth! * 26:11 – Are those Qantas points really worth it? * 28:33 – How is Megan running her provisionings? * 29:32 – Why was Money STRETCH so important for Megan and her partner? * 34:07 – When the mindset goes backwards… * 39:07 – The benefits of the MyWealth Portal * 41:27 – How many icy poles is too many icy poles? 🤣 * 43:30 – The power of setting a long term goal/s for yourself… * 44:33 – How did they upgrade their home? * 46:43 – Considerations for a PPOR that will eventually be turned into an investment property * 50:05 – The importance of diversifying your portfolio! * 51:14 – Understanding the timing of our ABCD pillars of Mastery * 50:54 – What does Megan want you to know about Money SMARTS?