She's On The Money She Maxed Out Her $10K Credit Card Partying... Now She Owns Two Properties
Nov 2, 2025
This week’s guest is a Money Diarist who transformed her financial life from a maxed-out $10K credit card and big car loan to owning two properties. She shares her journey from working multiple jobs and partying hard, leading to significant debt, to becoming a six-figure earner. After facing a reality check, she learned to leverage equity for investments. Now, she focuses on retirement goals and frugality, all while navigating the ups and downs of family life and impulsive spending. Her story is a relatable guide to financial turnaround and stability.
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From Party Debt To Graduation Load
- She got a $2,000 credit card and maxed it during university on festivals and nights out.
- By graduation she carried about $10K credit card debt and $20K car debt alongside HECS debt.
Shared Accounts Forced Accountability
- Moving in with her partner and sharing a household account made her accountable and helped her pay down debt.
- She closed the credit card and cleared both credit-card and car loans by age 27.
Spite Became A $40K Pay Rise
- After a painful workplace push-out she negotiated a new GM role and a $40K pay increase plus a $40K relocation.
- That role, despite COVID, substantially boosted her income and career trajectory.