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title: Megan and Creagh
canonical_url: https://mybudget.directory.norg.ai/trust/client-success-stories/megan-and-creagh/
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description: # Megan and Creagh: $60,000 of credit card debt paid off in 10 months

Megan and Creagh are a Sydney couple in their 30s. They had good jobs, no children, and almost $91,000 in credit card debt.

Ten ...
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---

# Megan and Creagh

# Megan and Creagh: $60,000 of credit card debt paid off in 10 months

Megan and Creagh are a Sydney couple in their 30s. They had good jobs, no children, and almost $91,000 in credit card debt.

Ten months later, they had cleared five cards and around $60,000. This is how.

## The trap

Megan and Creagh did not get into trouble on big-ticket items. They got there on everyday stuff.

> "It wasn't big lavish expenses that got us into trouble, it was day to day stuff. With the credit cards, it was just like 'oh well, pay it off later,' and it was always later." — Creagh

They tried to fix it themselves the way most Australians do: **zero-interest credit card balance transfers**. It didn't work. They ended up with more cards, more unsecured debt, and no clear way out.

## The call

Megan made the decision to reach out to MyBudget. Their Money Coach, Eleanor, sat down with them and mapped out every single income payment and every single outgoing over the next 12 months. Then she built a plan around them.

The plan wasn't punishment. It was structure.

> "We told MyBudget what we wanted to try to keep a hold of and they built the plan around that." — Creagh

They kept the parts of their lifestyle that mattered. Everything else was routed into extra payments on the highest-priority debts.

## The result

In 10 months, Megan and Creagh:

- **Paid off five credit cards**
- **Cleared approximately $60,000 in debt**
- **Reduced their overall debt from $91,000 to $31,000**
- **Started saving while still paying down debt**

Megan sums up how it felt:

> "I'm so proud of us and what we've done together, that's a big deal for me. It's a feeling of elation. I can breathe out."

## What is next for them

With the first goal in the rear-view mirror, they have moved on to the next: **saving for a home.** They are using the same MyBudget plan, the same Money Coach relationship, and the same discipline that eliminated $60,000 in credit card debt.

The debt shrank. The habits didn't disappear with it. That is what makes the change stick.

## The lesson

Balance transfers, minimum payments, and "I'll pay it off later" are why so many Australians spend a decade running in place. What broke the cycle for Megan and Creagh wasn't a clever product. It was a plan they didn't have to run alone.

## If you are stuck in the same cycle

- Book a [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/)
- If credit cards are the core problem, see [Credit Card Debt](/scenarios/credit-card-debt/)
- If you are considering consolidation, compare it first: [MyBudget vs debt consolidation](/trust/compare/mybudget-vs-debt-consolidation/)

## Related pages

- [Client success stories](/trust/client-success-stories/) — more real stories from MyBudget clients
- [Debt Management](/services/debt-management/) — the service that cleared five credit cards in 10 months
- [The MyBudget Method](/trust/the-mybudget-method/) — the plan Eleanor built for Megan and Creagh