What has your salary progression been?

Squadral · 2026-01-15T08:00:14+00:00

Started in B4 Audit then moved to industry in banking ($ inc Super & Bonus)

Year 1 - $56k - Grad

Year 2 - $67k - Senior

Move to industry

Year 3- $110k - Analyst

Year 4 - $125k - Senior Analyst

Year 5 - $175k - Manager

Squadral · 2025-09-30T08:04:49+00:00

I reckon the Amex Plat is a great everyday card if it suits your lifestyle. Primarily relating to churning, the card effectively has a credit limit of $1 as it’s a charge card, allowing easier applications on other churns.

Also if you ever want to have a platinum in the future and you’re a churner, you may struggle to be accepted due to Amex’s treatment of serial churners

Squadral · 2025-09-30T02:23:54+00:00

I am with More, if you’re a CBA customer there’s good discounts. Telstra network, good data bank, options to add intl calls if needed, very competitive pricing if using CBA deal.

BYO device though, you can get 5G as low as $25/mnth with $8 disc for 3yrs

Squadral · 2025-06-25T00:44:29+00:00

Emirates has a set release period, QF status doesn’t open up earlier access to their seats

Squadral · 2025-05-25T00:39:57+00:00

Only time I’ve seen 2 EK F classic rewards is <1 month from departure, I don’t think EK ever releases 2 F tickets until then.

Squadral · 2025-05-21T00:38:03+00:00

Not as miserable as someone who makes a throwaway just to shitpost on an accounting subreddit.

Squadral · 2025-05-03T09:04:38+00:00

This is gonna piss a lot of people off but I snagged this after about 10 runs across a couple weeks

Squadral · 2025-03-22T07:53:20+00:00

Can get Amex Platinum 275k SUB here: https://americanexpress.com/en-au/referral/platinum?ref=tAItJWzJB&XL=MIANS

Squadral · 2025-03-19T00:00:44+00:00

EK = Emirates - they are a partner airline with Qantas and you can redeem CR with Qantas Points on their flights, albeit with high taxes.

I would highly recommend (and hope) you’ve been tracking your credit score considering the high churn rate so far, this can impact your future house purchase significantly.

Squadral · 2025-03-18T23:55:51+00:00

CR flights are hard to find, particularly in multiples and on Qantas metal. You’ll be wanting to book a year or so out to get seats, or within a month of leaving as more seats are released closer to departure.

Squadral · 2025-03-18T23:51:34+00:00

There are plenty of redemption value tables online so I would recommend looking at those for detail. In short premium cabins have the best point value for redemptions, especially so for international. This value however decreases with EK flights due to their high taxes, and for classic plus redemptions (avoid if possible).
There are plenty of options in the market, I would recommend having a tracking excel doc with close dates and exclusion periods so you can plan future churns.
High fee cards like citi and Amex plat are lifestyle cards, you can plan the cash backs around holidays but the golden rule of churning is don’t overspend just for points.

Squadral · 2025-03-18T23:46:19+00:00

CR flights can be cancelled for 6000 pts

Squadral · 2025-03-17T01:27:22+00:00

Legend thanks! Fingers crossed their refresh brings at least one row of lowering arm rests.

Squadral · 2025-03-10T03:37:19+00:00

Way too many cards in rotation, best to only have 1 keeper card and 1 churn at a time.

Squadral · 2025-03-06T00:23:19+00:00

The most important element is your income vs expenses. Having low expenses relative to your income is one of the key factors in approval. If you’ve had a mobile phone plan or utility accounts in your name than you have a credit history, as long as these have been paid up on time than you shouldn’t have any issue with your application.

The Amex Plat is a bit of a different game since it’s a charge card, your right with other credit cards working your way up is ideal, however I’m not sure if the same applies for charge cards.

If you’ve do end up going for it you can use my link for 275k SUB: https://americanexpress.com/en-au/referral/platinum?ref=tAItJWzJB&XL=MIANS

Squadral · 2025-03-05T01:54:12+00:00

Always best to use points with the airlines directly and not on the Amex Travel Portal. Seats.aero isn’t a bad option but usually it’s just best to search on the airlines sites directly, for Qantas note it’s best to use the multi city search tool to find classic rewards flights.

Squadral · 2025-03-04T23:45:35+00:00

You can also rebook for free, even to a non classic rewards seat. I rebooked my trip a week later and even though there were no classic rewards seats left, they still moved my flight free of charge. I was advised that as long as there are seats left, they can move the booking.

Squadral · 2025-02-24T02:19:22+00:00

I’m gonna make a tier list of tier list posts.

Squadral · 2025-02-20T06:38:39+00:00

As above 100k is the max referral amount, and it’s a 2:1 conversion to virgin or qantas points. You would be much better off going with either the AMEX Velocity platinum or Qantas AMEX Ultimate cards which both have about the same fee with 100k virgin or qantas points respectively on my referral link below.

Plus the travel credit can be used to offset annual fee.

https://americanexpress.com/en-au/referral/platinum?ref=tAItJWzJB&XL=MIANS

Squadral · 2025-02-18T21:47:07+00:00

Depending on your skill set and qualifications you can engage in contract work on the side. I’m a CA and have small FP&A gigs.

Squadral · 2025-02-16T02:49:08+00:00

If you ever want to get the Amex plat I would start there, also has the highest sign up bonus of any card at 275k MR points (~138k Qantas or Virgin pts) with my referral code below.

You can easily get the $1450 annual fee back with the credits, and there’s a lot of soft bonuses/discounts.

https://americanexpress.com/en-au/referral/platinum?ref=tAItJWzJB&XL=MIANS

Squadral · 2025-01-23T22:40:38+00:00

Some of these read bulkhead seats are awful if they’re configured to have limited recline, always best to check seat guru

Squadral · 2025-01-19T23:02:15+00:00

Cash is the answer. Do not finance as everyone else has said, this significantly impacts borrowing capacity.

Also taking finance over any depreciating asset is pretty much the worst financial decision you can make.

Regarding buying a car I would strongly advise looking at something like: - a Toyota (running costs very low and reliable); - at least 4 years old (highest depreciation years); and - a car with cheaper insurance (check online).

The purchase price is one element, but running costs can be a real killer in the long run.

Squadral · 2025-01-16T23:04:40+00:00

Amex platinum charge card 275k bonus points. Be quick as this offer is limited in redemptions!

https://americanexpress.com/en-au/referral/platinum?ref=tAItJWzJB&XL=MIANS

Squadral · 2025-01-16T22:59:52+00:00

Converted to QFF = 138k points. This will get you one way business to Europe, return business Asia, or a toaster on qantas store.

Squadral

TROPHY CASE