Useful Links
Managing big financial steps like a mortgage, credit card, or rental can sometimes feel harder without a steady income, especially while also balancing health needs. The good news is there are resources out there to make these processes easier. Below are some key financial topics that may come up, along with simple explanations and links to further support. If you’d like to explore more about financial considerations for people with CF, these links are a great place to start.
Credit
Credit cards and loans can help in the short term but come with long-term responsibility. Understanding interest, repayments, and your credit score makes it easier to stay in control.
Credit cards – Moneysmart.gov.au
Finder – Compare Credit Cards
Your credit score
Your credit score is like a snapshot of how you’ve managed debt in the past. Late payments, lots of applications, or high credit use can lower your score. A healthy score makes it easier to get loans or rentals approved.
Equifax – Check Your Credit Score
MoneySmart – Credit Scores
Choosing and using credit wisely
Look for low interest rates and minimal fees. Tools like MoneySmart can help you compare options.
MoneySmart – Compare Credit Cards
National Debt Helpline
MoneyMinded – Debt Resources
Loans and Debt
Loans can make sense for bigger needs like study or a car, but payday loans or “quick cash” loans often create stress.
MoneySmart – Loans
National Debt Helpline – Personal Loans Info
MoneyMinded – Budgeting and Debt Tools
Scams and Fraud Prevention
People with chronic conditions are sometimes targeted by scams. Watch out for suspicious emails, texts, or calls pretending to be from banks or the ATO.
Scamwatch – Report and Learn About Scams
Australian Cyber Security Centre – Online Safety
IDCARE – Identity Recovery Support
MoneySmart – Scams
Tenancy (Renting 101)
Safe housing is especially important when you’re managing your health. Read leases carefully to understand rent, bond, and maintenance. You can also ask about modifications (like extra storage or air purifiers) to support health needs.
Consumer Protection WA – Renting
Equal Opportunity Commission WA – Disability Access
Where to get help with rent or bond payments
Department of Communities – Bond Assistance WA
Centrelink Rent Assistance
Anglicare WA – Financial Support
St Vincent de Paul WA – Emergency Relief