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Many people find cancer brings extra financial demands. Often income decreases while expenses increase. We know that making a new budget may seem time consuming or stressful on your own. Contact us on 1800 REDKITE (1800 733 548) or and we can connect you with the right support.

how do I make a budget?

A budget is a record of all your income and expenses. Following the steps below, you can get a clearer picture of whether you need to make changes, and where you can make them.

Step 1: Using your bank or credit card statements as a guide, list all your expenses, including:

  • Food and groceries
  • Household bills e.g. electricity, gas, water, internet
  • Medical costs
  • Travel expenses, including car registration and insurance
  • Interest
  • Debt payments

Step 2: Calculate your total income after tax, including:

  • Your salary, including any changes to your employment that might take place during treatment
  • Centrelink or pension payments
  • Investment income

Looking at your budget, you might feel worried about the challenges of your situation. Don’t forget our Redkite team are here with financial help if you need it.

managing your bills

Young people and families facing cancer often tell us that keeping up with bills and other payments is extremely difficult, especially when they’re focusing on getting through cancer treatment. If you think you’re struggling to meet bill payment deadlines or may have fallen behind, there are things you can do.

applying for “financial hardship”

Some companies may extend payment dates or lower bill costs for people experiencing “financial hardship” (which means involuntary, short-term difficulties covering living expenses). When contacting a company about a bill, you may want to ask some financial hardship questions, such as:

  • What’s your financial hardship policy and where can I find it?
  • If I apply for financial hardship, what information do I need to include (e.g. a letter of reference)?

extending or reducing bills

Another option is to ask for an extension or reduction. Here are some questions you can ask:

  • Is it possible to have my bill payment period extended or my bill payments lowered?
  • Do you have policies on how people can manage outstanding bill payments? Where can I find these?

Remember, Redkite is here to help. If you’d like support as you apply for financial hardship, get in touch with our team on 1800 REDKITE (1800 733 548) or

managing home loans and other debts

Like bills, mortgage and other loan repayments can also be a source of financial stress for young people and families facing cancer. If you think you may not be able to cover your mortgage payments during cancer treatment, a good first step is to contact your home loan provider and let them know of your situation. Some home loan providers can offer:

  • A reduction to interest-only payments
  • An extension of your loan term
  • A temporary suspension of payments
  • A freeze on interest

It’s also a good idea to talk to the companies managing any other debts you might have (such as car loans or personal loans) to find out if they have any payment options to help in your situation.


Our Redkite support team is here to help you at this time. Contact us on 1800 REDKITE (1800 733 548) or