Top tips for managing finances when you have CF

What can I do if I’m struggling with debt? 

Debt can build up quickly when managing a long-term health condition like CF, especially during periods of ill health or reduced income. If it feels unmanageable, you’re not alone and support is available. 

Contacting our Helpline or your CF social worker is a great first step to ease the pressure. Don’t worry, getting help won’t usually affect your credit rating, it’s an opportunity to take control and plan ahead. We’ll explain your options clearly and help you decide on a realistic plan, whether that means working in partnership with a debt adviser, talking to creditors, arranging affordable payments or considering formal solutions if that’s best for you. 

What is a budget and why is it helpful? 

A budget is a simple plan that helps you keep track of what money is coming in, and where it all goes. Using the Income Maximisation Service is a great way to start your budget. Together, we’ll explore ways to boost your income, identify unnecessary spending, and spot areas where small changes could free up cash. 

Budgeting doesn’t have to be complicated; try a handwritten list, an easy-to-use app, or an online planner to get started. Budgeting can also help prepare for unexpected costs like hospital stays. Many people find budgeting reduces stress and gives a sense of control. And remember – be kind to yourself! Don’t get disheartened, reach out for help to get you back on track. 

Why do I feel anxious or overwhelmed when dealing with money? 

Money worries often come with feelings of anxiety because they’re closely linked to security, independence, and wellbeing. Limited income and rising costs can all feel out of our control and overwhelming at times. Living with CF often means juggling uncertainty, extra costs, and fluctuating health, which can make keeping track of bills and budgets even harder. 

Breaking things down into small, manageable steps can help.

Support can make a real difference too. Speaking to advisers who understand the financial impact of CF will help you feel less alone and give you practical steps to regain a sense of control.

Here are my top tips to cut bills: 

• Check your deals: Switching energy, broadband or mobile providers can lead to immediate savings. 
• Join the Priority Services Register: It’s free access to extra support from energy and water companies, and in some cases more suitable tariffs. 
• Cut water costs: Switching to a water meter can lower bills, and if you receive certain benefits and use more water because of CF, the WaterSure scheme could save you money. 
• Save energy: Maintain comfort and cut energy costs. Use energy-efficient bulbs, turn appliances off at the plug, use draft excluders and reflective radiator sheets. 
• Use it or lose it: Review streaming platforms, app subscriptions, and memberships regularly. 

• Spread the cost: Ask your local authority to pay Council Tax over 12 months instead of 10 for easier budgeting. 

  Listen to our podcast episode on CF and money