Situation guides
🏡 First 90 Days in Australia
A settling map for students, working holiday makers and migrant families who just arrived — from pre-arrival prep to housing, banking, TFN and health cover, in the order it actually happens.
Reading order: before you land → on arrival → housing → bank & TFN → health cover.
① Before you land — the last prep
- What to do with your money before Australia
The residency switch date, asset order, source-of-funds records
② First thing on arrival
- The money map for arriving in Australia
What checklists don't tell you — FX, residency, records
- Settling in — the danger is 'locked-up cash'
Cash flow, not totals — what locks up in the first months
③ Housing — your first contract
- Renting in Australia — the cash that gets locked up first
Bond, advance, temporary stays — the first 6–8 weeks
- Home prices ease, but rents keep rising
The rental market trend — budget for rising rent
④ Bank, credit & tax file number (TFN)
- In Australia your credit starts at zero
Opening an account ≠ credit — the first six months are records
- When does Australian tax start?
TFN, tax residency, and super — the three basics
⑤ Health cover
- OSHC isn't just visa-checklist insurance
Stopping one hospital bill from breaking your settling budget
⑥ When the vocabulary stalls
- Korea–Australia money and tax glossary
TFN, bond, 100 point check, BSB — the 92 terms that land in month one
📚 First 90 days checklist · 🧭 Migration · Study · WHV money map · 🧾 Tax & super basics · Home