Manage finances

Staying on top of your finances can be a key enabler to living well. If you have served, it can be common to get into debt post-ADF due to unexpected civilian expenses.

Money Smart

The Australian Securities and Investments Commission's (ASIC's) MoneySmart service helps people make the most of their money. The site offers a range of useful tools and resources including:

ADF Financial Services Consumer Centre

The ADF Financial Services Consumer Centre (ADF Consumer) provides financial and consumer education for ADF members. The site contains useful resources such as:

  • information on superannuation schemes for ADF members
  • financial advice referral program that lists financial advisors with no remuneration-based conflicts of interest

Head to Health finances

Mental health and financial safety are strongly linked. Experiencing a mental illness can add to financial stresses, and financial stresses can add to a mental illness.

Head to Health has some great resources to help with managing financial stress.

Bravery Trust

If you are in a crisis, Bravery Trust can provide emergency financial relief for essentials such as food, rent, bills, education, clothing and transport.

Bravery Trust provides emergency financial relief to serving & ex-serving members of the Australian Defence Force who have a serious injury or illness as a result of their service.

Bravery Trust also provides veteran specific financial counselling. The free, confidential service provides advice & assistance about debts, creating a budget & negotiating with creditors on your behalf.

See also

  • Thriving civilian

    Thriving in civilian life

    New opportunities and unique challenges will present themselves. Whether it's a month or a year since you left the ADF, it pays to know what help is available.
  • two people walking

    Register for a Stepping Out workshop

    Stepping Out is one of our most popular workshops, designed specifically for ADF personnel transitioning to civilian life.
  • work with us

    Open Arms counselling

    Open Arms counsellors and staff have an understanding of veteran and military culture that assists them to deliver specialised support and care to members of this community.