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.

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.
  • Stepping out card

    Register for a Stepping Out workshop

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