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:

• Track your spending to understand where your money is going
• Saving goals to set, plan, track and manage your savings goals
• MoneySmart Cars app to find out how much a car will really cost you
• Budget planner
• Mortgage calculator
• Financial advice toolkit to find and prepare to meet with a financial adviser

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
• a 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