How we help

Financial Education

Bravery Trust’s Financial Fitness program helps veterans and their families to be financially fit and avoid hardship through education about money and financial products. We can work with individuals or present to groups and tailor our work to meet the specific needs of the group or family we are working with.

Bravery Trust

Financial fitness is important

The benefits of physical exercise are well known across the Defence Force in terms of supporting mental and physical wellbeing, but financial fitness can be overlooked or pushed aside.

Our Financial Fitness program provides one-on-one or group support to build confidence and new skills, growing capability when it comes to finances. Our ‘financial fitness mentors’ provide longer term advice and support to veterans and family members with new financial behaviours as they adjust to tighter budgets.

Program pillars:

Financial mentoring

Individualised one-on-one mentoring support to help veterans and their families develop money management skills, understand spending leaks and implement new financial habits.   We can help track spending, find ways to reduce costs and, importantly, link veterans with other services which will help them achieve their goals.


Working proactively to encourage earlier conversations about finances amongst veterans and their families. We work collaboratively with other agencies and present to large and small groups to initiate conversations about finances and help veterans improve their financial fitness at all stages of life.

Let’s talk about the “F” word

Removing the stigma around financial conversations. We call it our “F” word. We use the “F” word every day, working to normalise conversations about financial challenges so veterans feel empowered to reach out early when circumstances change, or when things go off track. Earlier conversations can reduce the stress and impact of hardship.

Don’t get caught off guard

Transitioning to civilian life can be more expensive than you think. Key areas which catch transitioning veterans off guard include:

Rent/bond market rates vs ADF subsidised housing

Travel to work, parking, uniform, study, tools

Gym memberships, sports club team fees

Full cost utilities which have been subsidised whilst serving

I had a roof, I could keep the lights on and keep the heat on … with that taken care of, I could make sure that I was present for my husband, which I needed to be.

Kristine Colliver

South Australia

There are 3 ways to get started

Get in touch directly

Call 1800 BRAVERY (1800 272 837) or email

Request a call back

You can select a call back time window that suits you best.

Apply online

You can always talk to us if you need more help.

Financial Resource Library

Learn more about how to avoid financial pitfalls, manage debt and head to financial wellness.

How to ask Bravery Trust for financial support

Financial Counselling Factsheet

How to avoid disconnection

Energy Factsheet

How to avoid out-of-control debts

Credit Reporting Factsheet

Debt Control Factsheet

How to keep your car costs in check and avoid repossession

Car Repossession Factsheet

Cat Loan Factsheet

How to maintain housing costs and keep a roof over your head

Housing Factsheet

How to head to financial fitness

Concessional Factsheet

Budgeting Factsheet

Useful links

Energy concessions information by state

Supporting Those Who Serve

Bravery Trust
Bravery Trust