Planning for the unplanned

25 September 2023

Planning for the unplanned

Are you financially ready for a natural disaster?

With bushfire warnings spreading across Australia as we head into the warmer months, The Salvation Army’s free and confidential financial counselling service Moneycare is urging people to “plan for the unplanned” with a new resource.

Planning for the Unplanned is a free online book that provides practical and financial advice on how to prepare for the upcoming disaster season and includes stories of everyday Aussies who have faced and survived the devastation of natural disasters.

This follows recent reports suggesting a hot and dry summer is on the way, with the Australasian Fire Authorities Council predicting an increased risk of bushfires across the country*.

The Salvation Army has had a key presence in disaster zones for over 50 years. Throughout the Black Summer bushfires alone, the Salvos assisted more than 13,000 people with short and long-term financial, emotional and practical support**.

“The Salvos’; Moneycare service has seen the devastating impact that natural disasters can have on people right around the country. The last few years have been tough, with floods and fires hitting most parts of the country,” said Kristen Hartnett, Head of The Salvation Army’s Moneycare team.

“This is why we developed this new resource. We want people to be prepared and plan for the unplanned, so they can face anything that is thrown their way. So please access our free book online and utilise our practical tips to protect you and your family.”

The book covers a range of areas that will better equip people for the upcoming fire season. Some of these tips include:

  • Understanding insurance
  • Getting financially prepared with a money plan
  • Importance of an emergency fund
  • Creating a “go bag” with essentials for an emergency situation
  • Understanding your rights

“Our hope is that this book will reveal things you are already doing well and shine a light on things you have the power to change. Each person’s financial and physical circumstances are different, so this program is tailored to ensure anyone can feel more able to manage, should they face a disaster,” Ms Hartnett said.

To access a copy of Planning for the Unplanned, or to find out more information about The Salvation Army’s free and confidential Moneycare service, visit

*Australasian Fire Authorities Council Article, 23 August 2023
** Planning for the Unplanned, The Salvation Army 2023

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