Ms Watt has been involved in charity organisations for most of her life; she started the "Hands on Care" program for the Berry Masonic Village, and has been personally donating blankets and clothes to the homeless citizens of Nowra.

"I got in touch with the Red Cross in 1998," Ms. Watt said.

"And they used to come in and supply the Hand's on Care Program.

"I had to pull out of it, because I had a bad accident with my leg a few years back. I'll be 90 next birthday, so I have to slow down a little bit."

Ms Watt has been helping others since she was teenager, and attributes her passion for charity work to her parents.

She said her mother was community-minded and used to feed half the neighborhood.

Ms. Watt's father was a local policeman, who didn't always agree with her early civic contributions.

"When I was younger, I used to go to the minister's place and we'd climb up the fruit trees, my girlfriend and I, and we'd pick the peaches, and we'd take it down to Mrs Moon, poor old lady," she said.

"I was only 15 then, and the minister used to watch me out the window, and I didn't know.

"Dad came home one night and he said 'How'd the peaches go today? Isn't this lovely, someone charged in the station and said my daughters' out thieving peaches from someone else's tree.'

And I said, 'I'm not thieving them, I'm giving them to someone else'."

Read more:

Currently, Ms Watt is the Berry Red Cross' Trauma Teddy Co-Ordinator.

She knits-and teaches others to knit-stuffed bears for local doctors, dental surgeries, hospitals and ambulance stations.

She also works closely with the Salt Missionaries Church in Bomaderry, still collecting and distributing blankets for those in need.

"People don't realise that the Shoalhaven's the worse area in NSW for homelessness," she said.

"Some of them are homeless because that's their way of life, or because they're on drugs, or for circumstances out of their control. You sit and listen to their stories.

"I don't think the government are doing enough in any area of homelessness.

"It's sad, and I'm not the only one who feels that way."

Ms Watt was awarded for her service on September 4, by Red Cross zone 7 representative Jenny Edwards, to the delight of the Berry Red Cross branch.