REAL-LIFE MONEY SKILLS SERIES
Student Workbook
Can I Afford to Leave Home?
Work through the money, costs and everyday
decisions behind moving out - one practical step
at a time.
For young Australians aged 15-20.
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Learn how earnings, tax, super and other income work.
Understand your income
Research real costs
Practice independence
Decide your next step
Find out what it actually costs to live out of home in Australia.
Build everyday money skills and confidence step by step.
Review your evidence and choose a realistic path forward.
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01 Where Am I Starting
Learn how earnings, tax, super and other income work.
03 Building My Money System
Develop a practical plan for allocating your money.
02 Understanding My Income
Make sense of payslips, tax, super dependable income.
06 Sharing a Home
Think through shared costs, expectations & responsibilities.
04 Protecting My Money Plan
Identify pressure points & plan safeguards.
07 The Independence Trial
Practice your plan over four weeks & make adjustments.
05 What Life Actually Costs
Research moving costs, everyday expenses & affordability.
08 Am I Ready?
Review the evidence & choose a realistic next step.
A four-week practical trial helps you test your money plan & everyday responsibilities while you still have room to adjust.
Put your plan into practice
Review what happens
Make changes before you move out
Practical activities, worked examples and space to build your own plan.
Read examples, research your own costs, complete the activities and return to your plan as your circumstances change.
Practical write-in activities
Activities & reflection questions to apply to your own situation.
Australian context
Examples & information relevant to living in Australia.
Optional Parent Companion
A companion resource to support conversation at home.