• Person holding a book titled 'The mandy money book' the all-in-one ✨illustrated✨ roadmap for aussie teenagers to transitioning into the real world of money
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The Mandy Money Book: Your Real World Money Guide

The Mandy Money Book: Your Real World Money Guide

$69.00 AUD
$69.00 AUD
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Your all-in-one ✨illustrated✨ roadmap to transitioning into the real world of money and life admin
  • Perfect For High School or Uni Students
  • Illustrated Concepts For Easy Learning
  • 169+ Real World Money Explainers

In this Mandy Money book, you'll find (pretty much) every single thing you need to know about your money before you tackle the ‘real-world’.

Learning about your money, including the maths and boring bits, will unlock a level of freedom that will change your life. Being 'in the know about your dough' (as we like to put it at Mandy Money), is the most powerful way to put control of your life and future into your hands. 

The Research 👇

Managing money is getting more complex. Rising living costs, dopamine-driven spending temptations, invisible digital money, information overwhelm, unclear investing pathways, constant red tape, scams, and ethical red flags around every corner... All while trying to navigate increasingly complicated financial systems.

It's no surprise that over 70% of Gen Z say they’re stressed about money, and nearly 1 in 5 have skipped meals or missed bills because they couldn’t afford them.

At the same time, experts agree that young people today have less room for trial and error, meaning early mistakes can have longer-lasting consequences than generations before.

That’s why having The Mandy Money Book on your side gives you a serious advantage. It's the all-in-one real world money guide that holds your hand through every single money interaction you will face as you transition from school into adulthood. Fully illustrated… Less words and more colour means less headache and more action as you make good money decisions, avoid dangerous consequences and learn how to navigate the complex world of money and life admin.

Is it perfect for me? 👇

Are you (or someone you know) currently transitioning from high school into the real world of money and life admin? Is the wide, complicated, and untrustworthy world of internet not giving you what you need?

Then yes, The Mandy Money Book is perfect for you. It's the ultimate companion to guide you through this transition period with peace, clarity and confidence.

Mandy Money, Your Money Smart Friend 🤠

Shipping & Returns 👇

📦 Free shipping on orders over $90

  • Orders processed within 1-2 business days.
  • Regular postage: 3-9 business days
  • Express post: 1-2 business days

Returns?

We want you to love your books, but if something’s not quite right, we’re here to help.

Change of Mind: As we’re a small local publishing house, we don’t offer refunds for change of mind. But if your book isn’t what you expected, get in touch - we’ll do our best to make it right.

Damaged or Incorrect Orders: Oh no! If your book arrives damaged or you received the wrong item, let us know within 14 days of delivery. We’ll replace it or refund you, your choice.

Email us at hello@mandymoney.com.au with your order number, a photo (if applicable), and a quick note about what went wrong.

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What Will I Learn?

Money & You 🤠

  1. The Big Question... What Actually Is Money?
  2. What Does It Mean To “Learn About Money”?
  3. Why Is Learning About Money Important?
  4. How Does Money Impact My Mental Health?
  5. What Shapes My Money Mindset?
  6. What Does A Healthy Money Mindset Look Like?
  7. How Do I Build A Healthy Relationship With Money?
  8. Where Do I Go & Who Do I Ask For Help With My Money?
  9. How Does Money Contribute To An Unequal World?
  10. How Does Economic Policy Play A Role In Creating Equity?
  11. How Do We Solve Social Inequalities
  12. Using The IEEJ Scale?
  13. How Can My Money Make A Difference?
  14. What Rights Do I Have As a Consumer?
  15. What Are My Gambling Odds?
  16. How Do I Spot Scams & Fraud?
  17. What Can I Do To Avoid Scams?
  18. How Do I Use MyGov & MyID?
  19. How Do I Organise My Money & Admin Life?

Careers & Employment 🎓

  1. What Career Options Are Available To Me?
  2. What Job Or Career Should I Choose?
  3. How Do Study Loans Work?
  4. How Does The Process Of Getting a Job Work?
  5. How Do I Put Together an A-Class Resume?
  6. How Do I Write an A-Class Cover Letter?
  7. How Do I Prep For Job Interview Questions?
  8. How Do I Ace My Job Interview?
  9. How Do I Communicate Who I Am In 30 Seconds?
  10. What Skills Will I Need For The Future Of Work?
  11. What Do I Need To Look For Before Signing My Job Contract?
  12. How Is My Pay Check Impacted by Tax & Super?
  13. What Admin Obligations Do I Have When Starting a New Job?
  14. How Do I Interpret My PaySlip?

Super & Retirement ⭐️

  1. How Does Australia's Superannuation System Work?
  2. What Is The Super Guarantee?
  3. How Does The Super Guarantee Maths Work?
  4. What Are The Pros & Cons Of Super In Australia?
  5. What Actually Is a Super Fund?
  6. How Does Super Fund Investment Work?
  7. How Do Super Returns & Fees Impact My Super?
  8. How Do I Calculate Net Returns?
  9. How Do I Research For a Super Fund?
  10. How Do I Compare Super Funds?
  11. How Do I Apply For a New Super Fund?
  12. How Do I Pick My Super Fund Investment Options?

Tax & Tax Returns 💰

  1. What Actually Is Tax?
  2. How Does Tax Work?
  3. How Is Tax Used In Economics?
  4. What Are Your Thoughts On Tax?
  5. What is Income Tax?
  6. How Does Tax Impact My Job?
  7. How Does The Progressive Tax System Work?
  8. What Documents Do I Need To Sort My Tax?
  9. How Do Tax Returns Work?
  10. How Can I Lower My Tax Bill Through Deductions?
  11. What's The Difference Between a Tax Bill & Return?
  12. How Do I Actually Submit a Tax Return?

Budgeting 🌈

  1. What Actually Is Budgeting?
  2. What Is My Personal Financial Ecosystem?
  3. Why Am I Budgeting At School?
  4. Why Does Budgeting Become Important Once I Leave School?
  5. If I Earn Enough, Surely I Don’t Need To Budget?
  6. What Budgeting Maths Do I Need?
  7. How Do I Structure a Budget Plan?
  8. How Do I Use Excel To Budget Plan?
  9. How Do I Build A Weekly Budget?
  10. How Do I Build a Monthly Budget?
  11. How Do I Build a Long Term Budget?
  12. How Do I Budget When Things Don’t Go To Plan?
  13. How Do I Interpret Banking Data?
  14. How Do I Review My Budget?
  15. What Are Fixed & Variable Expenses?
  16. How Do I Build Fixed & Variable Expenses Into My Budget?
  17. How Do I Level Up My Ecosystem?
  18. How Do I Build a Year-Long Budget?
  19. How Do I Use My Budget In Real Life?
  20. Can I See A Budget In Action?

Spending, Saving & Real World 🌎

  1. Why Does Saving Even Matter?
  2. How Do I Set SMART Savings Goals?
  3. How Do I Build Savings Into My Budget?
  4. How Do I Become Better At Saving?
  5. How Do I *Actually* Stick To My Goals?
  6. How Do I Figure Out My North Star, My Purpose?
  7. What Expenses Will I Have At Different Life Stages?
  8. How Do I Predict & Plan My Expenses?
  9. Do I Need It Or Want It? Should I Buy It?
  10. How Do I Track My Spending?
  11. How Do I Interpret Shopping Prices?
  12. How Do Make Purchase Decisions?
  13. How Do I Shop Online Responsibly?
  14. How Can I Reduce My Spending?
  15. What Is Insurance?
  16. How Do I Buy A Car?
  17. How Much Does It Cost To Own & Insure a Car?
  18. What Is The True Cost Of Car Ownership?
  19. How Do I Pay For Health Services?
  20. What Is Private Health Insurance?
  21. How Do I Buy Tech?
  22. How Do I Choose A Phone Plan?
  23. How Much Does It Cost To Travel?
  24. How Do I Set-Up a Holiday Budget?
  25. How Do Exchange Rates Impact My Travels?
  26. How Do I Travel Smart?

Investing & Shares ⚡️

  1. What Actually Is Investing?
  2. Why Is Investing Worth My Time?
  3. How Do Key Investing Concepts & Terms Fit Together?
  4. What Does Investing Look Like At Different Life Stages?
  5. What Are Shares?
  6. What Is The Share Market?
  7. How Can Shares Earn Me Money?
  8. How Do Shares Change Value?
  9. How Do I Choose Shares To Buy?
  10. When Do I Buy & Sell Shares?
  11. How Do I Measure an Investment’s Performance?
  12. How Do I Make Sense Of Investing Numbers?
  13. How Risky Is My Investment?
  14. What About Crypto Currency?
  15. What Is a Diverse Investment Portfolio?
  16. What Is an Investment Fund?
  17. How Do I Invest Into a Fund?
  18. How Do I Interpret Investing News?

Interest & Financial Products 🧬

  1. What Actually Is Interest?
  2. How Does A Bank Work?
  3. How Do Interest Rates Impact Inflation?
  4. How Are Interest Rates Decided?
  5. What’s The Difference Between Compound & Simple Interest?
  6. How Do I Calculate Compound Interest?
  7. How Is Interest Both “Good” and “Bad”?
  8. How Do I Choose Whether To Invest Or Pay Off Debt?
  9. What Are Financial Products?
  10. What Financial Products Help Me Grow My Money?
  11. What’s a Neutral Product That Lets Me Store Money?
  12. Which Products Do I Choose For My Ecosystem?
  13. Why Are Banks Useful & Which One Do I Choose?
  14. How Do Bank Accounts Work?

Dealing with Debt 💥

  1. What Actually Is Debt?
  2. When Do I Use Debt? When Do I Not?
  3. What Are Principle, Interest, Fees When It Comes To Debt?
  4. What Is A Credit Score And Why Does It Matter?
  5. How Can I Be Smart With Debt?
  6. How Do I Recover From Debt?
  7. How Do Bank Loans Work?
  8. How Do I Get The Best Deal For A Bank Loan?
  9. How Do Credit Cards Work?
  10. How Does Buy Now Pay Later Work?
  11. How Do Pay Day Loans Work?
  12. How Do I Choose The Right Debt?

Wealth & Property 🌱

  1. How Much Does It Cost To Move Out Of Home?
  2. How Do I Move Out Of Home?
  3. How Do I Pay & Split Bills With Housemates?
  4. Should I Buy My Home Or Rent?
  5. What Is The Property Market?
  6. How Do I Buy a Property?
  7. How Do Investment Properties Work?
  8. How Do I Choose An Investment Property?
  9. What Actually Is Wealth?
  10. How Does Wealth Building Work?
  11. How Do I Begin My Wealth Building Journey?
  12. How Do My Choices Impact My Long Term Financial Freedom?
  13. Is Being Employed The Only Way To Make Money?
  14. How Can I Make Extra Money?
  15. How Do I Build An Entrepreneurial Mindset?
  16. Why Is Delayed Gratification The Key To Wealth?

Everything you need in one place

A-Z Concepts

Everything you wish you learnt at school? Ye, it's in The Mandy Money Book! 168 money questions, answered... You've got support for pretty much every single interaction with money you'll have as you head out into the real world.

No Pointless theory

Real World Relevant

It's not just a bucketload of numbers and theory that will hopefully be useful one day. It's a set of super short, snappy, direct answers to 168 money questions you *will* find yourself asking over the next few years.

Convert Knowledge into action

Action Focused

Learning is fun, but action is functional. At the end of each section is an achievable 1% action step you can take to set yourself on a pathway to a financially secure future.

Headache Free Learning

Visual & Friendly

Money can be boring... That's why Mandy exists! The Mandy Money Book has colour and uncomplicated language to simplify money, making it enjoyable to learn about what is actually a fascinating topic.

Central education source

Trustworthy Education

We've been around over half a decade, helping financially empower thousands of young Aussies through our programs and resources. We only state facts and help you develop the right questioning & thinking processes to empower YOU to make good decisions.

Everyone's Favourite Money Smart Friend 🤠

  • "So helpful for an absolute nuff like myself. One stop shop for all that I’d need to know."

  • "Have been avoiding dealing with my money for so long and this made it so simple and clear and uncomplicated. Super cool visuals!"

  • "Thank you so much - I'm sure all the practical tips will be handy during internship next year and beyond!!!"

  • "Thank you so much, GENUINELY so helpful for a clueless lil gal like me"

  • "Money isn't as complicated as I thought! It was really helpful and relevant to learn more about where our money goes when we pay tax and tips on how to spend money effectively."

  • "Thanks so much, The Mandy Money Book is super informative and accessible!"

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Why We Created The Mandy Money Book 🧐

When our founders left school, they thought they were ready for “real life.” But even with commerce degrees under their belt, they realised they had never been taught how to actually manage their own money. And there’s no guarantee you will learn it either - not at school, not at uni, not even in your first job.

And that sucks, because not being able to deal with your own money has some pretty terrible consequences. Nearly 1 in 5 young Aussies have skipped meals or missed bills because they couldn’t afford them, and financial stress is one of the biggest reasons people stay stuck in unsafe jobs or living situations. It can wreck your credit score, make it harder to rent a place, and turn every unexpected cost into a crisis. But on the flip side, being on top of your finances has some pretty incredible rewards... Less stress, more freedom, and way more options in life. It means being able to move out when you want to, travel, invest in things you care about, and say “yes” to opportunities without panicking about your bank balance.

We made The Mandy Money Book to give young Aussies the head start we wish we all had, so they can step into adulthood confident, capable, and ready for whatever the money world throws at them.

Plus, you get stickers!!

  • Money & You

  • Getting a Job

  • Starting Your New Job

  • Meet ‘Super’

  • Choosing a Super Fund

  • Meet ‘Tax’

  • Doing Your Tax Return

  • Setting Up a Budget

  • Using Your Budget

  • Setting Up Your Savings

  • Smart Spending

  • *Adult* Expenses

  • Intro To ‘Investing’

  • Understanding ‘Shares’

  • Smart Investing

  • Meet ‘Interest’

  • Financial Products

  • Meet ‘Debt’

  • Types Of Debt

  • Property

  • Building ‘Wealth’

  • The Big Picture

  • Staying Safe & Smart

  • Taking Action

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The Mandy Money Book: Your Real World Money Guide
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Want to get the full School Leaver's Bundle? You'll also get a copy of ✨Thriving In The Deep End✨

Thriving In The Deep End prepares you for big life decisions as you transition out of high school. It's less about money and admin and more about the real stuff that shapes who you are and where you’re going. Learn how to kick-start your career, stand out in job applications, and explore opportunities like volunteering or a gap year. Build skills to manage stress, protect your mental health, and take care of yourself through big changes. From finding your identity to understanding your role in the world (including voting and getting involved) this is a book you’ll come back to whenever you need clarity, direction, or a boost of confidence.

Buy the bundle 👇

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Mandy Money

School Leaver's Bundle 📦

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