Money Sorted. Life Ready.
Budget Right for Teens & Young Adults
What if someone had taught you money before life taught you the hard way?
Most young people leave school with years of education behind them, but with little understanding of how to manage money in everyday life.
Money Sorted. Life Ready. is a practical financial literacy workbook designed to help teens and young adults build healthy money habits before financial stress becomes part of everyday life.
Whether you’re earning your first pay cheque, studying, starting an apprenticeship, heading to university, or beginning your career, this book will give you the real-life money skills you need to build confidence, freedom and financial wellbeing.
Written by Australian author, speaker, budgeting coach and money mindset educator Carrie-Ann McLean, this workbook combines practical strategies, relatable stories, workbook activities and easy-to-follow exercises that help you understand money without the confusing financial jargon.
Inside you’ll learn how to:
- Understand your money mindset and spending habits
- Stop living pay cheque to pay cheque
- Track where your money is really going
- Set financial goals that actually motivate you
- Build an emergency buffer – even on a small income
- Use the Budget Right 70/10/10/10 budgeting system
- Set up bank accounts that make managing money simple
- Avoid debt traps, credit card debt and Buy Now, Pay Later pitfalls
- Make smarter spending decisions without missing out
- Create a simple money plan that works for your life
Packed with practical tools, including:
- 15 easy-to-follow chapters
- Workbook activities and reflection exercises
- Budget worksheets
- Spending trackers
- Goal-setting templates
- Journal and notes pages
- Real-life examples featuring Mia and Tina
- Action plans you can start using immediately
Perfect for:
- High school students
- School leavers
- Apprentices and trainees
- University and TAFE students
- Young adults entering the workforce
- Parents teaching financial literacy
- Schools, youth organisations and community groups
Unlike many personal finance books, Money Sorted. Life Ready. doesn’t expect you to already understand money.
It starts where you are.
With practical guidance, encouraging advice and simple step-by-step strategies, you’ll learn how to take control of your money, reduce financial stress and build habits that will benefit you for life.
Carrie-Ann McLean learned many of these lessons through her own experiences with debt, financial stress and rebuilding her life. Today, she helps everyday Australians develop the confidence and skills to create stronger financial futures through practical, judgement-free money education.
Money sorted. Life ready.
Let’s go.







