Real-Life Money Skills Series

Moving out takes more than a budget.

Practical money skills for young Australians preparing for independent life. Explore the Student Workbook and Parent Companion, with tools to help you understand your income, plan for real costs and decide when you’re ready to move out.

Explore the Series

Practical support for the next step

Preparing to leave home involves money, everyday responsibilities and plenty of decisions. Explore practical resources for young people and the parents and educators supporting them.

For Young People

For Parents & Carers

For Schools & Learning Settings

Student Workbook

Parent Companion

For Educators

Understand your income, plan for everyday costs and test whether moving out is affordable. Practical activities help you build a plan for independent life.

Support their next step with practical conversations about money, responsibilities and readiness. Help your young person develop their own plan and take increasing ownership of decisions.

An educator resource is in development to support teaching financial literacy and independent living skills alongside the Student Workbook. Further details will be added as it takes shape.

Practical support for the next step

Understand your money

Plan for real costs

Prepare for independent life

Test your readiness

Make sense of income, payslips, tax and super, and understand what you have available to spend.

Work through upfront moving costs and everyday expenses, including rent, food, bills and transport.

Think through everyday responsibilities, shared living, support networks and looking after yourself.

Try realistic scenarios, consider unexpected costs and build a plan with backup options.

Not sure where to start?

How will I know if I'm ready?

What will living out of home actually cost?

What questions should I be asking?

___

___

___

You don’t need to have every answer before you begin. Money Before You Move Out helps you work through the questions, explore your options and build a practical plan—one step at a time.