{"title":"Financial Foundations","description":"\u003cp\u003eThe \u003cem data-start=\"47\" data-end=\"86\"\u003eBuilding Strong Financial Foundations\u003c\/em\u003e series introduces young readers to the essential building blocks of money management. Through practical examples, relatable stories, and easy-to-understand explanations, these books help readers develop everyday financial skills and confidence from an early age. Covering core topics such as saving, spending, and tax, the series also builds an understanding of important financial and economic concepts while introducing the language of money in a clear and accessible way. By connecting financial ideas to real-life situations, the series encourages thoughtful decision-making, responsible habits, and a strong foundation for future learning\u003c\/p\u003e","products":[{"product_id":"s","title":"Saving","description":"\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003ci\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eSaving\u003c\/span\u003e\u003c\/i\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003e is a practical, easy-to-understand guide for readers who are ready to take charge of their money. Packed with real-world examples, thoughtful questions, and friendly explanations, this book helps to learn the value of setting goals, making plans, and thinking ahead.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eFrom understanding why prices rise (and what inflation really means) to building an emergency fund and resisting impulse buys, \u003ci\u003eSaving\u003c\/i\u003e provides the tools to make smart choices, now and in the future.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45114955104279,"sku":null,"price":23.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Saving_coverimage.jpg?v=1780896182"},{"product_id":"spending","title":"Spending","description":"\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003ci\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eSpending \u003c\/span\u003e\u003c\/i\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eis a practical, easy-to-understand guide to making smarter money choices. Packed with real-world examples, thoughtful questions, and friendly explanations, this book helps develop an understanding of how prices work, how money flows out, and how to stay in control of spending.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eFrom smart shopping and budgeting, to paying with credit, spotting tricks that push us to spend more, and understanding consumer protections, \u003ci\u003eSpending\u003c\/i\u003e provides tools to spend with purpose, confidence, and care\u003c\/span\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003e.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45114961559575,"sku":null,"price":23.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Spending_coverimage.jpg?v=1780896144"},{"product_id":"tax","title":"Tax","description":"\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003ci\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eTax\u003c\/span\u003e\u003c\/i\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003e is a practical, easy-to-understand guide for readers who want to understand where tax money goes, why governments collect it, and how it affects everyday life. Packed with real-world examples, thoughtful questions, and friendly explanations, this book helps kids build confidence in one of the most important systems in modern society.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" align=\"center\" style=\"text-align: left;\"\u003e\u003cspan style=\"color: rgb(0, 0, 0);\"\u003e\u003cspan style=\"font-size: 14pt; line-height: 107%;\"\u003eFrom learning how income tax and GST work to understanding payslips, tax returns, deductions, and why trust matters in the tax system, \u003ci\u003eTax\u003c\/i\u003e builds the knowledge and skills to make sense of money, citizenship, and the world around them.\u003c\/span\u003e\u003c\/span\u003e\u003cspan style=\"font-size: 14.0pt; line-height: 107%; color: white; mso-themecolor: background1;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45114977583127,"sku":null,"price":23.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Tax_coverimage.jpg?v=1778032776"},{"product_id":"digital-product","title":"Saving WORKSHEET 1","description":"\u003ch3 data-start=\"444\" data-end=\"502\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"448\" data-end=\"502\"\u003eSaving Worksheet 1: Understanding Saving Decisions\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"504\" data-end=\"646\"\u003eBuild deeper financial understanding with this printable worksheet from the \u003cem data-start=\"580\" data-end=\"588\"\u003eSaving\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"648\" data-end=\"1045\"\u003eThis first worksheet is designed to help students explore what saving really means, moving beyond simple definitions to examine values, trade-offs, opportunity cost, and the real-life factors that shape money decisions. Through scenarios, agree\/disagree questions, matching activities, and reflective responses, learners develop a stronger understanding of how saving connects to everyday choices.\u003c\/p\u003e\n\u003cp data-start=\"1047\" data-end=\"1304\"\u003eStudents will explore ideas such as income, financial goals, opportunity cost, and the difference between short-term wants and longer-term priorities. They will also consider how family, culture, and personal circumstances can influence financial behaviour.\u003c\/p\u003e\n\u003cp data-start=\"1306\" data-end=\"1315\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1316\" data-end=\"1453\"\u003e\n\u003cli data-start=\"1316\" data-end=\"1335\"\u003eStudent worksheet\u003c\/li\u003e\n\u003cli data-start=\"1336\" data-end=\"1379\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1380\" data-end=\"1453\"\u003eIdeal for classroom discussion, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1455\" data-end=\"1553\"\u003eDesigned to be used alongside \u003cem data-start=\"1485\" data-end=\"1493\"\u003eSaving\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1555\" data-end=\"1587\"\u003e\u003cstrong data-start=\"1555\" data-end=\"1566\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118843879447,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORKSHEET1.jpg?v=1780896004"},{"product_id":"digital-product-1","title":"Saving WORKSHEET 2","description":"\u003ch3 data-start=\"469\" data-end=\"523\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"473\" data-end=\"523\"\u003eSaving Worksheet 2: Applying Saving Strategies\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"525\" data-end=\"679\"\u003eHelp students put financial concepts into action with this practical worksheet from the \u003cem data-start=\"613\" data-end=\"621\"\u003eSaving\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"681\" data-end=\"974\"\u003eThis second worksheet challenges learners to apply key saving concepts in realistic everyday situations. Through goal-setting scenarios, spending decisions, trade-offs, emergency planning, and real-life money choices, students build the confidence to use financial knowledge in practical ways.\u003c\/p\u003e\n\u003cp data-start=\"976\" data-end=\"1005\"\u003eStudents will explore how to:\u003c\/p\u003e\n\u003cul data-start=\"1006\" data-end=\"1243\"\u003e\n\u003cli data-start=\"1006\" data-end=\"1046\"\u003eSet and work towards financial goals\u003c\/li\u003e\n\u003cli data-start=\"1047\" data-end=\"1101\"\u003eBalance short-term wants with long-term priorities\u003c\/li\u003e\n\u003cli data-start=\"1102\" data-end=\"1148\"\u003eUnderstand trade-offs and opportunity cost\u003c\/li\u003e\n\u003cli data-start=\"1149\" data-end=\"1198\"\u003eBuild saving habits and financial consistency\u003c\/li\u003e\n\u003cli data-start=\"1199\" data-end=\"1243\"\u003eRecognise the value of emergency savings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1245\" data-end=\"1254\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1255\" data-end=\"1412\"\u003e\n\u003cli data-start=\"1255\" data-end=\"1299\"\u003eStudent worksheet activities and scenarios\u003c\/li\u003e\n\u003cli data-start=\"1300\" data-end=\"1343\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1344\" data-end=\"1412\"\u003eIdeal for classroom learning, independent study, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1414\" data-end=\"1512\"\u003eDesigned to be used alongside \u003cem data-start=\"1444\" data-end=\"1452\"\u003eSaving\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1514\" data-end=\"1655\"\u003e\u003cstrong data-start=\"1514\" data-end=\"1525\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118853021719,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORKSHEET2.jpg?v=1780895971"},{"product_id":"digital-product-2","title":"Saving WORKSHEET 3","description":"\u003ch3 data-start=\"650\" data-end=\"708\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"654\" data-end=\"708\"\u003eSaving Worksheet 3: Personalising Your Saving Plan\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"710\" data-end=\"876\"\u003eHelp students connect financial learning to their own lives with this reflective worksheet from the \u003cem data-start=\"810\" data-end=\"818\"\u003eSaving\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"878\" data-end=\"1124\"\u003eThis third worksheet encourages learners to think personally about money, goals, and habits. Students reflect on their current saving behaviour, identify something meaningful they want to save for, and create a realistic plan to reach their goal.\u003c\/p\u003e\n\u003cp data-start=\"1126\" data-end=\"1200\"\u003eThrough guided questions and real-world reflection, students will explore:\u003c\/p\u003e\n\u003cul data-start=\"1201\" data-end=\"1475\"\u003e\n\u003cli data-start=\"1201\" data-end=\"1247\"\u003eTheir current saving habits and challenges\u003c\/li\u003e\n\u003cli data-start=\"1248\" data-end=\"1291\"\u003ePersonal financial goals and timeframes\u003c\/li\u003e\n\u003cli data-start=\"1292\" data-end=\"1332\"\u003eIncome sources and saving strategies\u003c\/li\u003e\n\u003cli data-start=\"1333\" data-end=\"1368\"\u003eOpportunity cost and trade-offs\u003c\/li\u003e\n\u003cli data-start=\"1369\" data-end=\"1436\"\u003eHow emergencies or unexpected events can affect financial plans\u003c\/li\u003e\n\u003cli data-start=\"1437\" data-end=\"1475\"\u003eThe long-term impact of money habits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1477\" data-end=\"1486\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1487\" data-end=\"1674\"\u003e\n\u003cli data-start=\"1487\" data-end=\"1536\"\u003eStudent reflection and goal-planning activities\u003c\/li\u003e\n\u003cli data-start=\"1537\" data-end=\"1580\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1581\" data-end=\"1674\"\u003eIdeal for classroom discussion, wellbeing programs, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1676\" data-end=\"1774\"\u003eDesigned to be used alongside \u003cem data-start=\"1706\" data-end=\"1714\"\u003eSaving\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1776\" data-end=\"1835\"\u003e\u003cstrong data-start=\"1776\" data-end=\"1787\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118858493975,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORKSHEET3.jpg?v=1780895932"},{"product_id":"digital-product-3","title":"Saving WORKSHEET 4","description":"\u003ch3 data-start=\"811\" data-end=\"877\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"815\" data-end=\"877\"\u003eSaving Worksheet 4: Financial Maths and Growing Your Money\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"879\" data-end=\"1036\"\u003eBuild financial confidence through real-world maths with this practical worksheet from the \u003cem data-start=\"970\" data-end=\"978\"\u003eSaving\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"1038\" data-end=\"1331\"\u003eThis fourth worksheet helps students apply mathematical thinking to everyday financial decisions. Learners analyse a simplified bank statement, calculate deposits, spending, fees, and balances, then move into core financial concepts including simple interest, compound interest, and inflation.\u003c\/p\u003e\n\u003cp data-start=\"1333\" data-end=\"1408\"\u003eThrough guided calculations and critical reflection, students will explore:\u003c\/p\u003e\n\u003cul data-start=\"1409\" data-end=\"1689\"\u003e\n\u003cli data-start=\"1409\" data-end=\"1453\"\u003eReading and interpreting bank statements\u003c\/li\u003e\n\u003cli data-start=\"1454\" data-end=\"1508\"\u003eTracking money in, money out, and account balances\u003c\/li\u003e\n\u003cli data-start=\"1509\" data-end=\"1556\"\u003eUnderstanding bank fees and long-term costs\u003c\/li\u003e\n\u003cli data-start=\"1557\" data-end=\"1601\"\u003eCalculating simple and compound interest\u003c\/li\u003e\n\u003cli data-start=\"1602\" data-end=\"1632\"\u003eComparing growth over time\u003c\/li\u003e\n\u003cli data-start=\"1633\" data-end=\"1689\"\u003eUnderstanding how inflation affects purchasing power\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1691\" data-end=\"1700\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1701\" data-end=\"1865\"\u003e\n\u003cli data-start=\"1701\" data-end=\"1737\"\u003eStudent financial maths activities\u003c\/li\u003e\n\u003cli data-start=\"1738\" data-end=\"1776\"\u003eTeacher solutions and worked answers\u003c\/li\u003e\n\u003cli data-start=\"1777\" data-end=\"1865\"\u003eIdeal for mathematics, business, economics, financial literacy, or homeschool learning\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1867\" data-end=\"1965\"\u003eDesigned to be used alongside \u003cem data-start=\"1897\" data-end=\"1905\"\u003eSaving\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1967\" data-end=\"2026\"\u003e\u003cstrong data-start=\"1967\" data-end=\"1978\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118864850967,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORKSHEET4.jpg?v=1780895906"},{"product_id":"digital-product-4","title":"Saving WORKSHEET 5","description":"\u003ch3 data-start=\"674\" data-end=\"739\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"678\" data-end=\"739\"\u003eSaving Worksheet 5: Critical Thinking About Money Choices\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"741\" data-end=\"930\"\u003eChallenge students to think deeply about money, habits, and decision-making with this critical thinking worksheet from the \u003cem data-start=\"864\" data-end=\"872\"\u003eSaving\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"932\" data-end=\"1118\"\u003eThis fifth worksheet encourages learners to evaluate real-world financial arguments, identify hidden assumptions, weigh evidence, and justify their opinions using examples and reasoning.\u003c\/p\u003e\n\u003cp data-start=\"1120\" data-end=\"1212\"\u003eUsing a relatable scenario about earning, spending, and saving money, students will explore:\u003c\/p\u003e\n\u003cul data-start=\"1213\" data-end=\"1494\"\u003e\n\u003cli data-start=\"1213\" data-end=\"1270\"\u003eHow beliefs and assumptions influence money decisions\u003c\/li\u003e\n\u003cli data-start=\"1271\" data-end=\"1341\"\u003eThe difference between short-term enjoyment and long-term planning\u003c\/li\u003e\n\u003cli data-start=\"1342\" data-end=\"1395\"\u003eHow evidence can strengthen or weaken an argument\u003c\/li\u003e\n\u003cli data-start=\"1396\" data-end=\"1447\"\u003eWhy financial decisions often depend on context\u003c\/li\u003e\n\u003cli data-start=\"1448\" data-end=\"1494\"\u003eHow to build and defend a reasoned opinion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1496\" data-end=\"1505\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1506\" data-end=\"1685\"\u003e\n\u003cli data-start=\"1506\" data-end=\"1559\"\u003eStudent critical thinking and discussion activities\u003c\/li\u003e\n\u003cli data-start=\"1560\" data-end=\"1603\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1604\" data-end=\"1685\"\u003eIdeal for classroom discussion, debate, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1687\" data-end=\"1785\"\u003eDesigned to be used alongside \u003cem data-start=\"1717\" data-end=\"1725\"\u003eSaving\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1787\" data-end=\"1846\"\u003e\u003cstrong data-start=\"1787\" data-end=\"1798\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118868783127,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORKSHEET5.jpg?v=1780895876"},{"product_id":"digital-product-5","title":"Spending WORKSHEET 1","description":"\u003ch3 data-start=\"552\" data-end=\"614\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"556\" data-end=\"614\"\u003eSpending Worksheet 1: Understanding Spending Decisions\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"616\" data-end=\"768\"\u003eHelp students build stronger money awareness with this practical worksheet from the \u003cem data-start=\"700\" data-end=\"710\"\u003eSpending\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"770\" data-end=\"1044\"\u003eThis first worksheet helps learners explore what influences spending decisions in everyday life. Through needs vs wants activities, consumer scenarios, matching tasks, and reflective questions, students begin to recognise the hidden forces that shape how people spend money.\u003c\/p\u003e\n\u003cp data-start=\"1046\" data-end=\"1068\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1069\" data-end=\"1304\"\u003e\n\u003cli data-start=\"1069\" data-end=\"1111\"\u003eThe difference between needs and wants\u003c\/li\u003e\n\u003cli data-start=\"1112\" data-end=\"1160\"\u003eAdvertising, social media, and peer pressure\u003c\/li\u003e\n\u003cli data-start=\"1161\" data-end=\"1197\"\u003eMood spending and impulse buying\u003c\/li\u003e\n\u003cli data-start=\"1198\" data-end=\"1240\"\u003eScarcity and urgency marketing tactics\u003c\/li\u003e\n\u003cli data-start=\"1241\" data-end=\"1304\"\u003eInvisible spending and why small purchases add up over time\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1306\" data-end=\"1315\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1316\" data-end=\"1498\"\u003e\n\u003cli data-start=\"1316\" data-end=\"1360\"\u003eStudent worksheet activities and scenarios\u003c\/li\u003e\n\u003cli data-start=\"1361\" data-end=\"1404\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1405\" data-end=\"1498\"\u003eIdeal for classroom discussion, independent learning, wellbeing programs, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1500\" data-end=\"1600\"\u003eDesigned to be used alongside \u003cem data-start=\"1530\" data-end=\"1540\"\u003eSpending\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1602\" data-end=\"1661\"\u003e\u003cstrong data-start=\"1602\" data-end=\"1613\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118874255383,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingWORKSHEET1.jpg?v=1780895849"},{"product_id":"digital-product-6","title":"Spending WORKSHEET 2","description":"\u003ch3 data-start=\"664\" data-end=\"728\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"668\" data-end=\"728\"\u003epending Worksheet 2: Applying Smart Spending Strategies\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"730\" data-end=\"881\"\u003eHelp students apply real-world money skills with this practical worksheet from the \u003cem data-start=\"813\" data-end=\"823\"\u003eSpending\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"883\" data-end=\"1186\"\u003eThis second worksheet challenges learners to apply smart spending strategies in realistic everyday situations. Through relatable scenarios involving flash sales, influencers, subscriptions, peer pressure, and impulse purchases, students develop the confidence to make more thoughtful spending decisions.\u003c\/p\u003e\n\u003cp data-start=\"1188\" data-end=\"1210\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1211\" data-end=\"1524\"\u003e\n\u003cli data-start=\"1211\" data-end=\"1267\"\u003eAdvertising, scarcity, and urgency marketing tactics\u003c\/li\u003e\n\u003cli data-start=\"1268\" data-end=\"1319\"\u003ePeer pressure and social influences on spending\u003c\/li\u003e\n\u003cli data-start=\"1320\" data-end=\"1374\"\u003eSystem 1 (fast) vs System 2 (slow) decision-making\u003c\/li\u003e\n\u003cli data-start=\"1375\" data-end=\"1410\"\u003eOpportunity cost and trade-offs\u003c\/li\u003e\n\u003cli data-start=\"1411\" data-end=\"1447\"\u003eSmart spending vs risky spending\u003c\/li\u003e\n\u003cli data-start=\"1448\" data-end=\"1524\"\u003eHow habits, subscriptions, and “small treats” can affect financial goals\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1526\" data-end=\"1535\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1536\" data-end=\"1741\"\u003e\n\u003cli data-start=\"1536\" data-end=\"1594\"\u003eStudent scenarios and applied decision-making activities\u003c\/li\u003e\n\u003cli data-start=\"1595\" data-end=\"1638\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1639\" data-end=\"1741\"\u003eIdeal for classroom discussion, financial literacy programs, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1743\" data-end=\"1843\"\u003eDesigned to be used alongside \u003cem data-start=\"1773\" data-end=\"1783\"\u003eSpending\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1845\" data-end=\"1904\"\u003e\u003cstrong data-start=\"1845\" data-end=\"1856\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118876778519,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingWORKSHEET2.jpg?v=1780899704"},{"product_id":"saving-worksheet-3-1","title":"Spending WORKSHEET 3","description":"\u003ch3 data-start=\"737\" data-end=\"801\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"741\" data-end=\"801\"\u003eSpending Worksheet 3: Personalising your spending habits\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"803\" data-end=\"972\"\u003eHelp students build self-awareness and stronger money habits with this reflective worksheet from the \u003cem data-start=\"904\" data-end=\"914\"\u003eSpending\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"974\" data-end=\"1268\"\u003eThis third worksheet encourages learners to explore their own spending behaviour, personal triggers, habits, and decision-making patterns. Through reflection, self-assessment, and practical behaviour design activities, students begin to understand not just \u003cem data-start=\"1231\" data-end=\"1237\"\u003ewhat\u003c\/em\u003e they spend money on—but \u003cem data-start=\"1262\" data-end=\"1267\"\u003ewhy\u003c\/em\u003e.\u003c\/p\u003e\n\u003cp data-start=\"1270\" data-end=\"1292\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1293\" data-end=\"1633\"\u003e\n\u003cli data-start=\"1293\" data-end=\"1339\"\u003eTheir recent spending choices and patterns\u003c\/li\u003e\n\u003cli data-start=\"1340\" data-end=\"1376\"\u003eNeeds vs wants in their own life\u003c\/li\u003e\n\u003cli data-start=\"1377\" data-end=\"1464\"\u003ePersonal spending triggers such as boredom, stress, friends, sales, or social media\u003c\/li\u003e\n\u003cli data-start=\"1465\" data-end=\"1515\"\u003eHabits that help or hurt their financial goals\u003c\/li\u003e\n\u003cli data-start=\"1516\" data-end=\"1568\"\u003eIdentity-based money habits and behaviour change\u003c\/li\u003e\n\u003cli data-start=\"1569\" data-end=\"1633\"\u003eCreating personal spending rules for smarter decision-making\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1635\" data-end=\"1644\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1645\" data-end=\"1861\"\u003e\n\u003cli data-start=\"1645\" data-end=\"1700\"\u003eStudent self-reflection and habit-building activities\u003c\/li\u003e\n\u003cli data-start=\"1701\" data-end=\"1767\"\u003eTeacher guidance focused on reflection and behavioural awareness\u003c\/li\u003e\n\u003cli data-start=\"1768\" data-end=\"1861\"\u003eIdeal for classroom discussion, wellbeing programs, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1863\" data-end=\"1963\"\u003eDesigned to be used alongside \u003cem data-start=\"1893\" data-end=\"1903\"\u003eSpending\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1965\" data-end=\"2024\"\u003e\u003cstrong data-start=\"1965\" data-end=\"1976\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118885986327,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingWORKSHEET3.jpg?v=1780895784"},{"product_id":"spending-worksheet-4","title":"Spending WORKSHEET 4","description":"\u003ch3 data-start=\"704\" data-end=\"770\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"708\" data-end=\"770\"\u003eSpending Worksheet 4: Financial math for smarter spending\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"772\" data-end=\"939\"\u003eHelp students build confidence with real-world money maths using this practical worksheet from the \u003cem data-start=\"871\" data-end=\"881\"\u003eSpending\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"941\" data-end=\"1214\"\u003eThis fourth worksheet helps learners apply mathematical thinking to everyday spending decisions. Through discounts, sale pricing, unit pricing, subscriptions, and recurring spending examples, students develop the skills to recognise true value and avoid costly money traps.\u003c\/p\u003e\n\u003cp data-start=\"1216\" data-end=\"1238\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1239\" data-end=\"1571\"\u003e\n\u003cli data-start=\"1239\" data-end=\"1280\"\u003eCalculating discounts and sale prices\u003c\/li\u003e\n\u003cli data-start=\"1281\" data-end=\"1355\"\u003eUnderstanding “buy more” promotions and whether they are real bargains\u003c\/li\u003e\n\u003cli data-start=\"1356\" data-end=\"1397\"\u003eComparing products using unit pricing\u003c\/li\u003e\n\u003cli data-start=\"1398\" data-end=\"1442\"\u003eCalculating subscription costs over time\u003c\/li\u003e\n\u003cli data-start=\"1443\" data-end=\"1521\"\u003eUnderstanding how small purchases can add up over weeks, months, and years\u003c\/li\u003e\n\u003cli data-start=\"1522\" data-end=\"1571\"\u003eMaking smarter consumer decisions using maths\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1573\" data-end=\"1582\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1583\" data-end=\"1747\"\u003e\n\u003cli data-start=\"1583\" data-end=\"1619\"\u003eStudent financial maths activities\u003c\/li\u003e\n\u003cli data-start=\"1620\" data-end=\"1658\"\u003eTeacher solutions and worked answers\u003c\/li\u003e\n\u003cli data-start=\"1659\" data-end=\"1747\"\u003eIdeal for mathematics, business, economics, financial literacy, or homeschool learning\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1749\" data-end=\"1849\"\u003eDesigned to be used alongside \u003cem data-start=\"1779\" data-end=\"1789\"\u003eSpending\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1851\" data-end=\"1910\"\u003e\u003cstrong data-start=\"1851\" data-end=\"1862\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118886903831,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingWORKSHEET4.jpg?v=1780899679"},{"product_id":"spending-worksheet-5","title":"Spending WORKSHEET 5","description":"\u003ch3 data-start=\"693\" data-end=\"763\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"697\" data-end=\"763\"\u003eSpending Worksheet 5: Critical thinking about consumer choices\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"765\" data-end=\"935\"\u003eHelp students become smarter, more confident consumers with this critical thinking worksheet from the \u003cem data-start=\"867\" data-end=\"877\"\u003eSpending\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"937\" data-end=\"1117\"\u003eThis fifth worksheet challenges learners to question advertising claims, recognise persuasion tactics, and evaluate spending decisions using logic, evidence, and critical thinking.\u003c\/p\u003e\n\u003cp data-start=\"1119\" data-end=\"1170\"\u003eThrough real-world examples, students will explore:\u003c\/p\u003e\n\u003cul data-start=\"1171\" data-end=\"1468\"\u003e\n\u003cli data-start=\"1171\" data-end=\"1214\"\u003eStrong vs weak arguments in advertising\u003c\/li\u003e\n\u003cli data-start=\"1215\" data-end=\"1280\"\u003eScarcity, urgency, influencer marketing, and discount framing\u003c\/li\u003e\n\u003cli data-start=\"1281\" data-end=\"1322\"\u003eFact vs opinion in consumer messaging\u003c\/li\u003e\n\u003cli data-start=\"1323\" data-end=\"1370\"\u003eHidden costs, subscriptions, and fine print\u003c\/li\u003e\n\u003cli data-start=\"1371\" data-end=\"1414\"\u003eEmotional appeals and misleading claims\u003c\/li\u003e\n\u003cli data-start=\"1415\" data-end=\"1468\"\u003eHow to ask better questions before spending money\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1470\" data-end=\"1479\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1480\" data-end=\"1695\"\u003e\n\u003cli data-start=\"1480\" data-end=\"1541\"\u003eStudent critical thinking and consumer awareness activities\u003c\/li\u003e\n\u003cli data-start=\"1542\" data-end=\"1585\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1586\" data-end=\"1695\"\u003eIdeal for classroom discussion, media literacy, financial literacy, independent learning, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1697\" data-end=\"1797\"\u003eDesigned to be used alongside \u003cem data-start=\"1727\" data-end=\"1737\"\u003eSpending\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1799\" data-end=\"1858\"\u003e\u003cstrong data-start=\"1799\" data-end=\"1810\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118888902679,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingWORKSHEET5.jpg?v=1778209932"},{"product_id":"digital-product-7","title":"Tax WORKSHEET 1","description":"\u003ch3 data-start=\"778\" data-end=\"840\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"782\" data-end=\"840\"\u003eTax Worksheet 1: Understanding tax and public services\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"842\" data-end=\"1009\"\u003eHelp students build a strong foundation in financial citizenship with this practical worksheet from the \u003cem data-start=\"946\" data-end=\"951\"\u003eTax\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"1011\" data-end=\"1348\"\u003eThis first worksheet helps learners understand what tax is, why governments collect it, and how tax supports public goods and essential services in society. Through matching activities, scenarios, reflection questions, and economic concepts, students begin to see tax as more than money being taken—it’s part of how communities function.\u003c\/p\u003e\n\u003cp data-start=\"1350\" data-end=\"1372\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1373\" data-end=\"1682\"\u003e\n\u003cli data-start=\"1373\" data-end=\"1421\"\u003eWhat tax is and where tax revenue comes from\u003c\/li\u003e\n\u003cli data-start=\"1422\" data-end=\"1473\"\u003eHow taxes fund public goods and public services\u003c\/li\u003e\n\u003cli data-start=\"1474\" data-end=\"1525\"\u003eThe difference between public and private goods\u003c\/li\u003e\n\u003cli data-start=\"1526\" data-end=\"1564\"\u003eThe concept of the social contract\u003c\/li\u003e\n\u003cli data-start=\"1565\" data-end=\"1614\"\u003eWhy trust and fairness matter in a tax system\u003c\/li\u003e\n\u003cli data-start=\"1615\" data-end=\"1682\"\u003eCommon types of tax, including income tax, GST, and company tax\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1684\" data-end=\"1693\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1694\" data-end=\"1892\"\u003e\n\u003cli data-start=\"1694\" data-end=\"1749\"\u003eStudent worksheet activities and reflection questions\u003c\/li\u003e\n\u003cli data-start=\"1750\" data-end=\"1793\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1794\" data-end=\"1892\"\u003eIdeal for classroom learning, economics, business, civics, financial literacy, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1894\" data-end=\"1989\"\u003eDesigned to be used alongside \u003cem data-start=\"1924\" data-end=\"1929\"\u003eTax\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1991\" data-end=\"2050\"\u003e\u003cstrong data-start=\"1991\" data-end=\"2002\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118904238103,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxWORKSHEET1.jpg?v=1780895586"},{"product_id":"digital-product-8","title":"Tax WORKSHEET 2","description":"\u003ch3 data-start=\"716\" data-end=\"766\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"720\" data-end=\"766\"\u003eTax Worksheet 2: Applying tax in real life\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"768\" data-end=\"920\"\u003eHelp students apply tax concepts to everyday life with this practical worksheet from the \u003cem data-start=\"857\" data-end=\"862\"\u003eTax\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"922\" data-end=\"1242\"\u003eThis second worksheet challenges learners to apply their understanding of tax in realistic situations involving shopping, employment, businesses, and government services. Through real-world scenarios, matching activities, and applied questions, students develop a clearer understanding of how tax works in everyday life.\u003c\/p\u003e\n\u003cp data-start=\"1244\" data-end=\"1266\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1267\" data-end=\"1640\"\u003e\n\u003cli data-start=\"1267\" data-end=\"1333\"\u003eGST and how tax is included in the price of goods and services\u003c\/li\u003e\n\u003cli data-start=\"1334\" data-end=\"1385\"\u003ePAYG (Pay As You Go) tax withholding from wages\u003c\/li\u003e\n\u003cli data-start=\"1386\" data-end=\"1468\"\u003eDifferent types of tax, including income tax, GST, company tax, and excise tax\u003c\/li\u003e\n\u003cli data-start=\"1469\" data-end=\"1523\"\u003eThe roles of federal, state, and local governments\u003c\/li\u003e\n\u003cli data-start=\"1524\" data-end=\"1576\"\u003eThe difference between direct and indirect taxes\u003c\/li\u003e\n\u003cli data-start=\"1577\" data-end=\"1640\"\u003eHow individuals and businesses contribute to the tax system\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1642\" data-end=\"1651\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1652\" data-end=\"1846\"\u003e\n\u003cli data-start=\"1652\" data-end=\"1703\"\u003eStudent scenarios and applied learning activities\u003c\/li\u003e\n\u003cli data-start=\"1704\" data-end=\"1747\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1748\" data-end=\"1846\"\u003eIdeal for classroom learning, economics, business, civics, financial literacy, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1848\" data-end=\"1943\"\u003eDesigned to be used alongside \u003cem data-start=\"1878\" data-end=\"1883\"\u003eTax\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1945\" data-end=\"2004\"\u003e\u003cstrong data-start=\"1945\" data-end=\"1956\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118908399639,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxWORKSHEET2.jpg?v=1780895560"},{"product_id":"digital-product-9","title":"Tax WORKSHEET 3","description":"\u003ch3 data-start=\"776\" data-end=\"831\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"780\" data-end=\"831\"\u003eTax Worksheet 3: Personalising your tax journey\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"833\" data-end=\"1021\"\u003eHelp students connect tax to their own life, future work, and financial independence with this reflective worksheet from the \u003cem data-start=\"958\" data-end=\"963\"\u003eTax\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"1023\" data-end=\"1265\"\u003eThis third worksheet encourages learners to recognise that they are already part of the tax system—and helps them prepare for future responsibilities such as getting a job, reading payslips, understanding tax withheld, and becoming tax-ready.\u003c\/p\u003e\n\u003cp data-start=\"1267\" data-end=\"1289\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1290\" data-end=\"1648\"\u003e\n\u003cli data-start=\"1290\" data-end=\"1353\"\u003eHow they already contribute through GST when spending money\u003c\/li\u003e\n\u003cli data-start=\"1354\" data-end=\"1416\"\u003ePublic services they personally use that are funded by tax\u003c\/li\u003e\n\u003cli data-start=\"1417\" data-end=\"1471\"\u003ePreparing for a first job, including getting a TFN\u003c\/li\u003e\n\u003cli data-start=\"1472\" data-end=\"1534\"\u003eUnderstanding gross pay, net pay, and PAYG tax withholding\u003c\/li\u003e\n\u003cli data-start=\"1535\" data-end=\"1584\"\u003eTax returns, refunds, and possible deductions\u003c\/li\u003e\n\u003cli data-start=\"1585\" data-end=\"1648\"\u003eBuilding confidence and responsibility as a future taxpayer\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1650\" data-end=\"1659\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1660\" data-end=\"1869\"\u003e\n\u003cli data-start=\"1660\" data-end=\"1716\"\u003eStudent self-reflection and future planning activities\u003c\/li\u003e\n\u003cli data-start=\"1717\" data-end=\"1760\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1761\" data-end=\"1869\"\u003eIdeal for classroom learning, business, economics, career education, financial literacy, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1871\" data-end=\"1966\"\u003eDesigned to be used alongside \u003cem data-start=\"1901\" data-end=\"1906\"\u003eTax\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1968\" data-end=\"2027\"\u003e\u003cstrong data-start=\"1968\" data-end=\"1979\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118910562327,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxWORKSHEET3.jpg?v=1780895537"},{"product_id":"digital-product-10","title":"Tax WORKSHEET 4","description":"\u003ch3 data-start=\"908\" data-end=\"965\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"912\" data-end=\"965\"\u003eTax Worksheet 4: Financial math and tax brackets\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"967\" data-end=\"1134\"\u003eHelp students build confidence with real-world tax calculations using this practical worksheet from the \u003cem data-start=\"1071\" data-end=\"1076\"\u003eTax\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"1136\" data-end=\"1460\"\u003eThis fourth worksheet helps learners apply mathematical thinking to one of the most important, and often misunderstood, areas of personal finance: income tax. Through Australian tax brackets, worked calculations, deductions, and real-life earning scenarios, students develop the skills to understand how tax works in practice.\u003c\/p\u003e\n\u003cp data-start=\"1462\" data-end=\"1484\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1485\" data-end=\"1774\"\u003e\n\u003cli data-start=\"1485\" data-end=\"1528\"\u003eAustralian resident income tax brackets\u003c\/li\u003e\n\u003cli data-start=\"1529\" data-end=\"1565\"\u003eHow progressive tax systems work\u003c\/li\u003e\n\u003cli data-start=\"1566\" data-end=\"1616\"\u003eCalculating tax across different income levels\u003c\/li\u003e\n\u003cli data-start=\"1617\" data-end=\"1674\"\u003eThe difference between marginal and average tax rates\u003c\/li\u003e\n\u003cli data-start=\"1675\" data-end=\"1715\"\u003eHow deductions affect taxable income\u003c\/li\u003e\n\u003cli data-start=\"1716\" data-end=\"1774\"\u003eCommon misconceptions about pay rises and tax brackets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1776\" data-end=\"1785\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1786\" data-end=\"1989\"\u003e\n\u003cli data-start=\"1786\" data-end=\"1843\"\u003eStudent financial maths activities and tax calculations\u003c\/li\u003e\n\u003cli data-start=\"1844\" data-end=\"1882\"\u003eTeacher solutions and worked answers\u003c\/li\u003e\n\u003cli data-start=\"1883\" data-end=\"1989\"\u003eIdeal for mathematics, business, economics, financial literacy, career education, or homeschool learning\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1991\" data-end=\"2086\"\u003eDesigned to be used alongside \u003cem data-start=\"2021\" data-end=\"2026\"\u003eTax\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"2088\" data-end=\"2147\"\u003e\u003cstrong data-start=\"2088\" data-end=\"2099\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118911414295,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxWORKSHEET4.jpg?v=1780895511"},{"product_id":"digital-product-11","title":"Tax WORKSHEET 5","description":"\u003ch3 data-start=\"654\" data-end=\"727\"\u003e\u003cspan role=\"text\"\u003e\u003cstrong data-start=\"658\" data-end=\"727\"\u003eTax Worksheet 5: Critical thinking about fairness and tax systems\u003c\/strong\u003e\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp data-start=\"729\" data-end=\"915\"\u003eChallenge students to think deeply about fairness, trust, and public policy with this critical thinking worksheet from the \u003cem data-start=\"852\" data-end=\"857\"\u003eTax\u003c\/em\u003e book in the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e series.\u003c\/p\u003e\n\u003cp data-start=\"917\" data-end=\"1254\"\u003eThis fifth worksheet encourages learners to evaluate tax systems, question assumptions, and explore the ethical and economic trade-offs behind government taxation. Through real-world scenarios, debates, and reflective questions, students develop the confidence to think critically about one of society’s most important financial systems.\u003c\/p\u003e\n\u003cp data-start=\"1256\" data-end=\"1278\"\u003eStudents will explore:\u003c\/p\u003e\n\u003cul data-start=\"1279\" data-end=\"1568\"\u003e\n\u003cli data-start=\"1279\" data-end=\"1318\"\u003eProgressive tax vs flat tax systems\u003c\/li\u003e\n\u003cli data-start=\"1319\" data-end=\"1360\"\u003eFairness and ability-to-pay arguments\u003c\/li\u003e\n\u003cli data-start=\"1361\" data-end=\"1400\"\u003eWhy trust matters in tax compliance\u003c\/li\u003e\n\u003cli data-start=\"1401\" data-end=\"1457\"\u003eThe difference between tax avoidance and tax evasion\u003c\/li\u003e\n\u003cli data-start=\"1458\" data-end=\"1505\"\u003eBehavioural taxes and government incentives\u003c\/li\u003e\n\u003cli data-start=\"1506\" data-end=\"1568\"\u003eHow public policy decisions affect individuals and society\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1570\" data-end=\"1579\"\u003eIncludes:\u003c\/p\u003e\n\u003cul data-start=\"1580\" data-end=\"1785\"\u003e\n\u003cli data-start=\"1580\" data-end=\"1640\"\u003eStudent critical thinking and policy discussion activities\u003c\/li\u003e\n\u003cli data-start=\"1641\" data-end=\"1684\"\u003eTeacher solutions and assessment guidance\u003c\/li\u003e\n\u003cli data-start=\"1685\" data-end=\"1785\"\u003eIdeal for classroom discussion, economics, business, civics, financial literacy, or homeschool use\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1787\" data-end=\"1882\"\u003eDesigned to be used alongside \u003cem data-start=\"1817\" data-end=\"1822\"\u003eTax\u003c\/em\u003e from the \u003cspan class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"\u003e\u003cspan class=\"whitespace-normal\"\u003eMarshmallow Money\u003c\/span\u003e\u003c\/span\u003e book series.\u003c\/p\u003e\n\u003cp data-start=\"1884\" data-end=\"1943\"\u003e\u003cstrong data-start=\"1884\" data-end=\"1895\"\u003eFormat:\u003c\/strong\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45118912757783,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxWORKSHEET5.jpg?v=1780895486"},{"product_id":"get-started-pack","title":"Get Started Pack","description":"\u003cp\u003eThe \u003cem data-start=\"4\" data-end=\"22\"\u003eGet Started Pack\u003c\/em\u003e is the perfect introduction to money skills for young readers. Combining \u003cem data-start=\"96\" data-end=\"104\"\u003eSaving\u003c\/em\u003e and \u003cem data-start=\"109\" data-end=\"119\"\u003eSpending\u003c\/em\u003e, this bundle helps young people learn how to make thoughtful money choices, set goals, plan ahead, and understand the difference between needs and wants. Written in a clear and engaging style, both books use real-world examples, reflection questions, and practical activities to build confidence with money. Together, they provide a strong foundation for developing positive financial habits.\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148537258007,"sku":null,"price":42.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Get_Started_Pack_f9c5c94b-8e77-4f32-923b-6c6f470d20e2.jpg?v=1780902295"},{"product_id":"saving-wordfinder","title":"Saving WORDFINDER","description":"\u003cp class=\"MsoNormal\"\u003eThe \u003ci\u003eWordfinder\u003c\/i\u003e is a fun and engaging activity designed to help students build familiarity with important financial literacy terms and concepts from the book. By searching for key words related to money, saving, spending, investing, tax, superannuation, and other financial topics, students strengthen vocabulary recognition, spelling, and concept recall in an interactive way. Ideal as a classroom activity, early finisher task, homework exercise, or revision tool, the Wordfinder supports financial language development while making learning enjoyable and accessible.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148695953431,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORDFINDER-cover_e77fd86a-288f-4b31-b062-4c291f3b38d7.jpg?v=1780894947"},{"product_id":"saving-crossword","title":"Saving CROSSWORD","description":"\u003cp class=\"MsoNormal\"\u003eThe \u003ci\u003eCrossword\u003c\/i\u003e is an interactive learning activity designed to reinforce key financial literacy concepts and vocabulary from the book. Using clues linked to important money terms and ideas, students develop understanding, recall, and critical thinking skills while strengthening their financial language knowledge. Ideal for revision, independent learning, classroom activities, or homework, the Crossword encourages students to engage more deeply with financial concepts in a fun and meaningful way.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148699099159,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingCROSSWORD-Cover.jpg?v=1780894904"},{"product_id":"saving-quiz-1","title":"Saving QUIZ 1","description":"\u003cp\u003eThis 20-question multiple choice quiz is designed to help students review and reinforce the key concepts covered in \u003cem data-start=\"143\" data-end=\"151\"\u003eSaving\u003c\/em\u003e. Questions focus on understanding savings goals, needs and wants, planning ahead, delayed gratification, inflation, interest, and smart money habits. Ideal for revision, class discussion, homework, or checking understanding after completing the book.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital video (MP4) download\u003cspan lang=\"EN-US\" style=\"mso-ansi-language: EN-US;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148699525143,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Saving_Quiz1_c915ac50-619a-46b4-9f0e-810017de0cb9.jpg?v=1780967519"},{"product_id":"saving-quiz-2","title":"Saving QUIZ 2","description":"\u003cp\u003eThis 20-question multiple-choice quiz focuses on the more technical concepts explored in \u003cem data-end=\"136\" data-start=\"128\"\u003eSaving\u003c\/em\u003e. Students review topics related to the financial eco-system such as the role of banks and government agencies. Designed to strengthen financial vocabulary and raise awareness  of important actors in the financial sector, this quiz is ideal for revision, assessment preparation, or extending students’ understanding of real-world money concepts.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital video (MP4) download\u003cspan lang=\"EN-US\" style=\"mso-ansi-language: EN-US;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148709093399,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Saving_Quiz2_692b9880-0ba2-4d12-aee0-97246b899246.jpg?v=1780967487"},{"product_id":"spending-crossword","title":"Spending CROSSWORD","description":"\u003cp class=\"MsoNormal\"\u003eThe \u003ci\u003eCrossword\u003c\/i\u003e is an interactive learning activity designed to reinforce key financial literacy concepts and vocabulary from the book. Using clues linked to important money terms and ideas, students develop understanding, recall, and critical thinking skills while strengthening their financial language knowledge. Ideal for revision, independent learning, classroom activities, or homework, the Crossword encourages students to engage more deeply with financial concepts in a fun and meaningful way.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148719153175,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Spending_CROSSWORD-Cover.jpg?v=1780899773"},{"product_id":"digital-product-27","title":"Spending WORDFINDER","description":"\u003cp\u003e\u003cspan style=\"font-size: 11.0pt; font-family: 'Aptos',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Aptos; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-AU; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\"\u003eThe \u003ci\u003eWordfinder\u003c\/i\u003e is a fun and engaging activity designed to help students build familiarity with important financial literacy terms and concepts from the book. By searching for key words related to money, saving, spending, investing, tax, superannuation, and other financial topics, students strengthen vocabulary recognition, spelling, and concept recall in an interactive way. Ideal as a classroom activity, early finisher task, homework exercise, or revision tool, the Wordfinder supports financial language development while making learning enjoyable and accessible.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148719579159,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Spending_WORDFINDER-Cover.jpg?v=1780899741"},{"product_id":"spending-quiz-1","title":"Spending QUIZ 1","description":"\u003cp\u003eThis 20-question multiple-choice quiz reviews the key ideas explored in \u003cem data-start=\"112\" data-end=\"122\"\u003eSpending\u003c\/em\u003e. Students revisit important concepts such as needs and wants, impulse buying, advertising, peer pressure, FOMO, spending triggers, habits, and opportunity cost. The quiz also introduces behavioural concepts like System 1 and System 2 thinking, helping students better understand why people make spending decisions. Ideal for revision, classroom discussion, homework, or checking understanding after completing the book.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital video (MP4) download\u003cspan lang=\"EN-US\" style=\"mso-ansi-language: EN-US;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148721545239,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Spending_Quiz1_ccc6db4b-de01-433c-8d38-145c975b514d.jpg?v=1780967455"},{"product_id":"spending-quiz-2","title":"Spending QUIZ 2","description":"\u003cp\u003eThis 20-question multiple-choice quiz focuses on the more technical and analytical concepts explored in \u003cem data-start=\"149\" data-end=\"159\"\u003eSpending\u003c\/em\u003e. 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Ideal for revision, assessment preparation, or extending students’ understanding of real-world spending behaviour.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital video (MP4) download\u003cspan lang=\"EN-US\" style=\"mso-ansi-language: EN-US;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148724068375,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Spending_Quiz2_1d9a75a8-8d60-4618-8538-66d8135d64ed.jpg?v=1780967422"},{"product_id":"tax-wordfinder","title":"Tax WORDFINDER","description":"\u003cp\u003e\u003cspan style=\"font-size: 11.0pt; font-family: 'Aptos',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Aptos; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-AU; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\"\u003eThe \u003ci\u003eWordfinder\u003c\/i\u003e is a fun and engaging activity designed to help students build familiarity with important financial literacy terms and concepts from the book. By searching for key words related to money, saving, spending, investing, tax, superannuation, and other financial topics, students strengthen vocabulary recognition, spelling, and concept recall in an interactive way. Ideal as a classroom activity, early finisher task, homework exercise, or revision tool, the Wordfinder supports financial language development while making learning enjoyable and accessible.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148729049111,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingWORDFINDER-cover.jpg?v=1780894511"},{"product_id":"tax-quiz-1","title":"Tax QUIZ 1","description":"\u003cp\u003eThis 20-question multiple choice quiz reviews the key concepts explored in \u003cem data-start=\"110\" data-end=\"115\"\u003eTax\u003c\/em\u003e. Students revisit important ideas such as why governments collect taxes, how taxes fund public goods and services, the difference between direct and indirect taxes, GST, PAYG, tax deductions, and tax returns. The quiz also introduces broader economic and civic concepts including the social contract, tax morale, and voluntary tax compliance. Ideal for revision, classroom discussion, homework, or checking understanding after completing the book.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital video (MP4) download\u003cspan lang=\"EN-US\" style=\"mso-ansi-language: EN-US;\"\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148733931543,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Tax_Quiz1.jpg?v=1780967383"},{"product_id":"tax-quiz-2","title":"Tax QUIZ 2","description":"\u003cp\u003eThis 20-question multiple-choice quiz focuses on the more technical and applied concepts explored in \u003cem data-start=\"154\" data-end=\"159\"\u003eTax\u003c\/em\u003e. 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Designed to save educators time while supporting meaningful learning outcomes, the pack provides flexible resources suitable for a range of learning environments.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eFormat: \u003c\/strong\u003eDigital\u003cstrong\u003e \u003c\/strong\u003ePDF and video (MP4) downloadable files\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148814475287,"sku":null,"price":9.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SavingEducatorSupportPack2_603f7bf4-2219-4866-9d0a-4717d034974b.jpg?v=1780894799"},{"product_id":"spending-educator-support-pack","title":"Spending Educator Support Pack","description":"\u003cp\u003eThe \u003cem data-start=\"43\" data-end=\"75\"\u003eSpending Educator Support Pack\u003c\/em\u003e provides a comprehensive set of classroom resources designed to support and reinforce the concepts explored in \u003cem data-start=\"187\" data-end=\"197\"\u003eSpending\u003c\/em\u003e. The pack includes Quiz 1 and Quiz 2, a crossword, wordfinder, and Worksheets 1–5, offering a variety of engaging activities that strengthen financial literacy, numeracy, vocabulary, and critical thinking skills. Covering topics such as needs and wants, advertising, impulse buying, subscriptions, pricing strategies, peer pressure, opportunity cost, and smart consumer decision-making, these resources are ideal for revision, assessment, independent learning, homework, or classroom extension activities. Designed to save educators time while supporting meaningful learning outcomes, the pack provides flexible resources suitable for a range of learning environments.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eFormat:\u003c\/strong\u003e Digital PDF and video (MP4) downloads\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45148862316567,"sku":null,"price":9.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/SpendingEducatorSupportPack.jpg?v=1780894766"},{"product_id":"tax-crossword","title":"Tax CROSSWORD","description":"\u003cp class=\"MsoNormal\"\u003eThe \u003ci\u003eCrossword\u003c\/i\u003e is an interactive learning activity designed to reinforce key financial literacy concepts and vocabulary from the book. 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Ideal for revision, independent learning, classroom activities, or homework, the Crossword encourages students to engage more deeply with financial concepts in a fun and meaningful way.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF download\u003c\/p\u003e","brand":"Marshmallow Money Australia","offers":[{"title":"Default Title","offer_id":45168638001175,"sku":null,"price":1.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/Tax_CROSSWORD-cover.jpg?v=1780894736"},{"product_id":"tax-educator-support-pack","title":"Tax Educator Support Pack","description":"\u003cp\u003eThe Tax Educator Support Pack provides a comprehensive collection of classroom resources designed to support and extend the concepts explored in \u003cem data-start=\"145\" data-end=\"150\"\u003eTax\u003c\/em\u003e. The pack includes Quiz 1 and Quiz 2, a crossword, wordfinder, and Worksheets 1–5, offering a variety of engaging activities that strengthen financial literacy, numeracy, vocabulary, reasoning, and critical thinking skills. Covering topics such as public goods and services, GST, PAYG withholding, tax brackets, progressive taxation, deductions, fairness, tax compliance, and the role of government, these resources help students connect taxation concepts to real-world financial life. Ideal for revision, assessment, independent learning, homework, or classroom extension activities, the pack is designed to save educators time while supporting meaningful and practical learning outcomes across a range of learning environments.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eFormat:\u003c\/b\u003e Digital PDF and video (MP4) downloads\u003c\/p\u003e","brand":"Marshmallow Money Australia","offers":[{"title":"Default Title","offer_id":45168711401495,"sku":null,"price":9.99,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/TaxEductorSupportPack.jpg?v=1779752892"},{"product_id":"6-book-set","title":"Complete Learning Bundle","description":"\u003cp\u003eBuild confidence with money, one book at a time.\u003c\/p\u003e\n\u003cp\u003eThe Marshmallow Money Complete Learning Bundle brings together six engaging, easy-to-understand books that help young people develop the knowledge, skills, and confidence to make informed financial decisions. Designed for upper primary and secondary students, this bundle provides a practical introduction to the financial concepts every young Australian will encounter throughout life.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eIncluded in this bundle:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eSaving\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eSpending\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eTax\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eInvesting\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eSuperannuation\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eBuying a Car\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWritten by financial educator and researcher \u003cstrong\u003eDr Tracey West\u003c\/strong\u003e, each book combines real-world examples, critical thinking activities, financial mathematics, and discussion questions that encourage students to connect financial concepts to their own lives.\u003c\/p\u003e\n\u003ch3\u003ePerfect for:\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eTeachers and schools seeking curriculum-aligned financial literacy resources\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eHomeschool families looking for structured, engaging learning materials\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eSchool libraries and learning support centres\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eParents who want to prepare young people for real-world financial decisions\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat students will learn:\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eHow to manage spending and saving decisions\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eThe role of tax in everyday life\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eHow investing can build wealth over time\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eWhy superannuation matters from a young age\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eThe costs and responsibilities of buying and owning a car\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eHow to think critically about money, risk, and financial choices\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWhether used in the classroom, at home, or as part of an independent learning program, the Marshmallow Money Complete Learning Bundle provides a strong foundation for lifelong financial capability.\u003c\/p\u003e\n\u003cp\u003eSave compared with purchasing each title individually and build a complete financial literacy library in one convenient package.\u003c\/p\u003e","brand":"Marshmallow Money Australia","offers":[{"title":"Default Title","offer_id":45430645424151,"sku":null,"price":119.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/6808\/7831\/files\/6bookbundlesketches.png?v=1787540921"},{"product_id":"saving-classroom-set-34-copies","title":"Saving Classroom Set (34 copies)","description":"\u003cp class=\"MsoNormal\"\u003eEquip your classroom with a complete set of \u003cb\u003e34 copies\u003c\/b\u003e of \u003ci\u003eSaving\u003c\/i\u003e, providing enough books for a full class to explore essential financial literacy concepts together.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003eDesigned for upper primary and secondary students, Marshmallow Money books combine real-world examples, financial mathematics, and practical guidance to help young people develop the knowledge and confidence to make informed financial decisions.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003eIdeal for classroom teaching, small group work, wellbeing programs, and school libraries, this classroom set allows every student to actively participate in lessons and activities while supporting consistent learning across the cohort.\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cb\u003eClassroom Set Includes:\u003c\/b\u003e\u003c\/p\u003e\n\u003cul style=\"margin-top: 0cm;\" type=\"disc\"\u003e\n\u003cli class=\"MsoNormal\" style=\"mso-list: l0 level1 lfo1; 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