FAQ – Marshmallow Money Australia

Getting started

What is Marshmallow Money?

Marshmallow Money is an Australian financial education brand created to help children and young people build the knowledge, confidence, and habits needed to make informed money decisions.

Created by Tracey West PhD, Marshmallow Money combines financial education, behavioural science, consumer awareness, and real-world learning to make money concepts practical, engaging, and age-appropriate.

Our books and resources explore topics such as saving, spending, budgeting, taxation, superannuation, investing, scams, consumer rights, and long-term planning, helping young people connect money concepts with the choices they see in everyday life.

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Who are Marshmallow Money resources designed for?

Marshmallow Money resources are designed for teenagers, young adults, and the trusted adults who support them, including parents, teachers, homeschool educators, schools, libraries, community organisations, and wellbeing professionals.

Our resources are designed to grow with learners across different ages, stages, and learning environments.

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What age groups are the books designed for?

Marshmallow Money resources are designed as a developmental learning pathway, rather than a strict age-based program.

Different books, worksheets, and case studies may be better suited to different learning stages, levels of financial understanding, and classroom contexts.

To support this, our resources are grouped into three learning levels:

Financial Foundations: Early money habits, needs and wants, saving, spending, goal setting, budgeting, taxation and consumer awareness.

Financial Empowerment: Understanding risk and risk management strategies, Investing, superannuation, debt, risk, career income, long-term planning, and preparing for adult financial responsibilities.

Financial Independence: Practical information and tips for important financial decisions, such as buying a car, buying a property, and starting a business.

This allows parents and educators to choose resources based on readiness, interest, and learning goals, not just age.

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Where should I start?

If you're new to Marshmallow Money, we recommend starting with the learning stage that best matches your learner’s current understanding, confidence, and life experience.

If your learner is just beginning to explore money concepts, start with Financial Foundations.

If they are ready to explore more complex money decisions, consumer choices, or real-world financial systems, Financial Empowerment may be a good fit.

If they are preparing for work, further study, independent living, or adult financial responsibilities, Financial Independence may be the right place to begin.

If you’re unsure, our For Teachers and For Parents pages can help guide your decision.

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Do Marshmallow Money books make a good gift for teenagers?

Yes. Many families choose Marshmallow Money books as meaningful gifts for birthdays, graduations, Christmas, milestone celebrations, or the start of a new school year.

Parents, grandparents, godparents, carers, and family friends often tell us they are looking for gifts that do more than entertain, they want something that can spark curiosity, build confidence, and support life skills that will stay with young people for years to come.

Marshmallow Money books are designed to grow with learners, helping children and young people explore topics such as saving, spending, goal setting, taxation, investing, scams, consumer awareness, and long-term planning through stories, worked examples, and real-world case studies.

A book can become more than a gift; it can become the start of important conversations about money, values, choices, and future opportunities.

If you’re buying for a teenager or young adult, our learning pathway > Financial Foundations, Financial Empowerment, and Financial Independence > can help you choose a resource that matches their stage of learning.

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What makes Marshmallow Money different?

Marshmallow Money goes beyond budgeting tips or simple money worksheets.

Our resources combine:

Financial literacy and consumer education
Real-world case studies and relatable characters
Financial mathematics and economic concepts
Behavioural science and goal-setting frameworks
Systems thinking, consumer protection, and financial wellbeing

Marshmallow Money helps learners not only understand money, but also understand the systems, choices, and behaviours that shape financial life.

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Are more Marshmallow Money books and resources coming?

Yes. Marshmallow Money is designed as a growing financial education series, with new books, worksheets, classroom activities, and teaching resources planned over time.

Our long-term goal is to build a complete learning pathway that supports children and young people as they progress from early money habits to more complex topics such as taxation, superannuation, investing, consumer rights, scams, financial risk, and long-term financial planning.

New titles and resources are released in stages to ensure each book is thoughtfully researched, classroom-tested, and designed to support meaningful learning.

To hear about new releases, teaching resources, and upcoming projects, join the Marshmallow Money community or follow our latest updates through the blog.

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Our Approach

Why does Marshmallow Money use printed books?

In a world of constant notifications, short-form content, and digital distractions, Marshmallow Money intentionally uses printed books to support focused, meaningful learning.

Physical books create space for learners to slow down, think deeply, solve problems by hand, make notes, revisit ideas, and engage in discussion without the distractions that often come with screens.

This is especially important in financial education, where students are often asked to compare choices, weigh trade-offs, work through calculations, interpret data, and think about long-term consequences.

Printed books also support shared learning, whether in classrooms, homes, wellbeing programs, tutoring sessions, or community settings, helping financial conversations happen face-to-face.

At Marshmallow Money, the format is part of the learning design.

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Why do you use stories, characters, and case studies?

Money can be personal.

Students, families, and educators often bring different experiences, beliefs, opportunities, and challenges to conversations about money. Some may feel confident talking about money, while others may find it sensitive or unfamiliar.

That is why Marshmallow Money uses recurring characters, real-world scenarios, and age-appropriate case studies to explore financial decisions in a safe, engaging, and inclusive way.

This approach allows learners to explore complex topics, such as saving, spending, debt, scams, investing, financial stress, or consumer rights, without needing to disclose personal family circumstances.

It also allows teachers and parents to facilitate meaningful conversations without feeling pressure to share their own financial experiences.

Stories help learners connect emotionally, think critically, and remember what they have learned long after the lesson ends.

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What research informs Marshmallow Money?

Marshmallow Money is informed by research across multiple fields, including Financial Literacy, Behavioral Economics, Consumer Education, learning science, and financial wellbeing research.

One particularly influential piece of research comes from Dee Warmath and David Zimmerman (2018), who explored the role of financial self-efficacy; a person’s confidence in their ability to make and act on financial decisions.

Their work encouraged people to reflect on questions such as:

Do I know how to make complex decisions?
Can I make good financial decisions when a situation is new to me?
Can I follow through on my financial intentions?
Do I know how to control my spending and make myself save?
Do I know when I need advice?
Do I know where to go for help with money decisions?
Can I recognise when I do not have enough information to make a good financial decision?

This research had a significant influence on the design of Marshmallow Money.

Across the series, learners are not only introduced to financial concepts such as saving, spending, tax, investing, and risk; they are also encouraged to build decision-making confidence, recognise when they need support, and develop the skills to seek trusted help when financial situations become complex.

That is why every Marshmallow Money book includes guidance on where to go for help, encouraging young people to understand that financial capability is not about having all the answers; it is also about knowing when to ask questions, where to find trusted information, and how to make informed decisions over time.

Marshmallow Money also draws on international frameworks from the OECD, financial capability research, consumer policy, and the professional and academic work, helping combine evidence-based learning with practical, real-world application.

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Why do you teach systems change alongside financial education?

Financial education is important, but education alone cannot solve every financial challenge.

Many financial outcomes are shaped not only by individual choices, but also by the systems, products, policies, and institutions that surround those choices.

For example, a person may understand budgeting, saving, or borrowing, but still experience financial harm if they encounter misleading advertising, harmful credit products, scams, complex contracts, poor customer support, or systems that fail to protect vulnerable consumers.

That is why Marshmallow Money teaches both individual capability and systems awareness.

Across the series, learners explore case studies where financial systems have worked well, and where systems have let people down.

This helps students build not only financial capability, but also consumer awareness, ethical reasoning, and the confidence to ask important questions about fairness, responsibility, and accountability.

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Why does Marshmallow Money focus on financial wellbeing, not just financial literacy?

Financial literacy helps people understand money. But understanding money is only part of the story.

At Marshmallow Money, our ultimate goal is financial wellbeing, helping young people build the confidence, resilience, and decision-making skills they need to manage everyday life, cope with setbacks, and pursue future opportunities.

Financial wellbeing includes questions such as:

Can I make ends meet?
Can I cope with unexpected expenses?
Do I feel confident making financial decisions?
Can I plan for the future?
Do I have the freedom to make choices that align with my goals and values?

That is why Marshmallow Money goes beyond definitions, formulas, and budgeting exercises.

Our resources are designed to help learners build healthy money habits, think critically about financial systems, understand risk, recognise opportunities, and develop the confidence to participate fully in economic life.

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Teachers

How do Marshmallow Money resources support the Australian Curriculum?

Marshmallow Money resources are designed to support learning across multiple curriculum areas, including financial literacy, consumer awareness, financial mathematics, economics, business, and personal and social capability.

Depending on the topic and learning level, resources may support opportunities for students to develop:

Financial mathematics skills such as percentages, interest, budgeting, comparison shopping, and interpreting data
Economic understanding, including scarcity, trade-offs, incentives, markets, taxation, productivity, and long-term planning
Critical and creative thinking, problem-solving, and evidence-based decision-making
Consumer awareness, digital safety, and scam prevention
Goal setting, future planning, and financial wellbeing

Resources may also support cross-curriculum priorities such as sustainability, Aboriginal and Torres Strait Islander Histories and Cultures, and Australia’s engagement with Asia.

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What year levels are Marshmallow Money resources designed for?

Marshmallow Money uses a developmental learning pathway rather than strict year-level labels.

Our resources are organised into three learning levels:

Financial Foundations: Early money habits, needs and wants, saving, spending, goal setting, budgeting, taxation and consumer awareness.

Financial Independence: Practical information and tips for important financial decisions, such as buying a car, buying a property, and starting a business.

This allows teachers to select resources based on student readiness, classroom context, and learning goals, not simply age.

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Can Marshmallow Money be used outside mathematics or economics classes?

Yes. Marshmallow Money is designed to support learning across a range of classroom and school contexts.

Teachers have opportunities to use the resources in:

Mathematics and financial mathematics
Humanities, economics, and business studies
Careers and work readiness programs
Student wellbeing and pastoral care programs
Consumer education and digital safety discussions
Cross-curricular inquiry and project-based learning

Financial decision-making is part of everyday life, which means financial education can connect naturally with many learning areas.

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Why does Marshmallow Money use characters and case studies?

Money can be a personal topic, for students, families, and educators.

That’s why Marshmallow Money uses relatable characters, stories, and case studies to explore real-world financial situations in a safe, inclusive, and engaging way.

This approach allows teachers to facilitate meaningful conversations about money, values, choices, systems, and consequences, without needing to share their own personal financial experiences or ask students to disclose sensitive family information.

Characters and case studies also help students explore diverse perspectives, practise decision-making, and discuss complex financial issues without judgement.

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Can Marshmallow Money support wellbeing, life skills, or career readiness programs?

Yes. Marshmallow Money resources are designed to support not only academic learning, but also real-world life preparation.

Topics such as goal setting, delayed gratification, risk, consumer awareness, financial stress, scams, work, income, and long-term planning can support:

Student wellbeing programs
Pastoral care and mentoring programs
Careers education and employability programs
Senior transition and independent living preparation
Alternative education or flexible learning settings

Our goal is to help young people build the confidence to navigate both financial decisions and life transitions.

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Can I use Marshmallow Money in small groups, intervention, or extension programs?

Yes. Marshmallow Money resources are designed to be flexible.

They can be used in:

Whole-class instruction
Small group workshops
Intervention or support programs
Extension and enrichment activities
Homework or family engagement tasks
Independent student investigations

This flexibility allows teachers to adapt learning to different classroom needs, abilities, and contexts.

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I’m a mathematics teacher. How can Marshmallow Money support financial mathematics and applying formulae?

Marshmallow Money is designed to help students connect mathematical concepts with real-world financial decisions.

Across the book series, students are introduced to a wide range of financial mathematics concepts, formulas, worked examples, and applied problem-solving activities that support both mathematical understanding and financial capability.

Depending on the book and learning level, students may work with formulas such as:

Simple Interest and Compound Interest in Saving
Future Value of an Annuity and Present Value of an Annuity in Saving, Superannuation, and Buying a Car
Loan Repayment calculations in Buying a Car
Annual Equivalent Rate (AER) in Saving
Loan-to-Value Ratio (LVR) in Investing
Total Return, Dividend Yield, and Price-to-Earnings (P/E) Ratio in Investing
Tax Brackets and HECS/HELP Repayment Thresholds in Tax

These formulas appear across the series as part of authentic financial decision-making scenarios, allowing students to apply mathematical thinking to real-life contexts such as saving for goals, comparing loans, evaluating investments, understanding income tax, or planning for retirement.

Beyond formal formulas, Marshmallow Money also includes many worked examples and activities that strengthen core mathematical skills, including:

Percentage calculations (discounts, mark-ups, interest, inflation, tax, returns, and budgeting)
Ratio and comparison tasks
Ranking and sorting financial options based on evidence
Interpreting tables, repayment schedules, and financial statements
Reading and analysing charts, graphs, and data displays
Applying order of operations in financial calculations
Estimation, mental maths, and checking whether answers are reasonable

By embedding mathematics within meaningful financial decisions, Marshmallow Money helps students move beyond procedural calculations and develop confidence in applying mathematical reasoning to everyday life.

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I have a culturally diverse classroom. How does Marshmallow Money support different perspectives on money?

Marshmallow Money recognises that money is not experienced, understood, or discussed in the same way by every family, culture, or community.

Students bring different experiences to the classroom, shaped by family values, cultural traditions, migration journeys, community responsibilities, religious beliefs, financial stress, privilege, opportunity, and different levels of access to financial systems.

That is why Marshmallow Money is designed to support multiple perspectives, rather than presenting one “correct” way to think about money.

Across the series, students encounter characters, stories, and case studies that explore questions such as:

What does wealth mean in different communities?
How do families make decisions when resources are limited?
How do cultural values shape saving, spending, sharing, or supporting extended family?
What happens when financial systems work well, and what happens when they fail to protect people?
How do different communities think about land, resources, trade, sustainability, and long-term responsibility?

Marshmallow Money does not assume that financial success looks the same for everyone, nor does it present financial education solely through an individual or consumer lens.

While students do learn how modern financial systems operate, including banking, taxation, investing, employment, and consumer decision-making, our resources also encourage learners to critically examine the systems behind those choices.

This includes opportunities to explore:

Traditional systems of trade, reciprocity, and resource stewardship
Community-based decision-making and shared responsibility
Consumer rights, fairness, and systems accountability
Sustainability and intergenerational thinking
The social, cultural, and ethical dimensions of economic decisions

Rather than promoting a single economic worldview, Marshmallow Money encourages students to ask thoughtful questions, compare perspectives, and understand that financial decisions are shaped by culture, context, systems, and values.

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I’m a Year 6 teacher exploring influences on spending. How can Marshmallow Money extend my classroom learning?

Many upper primary teachers introduce students to the factors that influence spending decisions, such as advertising, peer influence, branding, packaging, emotions, and personal preferences.

Marshmallow Money helps extend this learning by moving beyond what influences spending to exploring how those influences shape real-world consumer decisions.

In the Spending book, students investigate questions such as:

How do emotions influence spending decisions?
What role do peers, trends, influencers, and social media play in consumer choices?
How do advertising, branding, colours, placement, pricing strategies, and packaging influence behaviour?
How do online environments use algorithms, targeted advertising, notifications, rewards, or subscription models to encourage spending?
How do values, culture, family priorities, and financial circumstances influence what people choose to buy, or choose not to buy?

Students also explore broader consumer concepts such as:

Needs vs wants
Opportunity cost and trade-offs
Delayed gratification
Impulse buying and behavioural biases
Consumer rights, fairness, and deceptive design
Sustainability and the environmental impact of consumption

Through characters, scenarios, discussion prompts, data interpretation, and real-world case studies, students are encouraged to think critically about not just what they buy, but why they buy it.

For teachers, this creates opportunities to extend classroom discussions across:

Financial literacy and consumer awareness
Critical and creative thinking
Media literacy and digital citizenship
Health and wellbeing
Economics and social decision-making

Marshmallow Money helps students move from simply identifying spending influences to becoming more thoughtful, informed, and reflective consumers.

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I’m a Digital Technologies teacher. Can Marshmallow Money support my classroom learning?

Yes. While Marshmallow Money is primarily a financial education resource, many of the topics explored in the books connect naturally with digital technologies and the online environments young people navigate every day.

Depending on the book and learning level, students may explore topics such as:

Online advertising and how digital platforms influence consumer decisions
Social media, influencers, and targeted marketing
Subscription models, in-app purchases, and digital spending habits
Scam awareness, phishing, and recognising suspicious online behaviour
Digital payments and how technology is changing the way people spend and manage money

These topics are introduced through characters, case studies, discussion prompts, and real-world examples, helping students think critically about the connection between technology, consumer behaviour, and financial decision-making.

For Digital Technologies teachers, Marshmallow Money can provide real-world scenarios that support classroom discussions about online behaviour, digital safety, ethical design, and how technology shapes everyday choices.

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I’d love to share ideas and learn how other teachers are using Marshmallow Money. Is there a teacher community?

Yes. Marshmallow Money is building a community of educators who are passionate about helping young people develop financial confidence, critical thinking, and real-world life skills.

Our private educator community is designed as a space where teachers can:

Share lesson ideas and classroom activities
Learn how other educators are using Marshmallow Money across different year levels and learning areas
Explore cross-curricular teaching ideas in mathematics, economics, wellbeing, careers, and consumer education
Ask questions about implementation, differentiation, or classroom discussion strategies
Hear about new books, worksheets, teaching resources, and upcoming projects

Whether you're teaching financial mathematics, consumer awareness, spending influences, taxation, or future planning, the community is a place to connect, collaborate, and learn from other educators.

Join the Marshmallow Money Educator Community here:

www.facebook.com/groups/marshmallowmoneyeducators/

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Parents & Homeschool

I’m not a finance expert. Can I still use Marshmallow Money with my child?

Absolutely. Marshmallow Money was designed for young people and the trusted adults who support them, whether those adults have a background in finance, education, or business.

The books use relatable characters, real-world examples, guided questions, and age-appropriate explanations to make money conversations easier and less intimidating.

You do not need to have all the answers. In many cases, learning together can be one of the most valuable parts of the experience.

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When should I start teaching my child about money?

Money learning often begins much earlier than people realise. Children observe spending, saving, shopping, advertising, digital payments, and conversations about money from a young age. These everyday experiences help shape early beliefs, attitudes, and habits.

That is why Marshmallow Money supports financial learning as a developmental journey, from early money habits and consumer awareness through to investing, taxation, superannuation, and long-term financial planning.

There is no “perfect age” to start. The best time is when children begin asking questions, noticing choices, or showing curiosity about how money works.

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How do I know which book or learning level is right for my child?

Marshmallow Money resources are organised into three learning levels:

Financial Foundations: Early money habits, needs and wants, saving, spending, goal setting, budgeting, taxation and consumer awareness.

Financial Independence: Practical information and tips for important financial decisions, such as buying a car, buying a property, and starting a business.

Rather than focusing only on age, we encourage families to choose resources based on curiosity, maturity, confidence, and life experience.

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Can siblings of different ages use the same books together?

Often, yes. Many Marshmallow Money books include stories, discussion prompts, worked examples, and real-life scenarios that can spark conversations across different ages.

Younger learners may focus on the story, characters, and everyday decisions, while older learners may engage more deeply with the mathematics, economic concepts, consumer issues, or systems thinking.

Families often find that the richest learning happens when children hear different perspectives and discuss decisions together.

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How do Marshmallow Money books support homeschool learning?

Marshmallow Money can support homeschool learning across multiple subject areas, including:

Financial literacy and consumer education
Mathematics and financial mathematics
Economics and social studies
Goal setting and personal development
Critical thinking and real-world problem-solving

The books are designed to support discussion, reflection, worked examples, independent learning, and practical application.

Many homeschool families also use Marshmallow Money to connect learning with everyday life, such as budgeting for groceries, comparing prices, planning savings goals, understanding tax, or discussing advertising and online spending.

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We come from a different cultural or financial background. Will the books still feel relevant?

Yes. Marshmallow Money recognises that every family experiences money differently.

Family values, cultural traditions, migration experiences, community responsibilities, financial stress, religious beliefs, and different life opportunities can all shape how people think about money.

That is why Marshmallow Money uses stories, characters, and case studies that encourage learners to explore different perspectives, ask thoughtful questions, and recognise that financial decisions are shaped by values, culture, systems, and lived experience.

The goal is not to teach one “correct” way to manage money, but to help young people think critically, act thoughtfully, and make informed decisions in their own lives.

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Are more Marshmallow Money books and resources coming?

Yes. Marshmallow Money is designed as a growing learning series, with new books, worksheets, classroom activities, and teaching resources planned over time.

Our long-term goal is to support learners from early money habits through to adult financial decision-making, with resources covering saving, spending, tax, investing, superannuation, consumer rights, scams, and financial wellbeing.

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Schools & Organisations

Can schools, libraries, or organisations purchase Marshmallow Money resources?

Yes. Marshmallow Money resources are designed for a wide range of educational and community settings, including schools, libraries, homeschool networks, youth programs, wellbeing services, community organisations, and professional learning environments.

Our books and resources are designed to support financial literacy, financial capability, consumer awareness, financial wellbeing, and real-world life skills across different ages and learning contexts.

Whether you're purchasing for a classroom, school library, wellbeing program, careers initiative, or community project, Marshmallow Money can support meaningful and engaging financial learning.

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Do you offer bulk purchasing for schools or organisations?

Yes. Bulk purchasing is available for schools, libraries, education providers, and organisations looking to purchase multiple copies of books or classroom resources.

Bulk orders may be suitable for:

Classroom sets
Year-level programs
School libraries
Financial literacy or wellbeing initiatives
Careers and transition programs
Community education projects
Staff professional learning or parent engagement programs

If you're planning a larger order, please contact us to discuss your needs.

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Can schools order using an invoice or purchase order?

Yes. Marshmallow Money understands that many schools, libraries, and organisations use internal purchasing systems. Where appropriate, we can support orders using purchase orders, invoices, or approved procurement processes. Please contact us before ordering if your organisation requires a specific purchasing process.

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Can Marshmallow Money support student wellbeing, pastoral care, or career readiness programs?

Yes. While Marshmallow Money supports curriculum learning, many schools and organisations also use the resources to support broader student development.

Topics such as goal setting, delayed gratification, work, income, budgeting, scams, consumer awareness, risk, financial stress, and long-term planning can support:

Student wellbeing programs
Pastoral care and mentoring
Careers education and employability programs
Senior transition and independent living programs
Alternative education or flexible learning settings

Our goal is to help young people build both financial confidence and life readiness.

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Can Marshmallow Money support culturally diverse or community-based learning programs?

Yes. Marshmallow Money recognises that money is shaped by culture, community, values, opportunity, and lived experience. Our resources use stories, case studies, and discussion-based learning to support diverse perspectives and meaningful conversations across different cultural, educational, and community settings.

This can make Marshmallow Money a valuable resource for multicultural education, community learning, intergenerational conversations, and programs focused on inclusion and belonging.

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I’ve been asked to set up a financial education program at my school or organisation. How can Marshmallow Money help?

Designing a financial education program can feel overwhelming—especially when learners have different ages, backgrounds, confidence levels, and life experiences.

Marshmallow Money is designed as a developmental learning pathway, which can help educators and organisations build a program that grows with learners over time.

Our three learning levels can support program design:

Financial Foundations: Early money habits, needs and wants, saving, spending, goal setting, budgeting, taxation and consumer awareness.

Financial Independence: Practical information and tips for important financial decisions, such as buying a car, buying a property, and starting a business.

This allows schools and organisations to design programs based on learner readiness, life stage, and learning goals, rather than relying on a one-size-fits-all approach.

When designing a financial education program, we encourage organisations to think about:

Who are your learners?
What are their ages, experiences, goals, and existing financial knowledge?
What outcomes are you trying to achieve?
Are you focusing on saving habits, consumer awareness, financial maths, scam prevention, career readiness, or long-term financial wellbeing?
What learning contexts will you use?
Whole-group workshops, classroom teaching, mentoring, family engagement, independent learning, or community-based programs?
How will learners apply what they learn?
The strongest financial education programs often include real-world discussion, case studies, reflection, and opportunities to practise decision-making.

Because Marshmallow Money uses stories, characters, worked examples, discussion prompts, and real-life case studies, the resources can help facilitators create learning experiences that feel practical, safe, and engaging.

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Digital Downloads

What digital resources does Marshmallow Money offer?

Marshmallow Money is gradually building a library of digital resources designed to support learning at home, in classrooms, and in community settings.

Depending on the resource, digital downloads may include:

Student worksheets and activity sheets
Worked solutions and answer guides
Review quizzes
Classroom discussion prompts
Extension and revision activities
Goal-setting templates and reflection activities
Financial maths practice tasks
Teacher support materials

New resources are added over time as the Marshmallow Money series grows.

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Are digital downloads included with the books?

Some books may include companion digital resources, while others may have optional downloadable activities available separately.

Where digital resources are included, this will be clearly stated on the product page.

We want families, teachers, and organisations to have flexibility in choosing the resources that best suit their learning needs.

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How do I access my digital downloads after purchase?

After completing your purchase, you will receive an email with instructions on how to access your digital files.

Please make sure you enter the correct email address at checkout and check your spam or promotions folder if your download email does not arrive straight away.

If you experience any issues, please contact us and we’ll be happy to help.

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What format are digital downloads provided in?

Most Marshmallow Money digital resources are provided in easy-to-use formats such as PDF, designed for viewing, printing, or classroom use.

As the resource library grows, additional formats may become available depending on the learning activity.

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Can I print my digital resources?

Yes. Most digital downloads are designed to be printable for personal, classroom, homeschool, or organisational use.

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Can I share digital downloads with other teachers or families?

Marshmallow Money digital resources are created with a great deal of care, research, and time.

When you purchase a digital resource, it is intended for your personal use, your classroom, your homeschool program, or your organisation.

We kindly ask that you do not upload, resell, or publicly share digital files online, as this helps protect the work behind the resources and supports the ongoing development of new books, worksheets, and educational materials.

If a colleague, school, or friend would like to use Marshmallow Money resources, please encourage them to purchase their own copy or get in touch about larger school or organisation orders.

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I purchased a download but can’t find my files. What should I do?

First, check your inbox, spam folder, promotions folder, or school email filters. If you still can’t locate your files, please contact us with your order details and we’ll help you access your purchase.

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Will more digital resources be added in the future?

Yes. Marshmallow Money is designed as a growing educational ecosystem, with new worksheets, teacher guides, worked examples, classroom activities, and support materials planned over time.

To hear about new digital releases, educator resources, and upcoming projects, join our educator community or subscribe to updates.

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Shipping & Returns

Where does Marshmallow Money ship?

Marshmallow Money currently ships across Australia, with international shipping options to be explored as the business grows.

Shipping availability and delivery options will be shown at checkout.

If you're ordering from outside Australia and would like to access Marshmallow Money resources, please get in touch.

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How long will my order take to arrive?

Orders are usually packed and dispatched within a few business days. Delivery times will vary depending on your location, shipping provider, and seasonal demand.

Once your order has been shipped, you’ll receive tracking details (where available) so you can follow your delivery. Please allow extra time during school holidays, public holidays, or major release periods.

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How much does shipping cost?

Shipping costs are calculated at checkout based on your location, order size, and delivery method. Any special shipping promotions or free shipping offers will be clearly displayed on the website.

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Do you offer tracking?

Where tracking is available, tracking details will be provided after your order has been dispatched. If you have not received tracking information, please check your email inbox, spam folder, or promotions folder first.

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My order arrived damaged. What should I do?

We take great care in preparing each order, but occasionally items may be damaged in transit. If your order arrives damaged, please contact us as soon as possible with your order details and photos of the damaged item and packaging. We’ll work with you to find a fair solution.

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My parcel hasn’t arrived. What should I do?

If your parcel hasn’t arrived within the expected delivery timeframe, please first check your tracking information (if available). If you still need help, contact us with your order details and we’ll help investigate.

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Can I return a product if I change my mind?

Because Marshmallow Money products include educational resources, books, and digital content, change-of-mind returns may not always be available.

If you’re unsure whether a resource is right for you, please explore the product descriptions, FAQs, or contact us before ordering. We want families, teachers, and organisations to feel confident in their purchase.

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What if I ordered the wrong item?

Mistakes happen. If you notice an issue with your order, please contact us as soon as possible. If your order has not yet been packed or shipped, we may be able to help make changes.

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Can schools or organisations place larger orders?

Yes. Schools, libraries, and organisations are welcome to place larger or bulk orders.

If you’re planning a classroom set, school-wide initiative, or community program, please get in touch to discuss your needs.

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