If your bank balance is constantly at $0 and you're constantly asking your parents for money and scabbing off your friends, perhaps it's time to do a budget.  It's very helpful to write down what you spend you money on each week and see if there are any areas you could cut out or reduce.  There are several good apps that are free.  Here are some recommendations:
1. Wally - helps you understand where your money goes, you can set financial goals.
2. Daily Budget - allows you to set a daily budget and create wishes for large purchases.
3. Quick Money Recorder - simple to use, helps keep track of your what you spend your money on.
4. Toshl Finance - this award winning app helps you manage your money.

I don't normally share long YouTube videos but this one is good.

Check out this great article by Janine Ripper about ways to look after yourself when life gets hard.  You can find it here. I like number 31.

So you want to change the world but don't know where to start.  How bout joining the United Nations Youth Australia.  According to their website, "UN Youth Australia is run entirely by a team of over 1,000 extremely dedicated volunteers, all aged 16-25. We are one of the only organisations brave enough to empower young people with skills in education, in design, in leadership, in organisation, in diplomacy and in negotiation to execute their vision."
If you'd like to find out more, check out their website https://unyouth.org.auunyouth.org.au.

If you're having a little trouble finding a ball dress for your School Ball or haven't started looking yet consider these handy tips:

• set yourself a budget;
• keep an open mind - don't get fixated on a particular colour or style;
• try on lots of different colours and styles - most dresses look better on than they look on the hanger;
• start shopping early;
• don't forget about accessories such as shoes, clutch, strapless or backless bra and jewellery;
• www.schoolballs.com.au also has advice on buying dresses online.