Dollarsmart is a money guide for teens with information about setting goals and budgeting with examples. They talk about the 3 Rs of money:
1. Be realistic - unless you inherit a fortune, you are likely to have a limited amount of money
2. Be responsible - don't waste your money
3. Show restraint - you can't buy everything you want (or you'll end up in a lot of debt).
You can find the document at www.beachsidefinancial.com.au.