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Michelle Bowes

Author, Curriculum Specialist, Inspirational Speaker, Journalist, Social Issues

Personal finance journalist, author, and mother of two teenage girls, Michelle Bowes believes the solution to overcoming the money challenges women face is for them to start learning about money – and putting good habits in place – as soon as they start earning it, in their very first casual job. 

Her mission is to teach all teenage girls how to be money queens, by showing them how to avoid the gaps, traps and mishaps and giving them the tips and tools they need to rule their money.

Where were you born?

I was born in Melbourne, but I now live in Sydney, via London.

What other jobs have you had?

As a teenager I worked in a range of casual jobs, from fast food to supermarkets, and clothing stores to call centres. After finished uni I landed my dream job as a cadet business journalist and have written about business and finance ever since.  

What themes are recurring in your work?

The gender pay gap, the gender retirement gap and financial abuse are all themes I’m interested in, from the perspective of helping people understand what they are, why they occur and things to consider if you want to avoid them. I’m also on a mission to help people get a better understanding of their personal finances, especially super and investing.

Where have your works been published?

Mamamia, Kidspot, The Guardian, BRW, The Australian, Your Money and Your Life, Kiddo Magazine, Mumlyfe, Somewhere BeTween, Really Simple Money, Women’s Day.

What are you passionate about?

Empowering teenage girls to be financially savvy, in order to live a life filled with maximum choices.


As high school students embark on their lives after school, it’s so important to prepare them for the realities of life – and money is a big part of this. Michelle explained complicated financial issues, such as debt, budgeting, superannuation clearly, with realistic examples (and humour!). Her presentation also covered the gender disadvantages women may face when it comes to money, making it an excellent fit for our 17-year-old girls and empowering them with the knowledge to take control of their financial future. It inspired me too!

—P. Zingales, PLC Sydney 2022

Michelle’s visit as part of our Book Week celebrations had our junior school girls excited and interested in the topic of money! Her presentation was perfectly pitched to engage our students, with lots of relatable examples and opportunities for the girls to get involved. It’s never too early to start money education and setting young people, particularly girls, on the path to financial empowerment. We are already planning our next visit with Michelle so she can lead our students on a deeper dive into the world of money.

—L. Martin, St Catherine's School 2022

Michelle Bowes from Money Queens gave an engaging presentation to St Catherine’s students that was informative and extremely relevant. She addressed topics such as the importance of budgeting, money and gender and financial abuse. She incorporated relevant examples that were tailored to the interest of the audience. Michelle was interactive with the audience, allowing for ample questions to be asked and answered. She also created excitement when providing a free copy of her book for the student that had a sticker under her seat. This presentation addressed financial literacy in an easy to understand way, even if a student had no prior knowledge on the topic. I would highly recommend this presentation.

—S. Jabaji, Head of Social Sciences, St Catherine’s School 2022

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