10 ways a stay at home mum can earn extra income

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Page 1: 10 ways a stay at home Mum can earn extra income

10 WAYSA STAY AT HOME MUMCAN EARN EXTRA INCOME

> MARTINCOllEgE.EdU.AU

Page 2: 10 ways a stay at home Mum can earn extra income

2

INTROdUCTION 3

1. BECOME A MUMpRENEUR 4

2. BECOME A pARTY CONSUlTANT 6

3. ETSY STORE 7

4. BABYSITTINg 9

5. TUTORINg 10

6. BECOME A VIRTUAl ASSISTANT 11

7. pARTICIpATE IN fOCUS gROUpS 13

8. AffIlIATE MARkETINg 14

9. BlOggINg 15

10. fREElANCE 17

CONTENTS

WAYS A STAY AT HOME MUM CAN EARN EXTRA INCOME

> MARTINCOllEgE.EdU.AU

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3

> MARTINCOllEgE.EdU.AU

INTROdUCTION.

Being a stay-at-home mum is, undoubtedly, a fulltime role in itself. With so many commitments alongside motherhood, it can sometimes feel daunting and, in some instances, not feasible to add work to the mix. But if you’re eager for financial freedom, ways to keep your mind active and keen to stay in the ‘career game’, there are a range of flexible work-from-home options suitable for mums.

Martin College has compiled a list of the 10 best ways stay-at-home mums can manage motherhood with working at home, and comfortably earn a sufficient living. From being a mumpreneur, affiliate marketer, tutor, virtual assistant to freelance writer and designer, there is a broad range of options available.

We offer our advice on what the work entails, how to get started, potential earnings, and the additional study or training that can assist you in your new venture.

As you browse the pages, consider the type of work that will complement your existing skill-set, interests and family life. Asking questions about what else you may need to be successful in the role will ensure that you make the best choices to kick-start your career as a work-at-home mum.

learn more

Page 4: 10 ways a stay at home Mum can earn extra income

BECOME A MUMpRENEUR

Q&A’S fOR BECOMINg A MUMpRENEUR

A “mumpreneur ” is the latest buzzword that

describes a mum who starts a business from

home. According to the Australia Bureau of

Statistics, home-based businesses are the

fastest growing segment within the small

business sector in Australia, with women three

times more likely than men to start their own

venture.

Becoming a successful mumpreneur isn’t an

easy feat. It requires careful planning, finding

your niche, lots of patience and a little bit

of luck. However, the results from doing it

right can make it well-worth it and there are

countless success stories of mumpreneurs who

are contributing greatly to household incomes,

whilst balancing family life.

Here are the answers to some burning

questions you might have about becoming a

mumpreneur...

WHAT dO I NEEd TO gET STARTEd?

Becoming a mumpreneur is an exciting time, you’ll have the opportunity to form

a business idea and start turning this into a reality. You may already have ideas on what your business could be, but if not, opt for

something that you are truly passionate about

and something that you could see yourself doing

long-term. It may be helpful to list hobbies and

jobs you excel at and then formulate a plan on

how you could create a successful business out

of those skills.

Mumpreneurs have started businesses in

various industries including craft, food, art,

virtual assistant services, bookkeeping,

accounting and writing. Don’t forget to consider

the amount of hours you can commit to a

business, as this may influence the type or scale

of the business you choose.

4

idea #1

HOW STUdY CAN HElp

A Business, Management or

Marketing course can give you the

fundamental skills and knowledge to

succeed in your endeavour. There are

wide variety of online courses available

that will still allow you the flexibility to

balance family life with study.

Page 5: 10 ways a stay at home Mum can earn extra income

HOW MUCH MONEY dO I NEEd?

This really depends on the type of business you

are planning to create. It is more than possible

to start a successful business with less than

$1,000 and it can be better to start small and

slowly build your business then to overcommit

and take on a bigger risk. However, as your

business grows, it will be expected that more

money will be required to support that growth.

You will need to take into account the following:

» The setup required at home for your

business i.e. office equipment, software and

furniture

» The costs of acquiring the goods you are to

sell (or costs involved in providing a service

if you choose a service based business)

» Licenses and insurance if required

» Ongoing bills like internet, telephone and fax

» Marketing costs will be essential in getting

the word out there. You will need to consider

what’s right for your business. Advertising

may include print such as flyers and ads

in local papers, online advertising, email,

website, social media or other relevant

channels.

To have a clearer picture on how much money

to set aside for the business, try obtaining

several quotes from potential suppliers and

research competitor pricing.

IS IT NECESSARY TO HAVE A BUSINESS plAN?

It’s good to start off with a plan so that you know

exactly what you want to achieve and have

set a time frame in which to achieve it. A good

business plan is not set in stone. It should be

flexible enough to evolve as the nature of your

goals or business changes.

HOW dO I pRIORITISE fAMIlY ANd BUSINESS?

Mumpreneurs need to set realistic goals about

how they are going to juggle motherhood

with creating and running their own business.

The great thing is, you will be your own boss,

so you need to create a schedule that allows

you to work and take care of your family

simultaneously. It’s also important to establish

a support network with family and friends –

especially if you’re business really starts to

take-off.

USEfUl lINkS

There are many sites available that assist aspiring mumpreneurs including:

www.huggiesmominspired.com

www.mumpreneursonline.com

Spend some time researching the plethora of

resources available at your fingertips before

diving into your own business.

5

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BECOME A pARTY CONSUlTANT.

If you’re a social butterfly who loves to host a

good event, then becoming a party consultant is a

great way to work from home and earn additional

income. This role has everything rolled up into one

– shopping, socialising, friends and money – and

the best part is you can host it from the comfort of

your own home.

IT’S MY pARTY… A party consultant is responsible for hosting a party

on behalf of a company, to promote their products.

Full training is usually provided and all you have to

do is play the perfect host. You earn commission

on sales and receive a fee for hosting the event.

Working as a party consultant can include great

perks such as access to the hottest new products,

free gifts and discounted shopping plus flexible

work hours. Not to mention the opportunity to

spend time with your friends, promoting something

that you are passionate about.

pARTY fAVOURS

Work opportunities exist with a number of different

party consultant companies all around the world

with countless products to choose from. You can

throw a party selling makeup, clothes, jewellery,

books, food and lingerie for example. For the best

chance of success, pick a product or service that

you and your audience will be interested in.

gETTINg THE pARTY STARTEdThere are a number of websites where you can

learn more about becoming a party consultant

such as Partyplans.com.au. There are a number

of well-established businesses such as Avon, the

Body Shop and Under Cover Wear to consider.

It is important to pick a product that you are

enthusiastic about, so that it will be easy to

convince your customers to purchase it.

USEfUl SITES

www.partyplans.com.au

www.thebodyshop.com.au/ TheBodyShopAtHome.aspx

www.findthatpartyplanau.net

www.avon.com.au

www.partylite.com.au

6

idea #2

HOW STUdY CAN HElp

If you’re unsure about how to

successfully run an event, you may want

to consider studying an online course in

Events Planning or Marketing.

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ETSY STORE.

SIX EASY STEpS fOR ETSY au.etsy.comStay-at-home mums with a creative flair can

explore their talent and earn some extra cash

with their very own Etsy store. This online

marketplace offers a great opportunity for

mother’s to easily sell their own products and

grow their own business. Etsy is currently home

to over 400,000 active sellers.

1. EXplORE YOUR TAlENTUtilise your talents in sewing, craft, jewellery

making, clothing, or knitting and find a niche

– it will be important to produce something

unique to ensure your product is competitive

in this space. Finding something that you are

passionate about will ensure quality products for

potential buyers.

2. CREATE A plAN

Though it can be fun creating and selling your

own items, it won’t mean much without a solid

and well researched business plan. It’s essential

to spend some time working out exactly what

you want to achieve from your online store.

Ask yourself:

» Do you want to make this a full-time job or is

it just a cash on the side venture?

» How can you make your store and items

unique?

» How much time can you dedicate to your

store?

» How can you promote your store?

A business plan is a great way to set your goals

and then monitor how you are tracking against

these goals, whilst managing your time and

budget.

3. MAkE SURE THE pRICE IS RIgHT

When selling your goods, there’s definitely a

correct and fair way to price. Though you might

be tempted to under-price your items to attract

more customers, compensating for your time

and talent accordingly should be top priority.

According to the Etsy Blog article, “A Simple

Formula for Pricing Your Work”, you should use

the following formula:

Materials + Labour + Expenses + Profit = Wholesale x 2 = Retail

7

idea #3

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4. THE MONEY SHOT

Image is everything on a site like Etsy, so ensure that the pictures you use to advertise your products

are immaculate. You don’t have to be a professional photographer, but take advantage of the tips and

tricks available via the Etsy blog and other online forums. Additionally, make sure you describe your

items in colour and interesting prose to entice buyers and to complement your images.

5. BUIld YOUR BRANd & NETWORk

Networking is vital to growing your brand and store. Become part of the Etsy community and join

external sites such as forums.

Promote your via multiple marketing channels including a blog (if you have one), word of mouth, and/

or social media.

6. AN OldIE BUT A gOOdIE: EBAYIf creativity isn’t necessarily your strong suit, you can try selling items on eBay. Create an eBay store

and clean out items you don’t need anymore. This may not be a long term investment, but it can offer

short term cash solutions.

8

HOW STUdY CAN HElp

A Marketing course will equip you with the knowledge on how to

promote your business and help it to grow.

Page 9: 10 ways a stay at home Mum can earn extra income

BABYSITTINg.

Becoming a babysitter can be a great way to combine

your passion for children and make some extra

money. It also allows your own child to make new

friends and assists in their growth and development.

gETTINg STARTEd

The best way to get started will be to ask around

within your circle of friends or local neighborhood.

Word of mouth is your best bet for getting customers,

so check with your friends and friends-of-friends to

see if they are in need of a babysitter. You can also

create an ad online or in your local paper, ensuring

that your respondents live locally.

There are a number of online agencies like

babysittersrus.com.au that you can join. You

will become one of their resources and people

will be able to search and find you when

looking for babysitters in their local area.

WHAT YOU’ll NEEdYou won’tneed a lot of equipment to get

started. As a mum, you’ll probably already be

equipped with everything you need.

Safety is very important. Ensure objects on

the floor are cleared, medicine is stored away

from children’s reach, safety covers on power

points and you have a first aid kit.

You’ll also need oodles of passion and

patience, which you’ll be well-versed in

already. Although not a necessity, CPR is a

good qualification to have under your belt, and

with some agencies this is a requirement.

THINgS TO dO

Explore your creativity and come up with

activities that make you the best babysitter

in town! Art, craft, cooking, reading, acting,

singing, dancing, exercise – are all great

activities to keep the kids occupied and content.

WORkINg HOURS & pAY RATE

As a babysitter you can set your own hours

of work. You can stipulate in your ad that you

prefer to babysit from your own home.

In terms of pay, it can vary greatly. You may

choose to charge per hour, with additional

rates for more than one child or set a flat rate

for the whole time depending on the amount

of children. Some sitters also set a minimum

number of hours and on Sundays and Public

Holidays you can expect to charge a higher

rate. You’ll want to ensure that the cost is

reasonable for your clients so to get an idea on

how much to charge, obtain quotes from other

babysitters in your local area. Since you will be

doing it from your own home, it will be a low

cost set up for you. 9

idea #4

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4 EASY STEpS TO TUTORINg.

If you have a passion for educating children and

want to earn money at home, tutoring may just be

the answer.

1. USE YOUR QUAlIfICATIONSWhen electing a career in tutoring, ensure you

pick a subject that you are qualified to teach and

passionate about. The most popular subjects

include Math, English, Science, and a foreign

language. Again, this will depend on the student/

age group you choose to tutor. You should always

start in your field of expertise and then branch out

to other subjects once you have established a solid

client base.

2. SET YOURSElf Up

In terms of your classroom, you have two options:

real or virtual. Feel free to set-up your home as

the tutoring space, but also explore your online

options through communication tools such as

Skype or webcam. Online tutoring allows you

more flexibility to work around your schedule and

potentially expands your client base to other cities

and towns.

3. fINd YOUR ClIENTSYou will need to spend some time sourcing clients,

so consider the age range you plan to tutor and

where you might approach them. You can utilise

your social network by asking your circle of

friends and family, or alternatively advertise in

your local school newsletter or paper. There are a

number of online tutoring services including Tutor.com, Tutorvista.com and Eduwizards that look

for freelance tutors. You could also search through

online forums or other mum-friendly sites.

4. SET Up A SCHEdUlE & RATE

The best part about tutoring is you can create your

own schedule. Most parents prefer after-school

tutoring as opposed to weekend or evening, so be

prepared to create a schedule with that in mind.

Be sure to create a schedule you can adhere too

because cancelling won’t look good. As for rates,

$20 per hour is generally a good starting point,

but this can be adjusted to suit your skill set and as

your abilities increase.

USEfUl lINkS

Tutor.com

Tutorvista.com

Eduwizards.com

10

idea #5

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VIRTUAl ASSISTANT.

If you have prior experience working as an

administrator or as an assistant, becoming a

Virtual Assistant (VA) is a great way to utilise

your skills from the comfort of your own

home. Internet communication tools such as

email, webcam, Skype and Google Chat have

given mums unprecedented flexibility, and the

ability to communicate with customers and

co-workers in an effective and efficient way.

WHAT YOU NEEdIf you’ve got a good internet connection,

computer and admin skills, you’re on your

way to a VA career.

WHERE TO fINd WORkOnce you have the essential skills and

equipment on hand, check out the various job

sites that advertise VA positions. You’ll find

jobs advertised on sites such as Freelancer,

Elance, Virtual Assistant Australia, oDesk,

Guru and Behance Network.

THE WORkGenerally, a VA works as an independent

contractor, completing administration

and secretarial tasks online. There are

opportunities to be hired across different

industries and occupations including Real

Estate, Accounting, Executive Assistants,

Medical Transcription Assistants, Legal

Assistants and Marketing Assistants.

Your tasks will vary accordingly, but may

include:

» Booking flights, accommodation,

reservations

11

idea #6

Page 12: 10 ways a stay at home Mum can earn extra income

» Emailing tax invoices

» Data entry

» Word Processing

» Customer service

» Transcribing

» Social media

» Web design or graphic design assistance

HOURS ANd pAY

The benefits of being a VA include being able to work in your own home and employers are generally

flexible with work hours. VAs tend to be paid on a hourly rate, depending on your experience, skills,

and industry. In terms of salary, rates are adjustable based on experience and industry, but generally

range from $15-$60 an hour.

12

HOW STUdY CAN HElp

A qualification in Business or Management can provide skills essentials to administrative

assistants such as project management, time management and effective communication.

A course in IT can give you fundamental skills in word processing functions and an

understanding of technology that would be useful when operating in a virtual environment.

USEfUl lINkS myvirtualassistant.net.au

thevirtualassistant.com.au

www.freelancer.com.au/work/virtual- assistant-jobs-australia

virtualangels.com.au

www.avaa.asn.au

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pARTICIpATE IN A fOCUS gROUp.

If you want some stimulated discussion, love

expressing your opinion and want to get paid for

it, taking part in a focus group maybe ideal for

you.

WHAT IS A fOCUS gROUp?Focus groups are a form of market research that

helps companies and manufacturers in creating

or improving products and services. You can

take part in a focus group about almost anything

and you are asked about your views, opinion,

beliefs and attitudes towards what the company

has on offer.

WHAT dOES IT INVOlVE?

Participating in a focus group usually involves

a bit of travelling, but they are usually held in

major capital cities. A researcher will guide

the discussion, and the focus group will be

required to answer questions and talk about

the product amongst the group. There are also

ways – through use of webcams and Skype – to

participate in online focus groups. Check out

www.onlinefocusgroup.com.au for more

information.

HOW MUCH CAN YOU EARN?

Pay will vary based on the focus group you are

participating in, but there is the possibility to

earn $50-$100 for an hour’s worth of discussion.

HOW TO gET STARTEd

Perform a Google Search on focus groups

located in Australia and sign up. Your name will

be placed on a list, and you will then be called

upon to take part in the discussions. The more

reliable and available you are, the more you’ll

be called on to participate.

USEfUl RESOURCES

www.mysurvey.net.au

www.srcentre.com.au

paidfocusgroups.com.au

onlinefocusgroup.com.au

13

idea #7

Page 14: 10 ways a stay at home Mum can earn extra income

AffIlIATE MARkETINg.

THE 5 W’S ANd H Of AffIlIATE MARkETINgWith the burgeoning online market, there are

various ways that stay-at-home mums can make

money by simply owning a computer and an internet

connection. One of these is affiliate marketing – an

almost automatic job that requires little attention but

has great earning potential.

WHAT?Affiliate marketing involves promoting other people’s

goods on the internet. It doesn’t involve any selling

on your part – you’re just acting as a conduit between

the seller and the consumer. As an affiliate marketer,

you’re responsible for putting the customer in touch

with the seller’s site. Every time a sale is made

through your efforts, you get a commission.

HOW?To work as an affiliate marketer, you just need to

find the right products to promote and determine

the best channels to promote them on. Sign up

to affiliate marketing websites, such as Clickbank

to gain access to a database of products. Pick a

product you are passionate about and that you can

build an affiliate business on, then find ways to

seamlessly integrate this into your blog or website

and promote via different social media channels

including Facebook or Twitter.

You will be given a tracking link to incorporate

on your site so that the company can monitor

how many enquiries you are receiving and the

traffic from your site. It’s also important to have

a strategy in place so that you receive the most

benefits from your efforts.

WHO? WHERE? WHEN?Mums of all skills levels can partake in affiliate

marketing. All it requires is a computer and

internet access. Schedules and location are also

flexible. If you set it up correctly, it only really

requires a few hours of attention every week.

WHY?Affiliate marketing is convenient and inexpensive

since you don’t have to worry about additional

costs – such as franchise fees, premises,

equipment or products. You just do the online

marketing using a special ‘Affiliate Link’ created

for you and the rest almost takes care of itself.

You don’t even have to deal directly with sales

or customers. Currently, the affiliate marketing

industry isn’t very prominent, so your earning

potential is great.

14

idea #8

HOW STUdY CAN HElp

A qualification in marketing can

provide you with the knowledge of how

and why we market for business to

assist you with your affiliate marketing

venture.

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5 THINgS TO kNOW ABOUT BlOggINg.

Whether you’re an avid writer or not, blogging is a

great way to express your passion and opinions on

a subject, while making some extra cash on the side.

Simply sign up to a Wordpress or Blogger account

and you can start blogging for free – and you could

earn a lot more than you bargained for.

1. fINd YOUR NICHEBlogging is a prolific activity and there are numerous

blogs on the internet about every topic under the

sun. But that shouldn’t deter you from starting one.

Pick something that you are

passionate about – food, craft, art, fashion,

beauty, books, films, motherhood – and

then create engaging and informative posts

around those topics.

2. CONTENT IS kINgA blog is only as good as its posts, so ensure

that your content is engaging, relevant and

up-to-date. If you’re passionate about your

topic, this shouldn’t be too difficult. However,

if you are struggling for ideas, you can

always have a look at other relevant blogs

and websites for inspiration.

Even if you’re not a fantastic writer, ensure

that your posts are clean written without

grammatical or spelling mistakes. It is a

good idea to have a friend or family member

provide feedback.

Look is also vital, so choose a blog layout

that reflects what you want your site to

say. There are many pre-made layouts

already accessible, but you should be able

to customise the look yourself or perhaps

enlist the help of a friend who has some

knowledge in this area.

Lastly, ensure that you are posting regularly

to keep your readers coming back for more.

3. BUIld A fOllOWINgThe first step in building a great fan following

is to produce interesting, original and regular

content. You can also create a network on

which to cross-promote your work through

inbound links, guest blogging and sites like

StumbleUpon and Digg, which aggregate

interesting content for readers.

15

idea #9

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4. MAkE SOME MONEY

Getting to the most important part of any

blogging enterprise – making money. Once you

have enough relevant and engaging content

– and a solid fan following to boot – there are

various ways to start earning cash from your

efforts. The most common ways to make money

from blogging include:

» Ads: RSS, Google AdSense

» Affiliate marketing: Advertising other

people’s products on your blog and receiving

a commission if your readers buy

» Guest blogging

» Paid product reviews

» Selling links

» Selling blog merchandise

These are only some of the many ways to

earn money, and each case is different. It is

important to keep in mind though that most

bloggers probably won’t make a fulltime living

out of just blogging. According, to ProBlogger.net, the majority of new bloggers (28%) earn

less than $10 a month. But over time and savvy

moves, it is possible to monetize your passion.

5. HAVE fUN

If you are find yourself lacking the motivation

to update your blog, then pick another topic.

Blogging about something you love should be

an enjoyable experience and it shines through

when you write about the topic. Plus it gives you

the motivation to continue posting.

16

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BECOME A fREElANCER.

For mums-on-the-go, freelancing offers you the

ability to combine your skills and experience with

the flexibility to set your own schedule.

WHY fREElANCE?The best thing about freelancing is that with the

right amount of skill, enthusiasm and dedication,

you can start working immediately – and from

the comfort of your own home. If you’re in

creative fields of writing, design, photography, art,

marketing or events, for example, it’s possible to

find regular and well-paid work.

Freelancers can enjoy a greater variety of

assignments than in a regular job. The fact that

you can choose the projects you want to work

on gives stay at home mums greater flexibility to

balance work and family.

TYpES Of fREElANCE WORk AVAIlABlE

Freelancing gigs are available across various

creative industries, so there is an opportunity for

you to explore your skills and talents.

If you’re a wordsmith, you’re in luck as most

prolific freelance jobs are in writing. If writing isn’t

your forte, there are still various jobs available

in fields as diverse as graphic design, online

marketing, social media marketing, programming,

and web design.

HOW TO BECOME A fREElANCERIf you’re starting out as a freelancer, it’s best

to pitch your ideas to different outlets as well

as create an online portfolio of your work. For

example, for freelance writing, you can pitch

creative ideas to local magazines, websites or

newspapers, or work as a copywriter.

There are also numerous sites including

Freelancer, Elance and Helium, where your

words can earn you enough cash to make a living.

Hours and rates vary depending on the project,

and with enough experience, you will be able to

set your own pay rate.

The pitfall of freelancing is that most start off

earning close to nothing and most freelancers start

on a casual or part-time basis. But it is possible –

with a solid portfolio and enough clients – to earn

enough to work as a fulltime freelancer.

17

idea #10

HOW STUdY CAN HElp

Graphic Design, Event Management and Marketing are qualifications that offer fantastic careers in freelance work.

Page 18: 10 ways a stay at home Mum can earn extra income

ElENA ZABEllERO

Advanced diploma of Marketing student, Martin College

“As a single mum of two children and working full-time, finding the time to study can be challenging… but it was made easier with Martin College’s Online Course and suggested study guides.”

Martin College understands mums are busy, so let one of our

careers education advisors assist you in exploring study options and

determining how you can meet your career aspirations with a Martin

College online course.

Contact our friendly team by phoning 1300 762 129 or by visiting

Martin College.

WHY STUdY ONlINE?

There are a number of reasons that online study can be perfect

for mums. Aside from the fact that online study provides you the

flexibility to get an education from home, it also allows you to update

your knowledge and get your mind back in the career game.

A qualification will give you the added credentials and increase

your marketability for at-home jobs. If you’re interested in being a

mumpreneur, studying an online course will give you the skills and

knowledge to ensure your new business has the best chance of

success!

You’re online learning experience will include:

» Flexibility: Our Online Learning platform means you can study

anytime, anywhere and learn at your own pace.

» No up-front tuition fees: With VET FEE-HELP, you can study

now and pay later.

» On-going support: Through the online learning platform, Study

Smart, you’ll have easy access to other students and teaching

staff through chat forums, video, email and phone.

» Rewarding education: Engaging course material to help you

build or extend your skills

ABOUTMARTIN COllEgE.

Martin College has been a leading provider of career-focused education since 1976. The College offers a

number of Certificate and Diploma level qualifications in Business, Management, Marketing, IT, Graphic

Design, Tourism, and Events.

Dedicated to learning, Martin College offers a number of flexible online courses ideal for busy mums. It’s a

great way to refresh or update your skills to kick-start your work-from-home career.

Page 19: 10 ways a stay at home Mum can earn extra income

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CONTACT

Brisbane Campus

Level 4, 119 Charlotte Street Brisbane QLD 4000, Australia

Gold Coast Campus

Level 5, 38 Cavill Avenue, Surfers Paradise QLD 4217, Australia

Melbourne Campus

399 Lonsdale Street, Melbourne VIC 3000, Australia

Sydney Campus

Level 1, 63 Oxford Street, Sydney NSW 2010, Australia

15856A.03.13Publishing printed materials using environmentally-friendly products.

Please recycle this brochure after use.

Disclaimer: To the best of our knowledge the information contained in this e-Book is correct at the time of

printing and may change without notice. Study Group Australia Pty Limited accepts no responsibility for any

errors, nor any liability for any consequences that may follow from any person’s use of the material.

All content and pictures contained within this publication are copyright Study Group Australia Pty Limited

and cannot be shared and reproduced without prior consent from Study Group.

Provider: Study Group Australia Pty Limited

Provider Codes: 01755D (QLD), 01682E (NSW), 03079G (VIC)

martincollege.edu.au