APA (7th ed.) Citation

Ball, R., Wood, J., & Bowers, J. (1985). Personal finance in Australia: Using your money wisely. McGraw-Hill.

Chicago Style (17th ed.) Citation

Ball, Ray, Justin Wood, and John Bowers. Personal Finance in Australia: Using Your Money Wisely. Sydney: McGraw-Hill, 1985.

MLA (9th ed.) Citation

Ball, Ray, et al. Personal Finance in Australia: Using Your Money Wisely. McGraw-Hill, 1985.