Discover the keys to personal financial management with the practical introduction in Garman/Fox’s market-leading PERSONAL FINANCE, 14th EDITION. The step-by-step approach gives you a set of actionable items on how to save and invest, manage financial risk, plan for taxes, decrease credit card debt and reduce financial stress throughout your lifetime. Financial planning sounds easy but has proven difficult for far too many. Throughout the book you will find many “notes from our future selves”, which are based on decades of research in personal finance where the authors have come to understand the cognitive and implicit biases that influence our financial decisions. All too often, these biases distract people from a more direct path to financial goals. Many math-based examples allow you to get your hands on the ideas behind trading present consumption for that planned in the future. With the latest updates and learning tools, this edition prepares you for personal financial success.

PERSONAL FINANCE, Tenth Edition, offers a practical, student-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Throughout the text, real-life scenarios covering a wide range of financial challenges enable students to appreciate the relevance of key concepts, while useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples also clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Tenth Edition continues to engage students’ interest and focus their attention on the critical concepts they need to succeed in class–and to manage their finances wisely for a lifetime.

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• Used Book in Good Condition

PERSONAL FINANCE 13E offers a practical, student-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable students to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Thirteenth Edition continues to engage students and focus their attention on critical concepts they need to succeed in class and to manage their finances wisely for a lifetime.