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Personal Financial Literacy (Texas Edition)

Providing the financial building blocks for earning, spending, saving, and investing through each stage of life

Part of the Texas Proclamation 2019 Textbook Adoption

We have partnered with Precision Exams by correlating to the Standards, Objectives, and Indicators for Precision Exams Certification in General Financial Literacy and Personal Financial Responsibility.

We have partnered with Precision Exams by correlating to the Standards, Objectives, and Indicators for Precision Exams Certification in General Financial Literacy and Personal Financial Responsibility.

Part of the Skills for Life CTE Series


As part of the Skills for Life CTE Series, Personal Financial Literacy provides the financial building blocks for effective earning, spending, saving, investing, and giving through each stage of life. From how to manage a paycheck to understanding the time value of money, this text prepares students to be financially fit money managers.

Real-world examples are embedded throughout the book to demonstrate financial dilemmas students may encounter, such as identifying needs and wants and how credit impacts financial decisions. This graphically illustrated textbook brings personal finance topics to life as it hones problem solving and critical thinking skills and prepares students to manage their financial futures.

  • Students create and develop a comprehensive financial plan including goals, budgets, and investment strategies
  • End-of-chapter review activities and assessments test students’ knowledge
  • Chapter features highlight real-world decision making and financial math
  • Text correlates to the Precision Exams Certification in General Financial Literacy and Personal Financial Responsibility
  • Meets 100% of the TEKS/ELPS for Texas Proclamation 2019 Textbook Adoption
Table of Contents

Unit 1: Plan
Chapter 1: Goal Setting
Chapter 2: Components of a Financial Plan
Chapter 3: Personal Values and Decision Making


Unit 2: Earn
Chapter 4: Career Opportunities & Earning Potential
Chapter 5: Forms of Financial Exchange
Chapter 6: Entrepreneurship
Chapter 7: Economics of Earning


Unit 3: Manage
Chapter 8: Managing a Paycheck and Taxes
Chapter 9: Creating a Budget
Chapter 10: Financial Institutions and Services
Chapter 11: Time Value of Money


Unit 4: Save & Spend
Chapter 12: Savings Strategies and Accounts
Chapter 13: Cash Management Tools
Chapter 14: Credit and Borrowing
Chapter 15: Major Purchases
Chapter 16: Paying for Education and Training
Chapter 17: Charitable Contributions


Unit 5: Invest
Chapter 18: Investment Strategies
Chapter 19: Planning for Retirement


Unit 6: Protect
Chapter 20: Risk Management and Insurance
Chapter 21: Consumer Protection
Chapter 22: Estate Planning


Online Instructor and Student Resources

The Online Instructor and Student Resources for Personal Financial Literacy are housed on and include a wealth of activities and assessments that challenge students to demonstrate their understanding of chapter material. Students will collaborate and communicate in a variety of settings, including written essays, presentations, and creative projects. In addition, Personal Financial Literacy features a cumulative project in which students develop a complete financial plan.


Online Instructor and Student Resources Include:

  • Chapter Review Activities and Answer Keys
    • Define Key Terms - Students define the key terms presented in each chapter, helping them to prepare for the Chapter Assessment.
    • Test Your Knowledge - Students demonstrate their comprehension of chapter topics by
      completing a series of short answer questions.
    • Read and Write - Students apply their understanding of the concepts presented in the
      chapter by responding to a writing prompt.
    • Listen and Speak - Students demonstrate their knowledge of the chapter by planning and
      presenting an informal presentation.
    • Create and Design - Students demonstrate creative thinking and develop innovative ideas by designing and creating a variety of documents as part of an overall financial plan.
  • Chapter Review Rubrics
  • Chapter Assessments and Answer Keys
  • PowerPoint Teaching Tools

PowerPoint Teaching Tools

The PowerPoint Teaching Tools are the perfect supporting resource to help instructors present the key concepts of each chapter to the class. Each slide show begins with chapter objectives and engaging discussion questions to spark students’ interest and encourage classroom dialog. Essential chapter elements and ideas are outlined to be presented prior to or as students progress through the chapter, including important graphics like tables, charts, and other key data. All PowerPoints are flexible and editable to allow for adding slides and speaker notes, or modifying any content to best fit curriculum needs.


Download Sample:

Chapter 1 PowerPoint Teaching Tool


Grade: 9-12

Personal Financial Literacy Textbook (Min. 10) (Print)
ISBN: 978-1-626893-17-7
Author: Lisa Mulka
© 2018
Size: 8.5" x 11"
Page Count: 300
Print Color: Full Color
Binding: Hardcover

Student eText (Min. 10) (
ISBN: 978-1-62689-318-4
Author: Lisa Mulka
© 2018

Student eText (Min. 10) (
ISBN: 978-1-62689-438-9
Author: Lisa Mulka
© 2018

Online Instructor + Student Resources (Required) (
ISBN: 978-1-626893-21-4
Author: Lisa Mulka
© 2018

Print Options

Item # Item Name ISBN Qty. Unit Price Total
TB-PFL Personal Financial Literacy Textbook (Min. 10) 9781626893177 $88.95

Digital Options

Item # Item Name ISBN Qty. License Duration (Once Activated) Unit Price Total
TB-PFL-EB Student eText (Min. 10) 9781626894389 $19.95
TB-PFL-EB Student eText (Min. 10) 9781626893184 $25.95
TB-PFL-TG Online Instructor + Student Resources (Required) 9781626893214 $449.95
Product Total: $0.00