• $0.00
  • Just Added:

    Qty:0Subtotal: $0.00

Just Released!

Personal Financial Literacy

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.


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 required 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.


Resources for this textbook are housed on our interactive digital eLearning platform, eCTE


Online Instructor and Student Resources (Required) Include:

  • Teacher Edition eText (5 Year License)
  • 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

eText License Information

eTexts are housed in our interactive digital eLearning platform, eCTE.  

  • Each eText license code, once redeemed, is valid for 1 year or 6 months from the date of first log in
  • One license code is required per student
  • Unused license codes do not expire and can be redeemed at any time
  • A minimum order of 10 license codes is required
About Our Digital Platform eCTE
B.E. Publishing's Digital Platform, eCTE, provides easy and interactive access to digital content for Career & Technical Education.



Grade: 9-12

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) (eCTE.com)
ISBN: 978-1-62689-318-4
Author: Lisa Mulka
© 2018

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

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

Print Options

Item # Item Name ISBN Qty. Unit Price Total
TB-PFL 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