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Personal Financial Literacy

Part of the Texas Proclamation 2019 Textbook Adoption


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.

  • End-of-chapter review activities and assessments test students’ knowledge
  • Students work to create a comprehensive financial plan including goals, budgets, and investment strategies
  • Chapter features highlight real-world decision making and financial math
  • 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 Resources

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

Instructor Resources (Required) Include:

  • eText 
  • Chapter Review Activities and Answer Keys
  • Chapter Review Rubrics
  • Chapter Assessments and Answer Keys
  • Instructor's Guide
eText License Information
  • 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
  • License codes do not expire and can be redeemed at any time
  • A minimum order of 10 license codes is required

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

About Our eLearning Platform (eCTE.com)
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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
Size: 8.5" x 11"
Print Color: Full Color

Student eText (Min. 10) (eCTE.com)
ISBN: 978-1-62689-438-9
© 2018
Size: 8.5" x 11"
Print Color: Full Color

Online Instructor Resources Including eText (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 Resources Including eText 9781626893214 $449.95
Product Total: $0.00