Whether you teach classes in Family and Consumer Sciences or Business, Foundations of Personal Finance is the right text for you. It introduces students to fundamental economic concepts so they can better understand an increasingly complex world. They learn how to identify and manage resources to achieve their own economic goals. A chapter covers each personal finance area: taxes, credit, insurance, savings, investments, and financial institutions. Students also learn how to make wise decisions about the things that affect many household budgets: food, clothing, transportation, housing, technology, and health. The text challenges students to plan their futures—with education, job training, and careers—and help make environmental resources available for future generations. Each chapter contains colorful photos and charts, compelling case studies, career profiles, reports about current global issues, and related content from other academic areas.
Real Life Connection boxed features apply chapter concepts to real-life situations. Compelling case studies and thought-provoking questions help teens relate content to their own lives. End-of-chapter activities include Academic Connections, Math Challenge, and Tech $mart.
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Table of Contents
Unit 1: The Economic System
1. What is Economics? 2. Government and the Economy 3. Consumers in the Economy: An Overview 4. The Global Economy
Unit 2: Managing Your Finances
5. Making Smart Decisions 6. Personal Finance: An Overview 7. Income and Taxes 8. Financial Institutions and Services 9. Credit 10. Insurance 11. Savings 12. Investing and Estate Planning
Unit 3: Managing Your Spending
13. Smart Shopping Basics 14. Consumers in the Marketplace 15. Spending for Food 16. Clothing 17. Health and Wellness 18. Housing 19. Transportation 20. Electronics and Appliances
Unit 4: Planning for Your Future
21. Planning for Your Career 22. Entering the Work World 23. Your Role in the Environment
Sally R. Campbell - is a freelance writer and consultant in consumer economics and personal finance. She develops educational materials, including textbooks, teacher guides, curriculum guides, and student activity materials. Sally maintains an interest in young consumers and has researched the financial and employment aspects of teen parenting.
Formerly, Sally was the editor and assistant director of the Money Management Institute of Household International, a provider of consumer loans and credit. There she wrote educational materials related to money management and financial planning.
Sally holds a master's degree in education from St. Louis University and completed the Certified Financial Planning Professional Education Program of the College for Financial Planning. She taught Family and Consumer Sciences as well as consumer education in St. Louis schools.