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Macmillan Higher Education Palgrave Higher Education
Edition 2nd Edition
ISBN 9780230348110
Publication Date December 2011
Formats Paperback Ebook 
Publisher Palgrave

Fulfilling the need for a UK-centred introductory personal finance text, this dedicated author team provide academic, professional and general readers with what they really need to know about personal finance.

Personal Finance is an innovative text that builds confidence and competence in making personal financial decisions. Using a socio-economic approach to personal finance, it illuminates the many factors and relationships that help improve financial capability, including:

* Decisions on spending, borrowing, saving and investing are set within a broader context.
* Concepts such as income and expenditure, risk and return, and assets and liabilities are related to issues of home ownership, caring responsibilities and lifestyle changes.
* The impact of important economic events, such as the financial crises of recent years, on individuals and households is shown.
* Case studies are used to demonstrate practical relevance, while diagrams and activities help distil complex issues into digestible form.

'Keeping a text in this area up to date was always going to be a critical and monumental challenge. The editors have done a timely and impressive job.' – Professor Peter Howells, Centre for Global Finance, UWE Bristol

'Personal Finance addresses a particular gap, and the overview is impressive.' – Steve McKay, Bristol University (Personal Finance Research Centre)

'What distinguishes this book is that it focuses not only on 'what you need to know' about personal finance, but also on 'what you might be interested in knowing' about the socio-economic context in which financial decisions are made – it makes the text more useful for an academic course and certainly makes for interesting reading.' – Jane King, Oxford Brookes University

'Personal Finance presents the subject of financial planning in an intellectually stimulating way which links theory to practice and is comprehensible to both the student and the layperson.' – James Mallon, Napier University

GEORGE CALLAGHAN Lecturer in Economics at The Open University, UK.
IAN FRIBBANCE Lecturer in Economics at The Open University, UK.
MARTIN HIGGINSON Lecturer in Economics at The Open University, UK.

Setting the Context; A.Shipman
Income; G.Callaghan
Expenditure and Budgeting; M.Higginson
Debt; M.Upton
Savings and Investments; J.Lowe & J.Rutterford
Housing and the Financial Balance Sheet; G.Callaghan & I.Fribbance
Pensions; J.Lowe
Sharing and Caring; S.Himmelweit
Insurance and Life Events; I.Fribbance
Personal Finance: the Changing Context; G.Callaghan & M.Higginson


The text will definitely appeal to students. It is very well written and very engaging.' - Chris Veld, Professor of Finance, University of Glasgow 'It has a good mix of academic and practical in an important new field. Content and style both work very well. It doesn't really have any competition.' - Karen Rowlingson, Professor of Personal Finance, University of Birmingham 'Covers most of the ground one would expect (bar international perspectives), reasonably priced and arguably has an opportunity to dominate this field as there is currently a lack of competition in the way of compendium texts dedicated to personal finance.' - Chris Deeming, Senior Research Fellow, University of Bristol 'This is the best book on the market just now and is the one most likely to engage not only undergraduates, but well educated members of the general public who need to become financially literate.' - James Mallon, Lecturer in Financial Services, Edinburgh Napier University>
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