Request for consultation

Thanks for your request. You’ll soon be chatting with a consultant to get the answers you need.
{{formPostErrorMessage.message}} [{{formPostErrorMessage.code}}]
First Name is required. 'First Name' must contain at least 0 characters 'First Name' cannot exceed 0 characters Please enter a valid First Name
Last Name is required. 'Last Name' must contain at least 0 characters 'Last Name' cannot exceed 0 characters Please enter a valid Last Name
Institution is required.
Discipline is required.
Why are you contacting us today? is required. 'Why are you contacting us today?' must contain at least 0 characters 'Why are you contacting us today?' cannot exceed 0 characters Please enter a valid Why are you contacting us today?

Personal Finance 13th Edition

E. Thomas Garman | Raymond E. Forgue

  • Published

Available With :

  • MindTap

Standalone Digital Access — Ultimate Value

Instant Access to the full, mobile-ready textbook combined with superior online learning tools

Product Details

Starting at $140.00

Digital Access + Print —
Flexible Value

Digital Access plus a print version of the textbook available for students on Day One

Product Details

Starting at $185.95

Each MindTap product offers the full, mobile-ready textbook combined with superior and proven learning tools at one affordable price. Students who purchase digital access can add a print option at any time when a print option is available for their course.

This Cengage solution can be seamlessly integrated into most Learning Management Systems (Blackboard, Brightspace by D2L, Canvas, Moodle, and more) but does require a different ISBN for access codes. Please work with your Cengage Learning Consultant to ensure the proper course set up and ordering information. For additional information, please visit the LMS Integration site.

Standalone Digital Access — Ultimate Value

Recommended and most popular

  • ISBN-10: 1337901490
  • ISBN-13: 9781337901499
  • Bookstore Wholesale Price $140.00
  • RETAIL $140.00

  • ISBN-10: 1337288349
  • ISBN-13: 9781337288347
  • Bookstore Wholesale Price $140.00
  • RETAIL $140.00

  • ISBN-10: 1337901504
  • ISBN-13: 9781337901505
  • Bookstore Wholesale Price $151.00
  • RETAIL $151.00

Digital Access + Print — Flexible Value

Recommended and most popular

  • ISBN-10: 1337588997
  • ISBN-13: 9781337588997
  • Bookstore Wholesale Price $140.00
  • RETAIL $185.95

  • ISBN-10: 1337587834
  • ISBN-13: 9781337587839
  • Bookstore Wholesale Price $197.50
  • RETAIL $262.95

Textbook Only Options

Traditional eBook and Print Options

{{collapseContainerClosed['9781337099752_txtbook_0'] ? 'Show More' : 'Show Less'}}

  • ISBN-10: 1337669210
  • ISBN-13: 9781337669214
  • STARTING AT $71.99

  • STARTING AT $99.49

  • ISBN-10: 1337099759
  • ISBN-13: 9781337099752
  • Bookstore Wholesale Price $187.50
  • RETAIL $249.95


PERSONAL FINANCE, 13th Edition, offers a practical, student-friendly introduction to personal financial management. With normative, value-laden suggestions on getting ahead in one’s personal finances, it gets students to contemplate, deliberate, and think! Using a structured, step-by-step approach, students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Building on the success of previous editions, the Thirteenth Edition engages students and focuses their attention on critical concepts they need to succeed in class and to manage their finances wisely for a lifetime.

E. Thomas Garman, Professor Emeritus, Virginia Polytechnic Institute and State University

A renowned author, advisor, and academic, Garman is a Fellow and Distinguished Professor Emeritus of Virginia Tech University, where he directed the National Institute for Personal Finance Employee Education. He subsequently founded the Personal Finance Employee Education Foundation. Author of 40 book's and 200 academic research articles, Garman directed several award-winning research studies that link the financial fortunes of employers with the financial health of their employees. Research consistently shows that decreasing employee financial distress and improving personal financial well-being creates better workers. Garman's research has been the most cited in the field for over 20 years. He has worked for a U.S. senator in Washington, D.C., in economic development in West Africa, and for a national non-profit credit counseling organization. He is an elected Distinguished Fellow of both the Association for Financial Counseling and Planning Education and the American Council on Consumer Interests. Garman has served on advisory boards for the Board of Governors of the Federal Reserve System, International Board of Standards and Practices for Certified Financial Planners, American National Standards Institute, National Foundation for Credit Counseling, U.S. Food and Drug Administration, and National Advertising Review Board. His consulting includes work for Profit Sharing/401(k) Council of America, Manulife Financial, AT&T, U.S. Navy, U.S. Army, and U.S. Department of Defense. His work has been featured in hundreds of publications, including USA Today, New York Times, The Washington Post, The Los Angeles Times, and U.S. News & World Report, and he has appeared on National Public Radio and NBC Nightly News.

Raymond E. Forgue, University of Kentucky

Raymond Forgue retired after 28 years as an associate professor in the Department of Family Studies at the University of Kentucky. He served as chair of the department and acting dean of the College of Human Environmental Sciences. Forgue taught various courses in consumer studies, personal finance, and insurance. His professional service has included the presidency of the American Council of Consumer Interests and the Association for Financial Counseling and Planning Education. Since retirement he has continued to write and consult on personal finance education training for the Accredited Financial Counselor certification program, AARP, and other organizations. Forgue serves on the Boards of the Personal Finance Employee Education Foundation and the National Association of Personal Financial Advisors.

MindTap® is the digital learning solution that powers students from memorization to mastery. It gives you complete control of your course—to provide engaging content, to challenge every individual, and to build their confidence. Empower students to accelerate their progress with MindTap.

  • Personal Finance really changes student behaviors!
  • Classroom research demonstrates that learners genuinely do learn personal finance topics well. One key to that success is the availability of My Personal Financial Planner. It contains 70 worksheets that allow students to truly put into practice all the major financial planning tools in Personal Finance.
  • A variety of resources enable instructors to truly “flip the classroom.” “Do It In Class” icons in every chapter tell instructors and students about “Do It in Class Exercises” These exercises include problems, cases and exercises to be completed in class to ensure understanding and emphasize problem solving skills
  • "What Do You Recommend?" and "What Do You Recommend Now?" chapter opening and closing narratives cover essential financial topics. The opening feature is followed by a question and four potential answers. The results are often unexpected and provide an excellent opportunity to engage students. The closing feature asks the students to come back to that opening vignette after reading the entire chapter, to apply what they have learned.
  • "Advice from a Seasoned Pro." These boxed inserts, authored by today's leading financial experts, offer practical tips for students to manage their personal finances.
  • "Financial Planning Cases." These short, chapter closing cases present various finance concepts to students from the vantage point of a married couple, single person, retiree, parent, and other demographics.

Personal Finance


1. Understanding Personal Finance.
2. Career Planning.
3. Financial Statements, Tools, and Budgets.
4. Managing Income Taxes.
5. Managing Checking and Savings Accounts.
6. Building and Maintaining Good Credit.
7. Credit Cards and Consumer Loans.
8. Vehicles and Other Major Purchases.
9. Obtaining Affordable Housing.
10. Managing Property and Liability Risk.
11. Planning for Health Care Expenses.
12. Life Insurance Planning.
13. Investment Fundamentals.
14. Investing in Stocks and Bonds.
15. Mutual and Exchange-Traded Funds.
16. Real Estate and High-Risk Investments.
17. Retirement and Estate Planning.

Training and Support

At Cengage, our top priority is taking care of you and your students and making sure that you have a successful experience with our products. Your personalized support team will consult with you to help you find the best solution to address your specific course goals, and once you’ve found that solution, will work with you to build your course and design a customized training and development program to ensure you and your students are ready to hit the ground running.

Learn More

Higher Ed Faculty Community

The Higher Ed Faculty Community is a collaborative space designed to inspire innovation and advance teaching excellence in higher education. Here, we’ll celebrate and support great teaching, across the country and across disciplines, ultimately advancing the richness of education and the lifelong confidence and success of college students. Plus, you will find ample resources, teaching wisdom and expert advice from your peers, from us, and from Cengage Faculty Partners so that you can spend more time doing what you do best. 

Visit the Community