Copyright © 2010
by
The Goodheart-Willcox Company, Inc.
Previous editions copyright 2004, 2000, 1995, 1990, 1988, 1984, 1982
(Under the title The Confi dent Consumer by Sally R. Campbell)
All rights reserved. No part of this work may be reproduced, stored, or transmitted in any
form or by any electronic or mechanical means, including information storage and retrieval
systems, without the prior written permission of The Goodheart-Willcox Company, Inc.
Manufactured in the United States of America.
Library of Congress Catalog Card Number 2009039160
ISBN 978-1-60525-089-2
1 2 3 4 5 6 7 8 9 – 10 – 15 14 13 12 11 10
Goodheart-Willcox Publisher Brand Disclaimer: Brand names,
company names, and illustrations for products and services included in this text are
provided for educational purposes only and do not represent or imply endorsement
or recommendation by the authors or the publisher.
Library of Congress Cataloging-in-Publication Data
Cambell, Sally R.
Foundations of personal fi nance / Sally R. Cambell. – 8th ed.
p. cm.
Rev. ed. of: The confi dent consumer. c2004.
Includes index.
ISBN 978-1-60525-089-2
1. Finance, Personal. 2. Consumer education. I. Cambel, Sally R.
Confi dent consumer. II. Title.
HG179.C32 2010
332.024--dc22
2009039160
2
Cover image: Gettyimages RF