Relevant bibliographies by topics / Personal finance

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Personal finance'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 July 2025

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Journal articles on the topic "Personal finance"

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van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.

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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500
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Rajesh, RJ, and KV Giridhar. "Financial Literacy and Personal Financial Management: Smart Moves Towards Personal Finance." Shanlax International Journal of Arts, Science and Humanities 12, S1-Oct (2024): 62–67. https://doi.org/10.34293/sijash.v12is1-oct.8285.

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Financial literacy and personal financial management have become integral parts of everyone’s life. Financial literacy is the basic knowledge, skills, behaviour, and attitude towards finance. Personal finance includes income, savings, expenses, investments, and financial protection for the person or family. Personal financial management means effective management of personal finances. There is a necessity of financial literacy for everybody to manage their personal finances. In this backdrop, this paper deals with linkage between financial literacy and personal financial management, and also d
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Bandi, Vedang, Shivam Dagadu, Vedant Dal, Geeta Rautela, and Mrs Neha Kale. "OPTIMUM FINANCE - PERSONAL FINANCE MANAGEMENT USING LLM." International Journal of Engineering Applied Sciences and Technology 09, no. 11 (2025): 62–66. https://doi.org/10.33564/ijeast.2025.v09i11.010.

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Optimum Finance is an advanced personal finance management platform designed to help users effectively manage their finances through an intuitive web interface. It enables users to track income, expenses, and savings goals, fostering financial stability and growth. Key features include income and expense tracking, recurring transaction support, and personalized budgeting tools for better financial decision-making. The platform offers financial analytics through interactive charts and graphs, helping users identify spending patterns and monitor their financial health. Users can set and track sa
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Basha, Mr Md Chan. "Personal Finance Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50574.

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Abstract - Effective personal finance management is essential for individuals seeking to achieve financial stability, control expenditures, and meet long-term goals. This paper presents the development of a personal finance management system designed to assist users in tracking income, expenses, and savings through an intuitive digital platform. The methodology involves implementing a structured database, automated categorization of transactions, and interactive dashboards for financial visualization. The system incorporates budgeting tools, alerts for overspending, and goal-setting features t
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A, Vishwas, Divyanshu Kumari, Pradeep S, et al. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.

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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educati
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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it
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Andrews, Brett K. "Teaching Personal Finance." Journal of Ministry Marketing & Management 6, no. 1 (2000): 11–18. http://dx.doi.org/10.1300/j093v06n01_02.

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Mushtaq, Aimen, Ranvitha Chirumamilla, Pranav Kadiyala, et al. "Transforming Personal Finance Coaching through Artificial Intelligence." International Journal of Engineering and Computer Science 13, no. 11 (2024): 26607–18. http://dx.doi.org/10.18535/ijecs/v13i11.4929.

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Artificial intelligence (AI) has bloomed in recent years and is gradually becoming an irreplaceable asset in finance,among other sectors. Personal finance is a subset of finance, which too is being revolutionized due to changing timesand technological advancements, much like AI. Security and proper financial guidance have never been moreimportant with such significant change. In this study, we use FinBERT, a modern large language model specializedin the financial domain, for our AI-powered personal finance coach. However, FinBERT, although a cut above therest, still has room for growth, so we
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Suvarna, Megha. "Financely: Personal Finance Tracker Revolutionizing your Financial Journey." International Journal of Scientific Research and Engineering Trends 10, no. 5 (2024): 2317–22. http://dx.doi.org/10.61137/ijsret.vol.10.issue5.296.

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Mwarangu, Fatuma, and Dominic Ngaba. "Job Experience and Personal Financial Management Among Finance Managers of Insurance Companies in Kenya." Journal of Finance and Accounting 2, no. 1 (2022): 1–9. http://dx.doi.org/10.70619/vol2iss1pp1-9.

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Personal finance management is important so that people can manage personal finances and make informed financial and economic decisions. People with weak personal financial abilities are vulnerable to financial stress, which can harm their physical and mental health. The purpose of this study was to establish the relationship between job experience and personal financial management among finance managers of insurance companies in Kenya. The study adopted a descriptive research design and targeted finance managers from 53 licensed insurance companies in Kenya. Data was collected using a questio
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Dissertations / Theses on the topic "Personal finance"

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Palicová, Helena. "Osobní a rodinné finance - finance vysokoškolského studenta." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193972.

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In this thesis, Personal and family finances, subtitled Finances of university student. It is discussed on the way to a happier life through management of personal finances. Just as it is necessary to control corporate finance, it is necessary everyone managed own personal finances. It is indicated as appropriate to tackle your finances,what to focus on, and it's practically demonstrated on the example of a university student. There are analyzed his goals and needs, then it is outlined possible solutions to his finances.
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Shapoval, V. Y. "Personal finance: how to pay for yourself." Thesis, Sumy State University, 2018. http://essuir.sumdu.edu.ua/handle/123456789/67025.

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Everyone gets a job one day. And if it is the first-ever job, the one might spend all of money in a day, because he or she doesn’t know how to deal with them. Whole salary can go for buying some unnecessary staff or just for entertaining. Unfortunately, we don’t learn at school how to behave with cash. But there is a way out of it. It is about Personal Finance that will help you to pay for yourself wisely.
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Peng, Tzu-Chin Martina. "Evaluating mandated personal finance education in high schools." Columbus, Ohio : Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1199290276.

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Franklin, Deanna. "Teacher involvement in implementing state personal finance mandates." Thesis, Indiana State University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3717347.

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<p> This study examined strategies teachers are implementing for personal finance instruction in answer to the state financial-literacy mandates in Central Texas. One-on-one interviews, focus groups, and document analysis found that teachers are relying on personal experience, community resources, and Internet resources to instruct in personal finance in absence of personal finance curricula. No data emerged that school districts were providing resources; however, administrators are willing to provide resources if they were available. Teachers are using a variety of creative methods to enhance
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Redhead, K. J. "Development of personal finance as an academic discipline." Thesis, Coventry University, 2011. http://curve.coventry.ac.uk/open/items/b959f53e-da33-4c25-b119-7afb544e69a0/1.

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Personal finance is developing as an academic discipline, but has some way to go before it is generally accepted as such. The thesis reviews five contributions, from other authors, to the development of personal finance as an academic discipline (dating between 2002 and 2008). Those contributions emphasise the need for a generally agreed body of theory for an academic discipline of personal finance. My publications, in particular Personal Finance and Investments: A Behavioural Finance Perspective, have sought to establish a body of theory and knowledge for an academic discipline of personal fi
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Muqtadir, Abdul. "Real-time finance management system." CSUSB ScholarWorks, 2006. https://scholarworks.lib.csusb.edu/etd-project/2992.

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Discusses the development of a real-time finance management system (RFMS) computer application. RFMS lets users learn about and manage their personal finances and stock portfolio. Finances can be managed using management tools and calculators. The program uses a Java/XML based approach where real-time market data from different stock exchanges is fetched and displayed for the user. Stock performance can then be graphed.
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Khatami, Seyed Hossein. "Three essays on empirical corporate finance." Thesis, University of Manchester, 2016. https://www.research.manchester.ac.uk/portal/en/theses/three-essays-on-empirical-corporate-finance(0dcfd1eb-a875-4730-ba1a-369e52d290b5).html.

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This thesis investigates three topics in empirical corporate finance. In the first essay, the focus is on the role of financial constraints in the market for corporate control. In the second and third essays, we explore the effect of personal connections at board and executive levels on corporate credit rating and initial public offering (IPO) underpricing respectively. In the first essay, using a large sample of US acquisitions made between 1985 and 2013, we study the effect of financial constraints on acquisition gains and acquisition likelihood. Our findings show that financial constraints
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Neuburg, Lisa. "Personal financial literacy of students in the Colfax School District." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007neuburgl.pdf.

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Moss, John Gordon Robert. "Personal financial planning advice : barriers to access." Thesis, University of Birmingham, 2015. http://etheses.bham.ac.uk//id/eprint/6016/.

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With the move towards a society where responsibility has been placed upon the individual to make financial provision for future events, comes the need for individuals to be able to interact with the financial services sector and make informed decisions regarding their financial choices. This research focuses on the barriers that influence why and how consumers access advice from Regulated Financial Advisers. Three key variables are highlighted by this research that each affect the consumer’s ability to access regulated financial advice; Firstly, knowledge, where sub-themes relating to need, kn
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DeGrazier, Anthony Michael. "A study of the meaning of I Timothy 5:8A." Theological Research Exchange Network (TREN), 1985. http://www.tren.com.

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Books on the topic "Personal finance"

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Rosefsky, Robert S. Personal finance. 7th ed. John Wiley, 1999.

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Madura, Jeff. Personal finance. 4th ed. Pearson, 2011.

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Rosefsky, Robert S. Personal finance. 3rd ed. Wiley, 1985.

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Rosefsky, Robert S. Personal finance. 6th ed. Wiley, 1996.

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Bertisch, Abraham M. Personal finance. Dryden Press, 1994.

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Keown, Arthur J. Personal finance. 4th ed. Pearson Prentice Hall, 2006.

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Garman, E. Thomas. Personal finance. 8th ed. Houghton Mifflin Co., 2006.

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Kapoor, Jack R. Personal finance. 4th ed. Irwin, 1996.

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E, Forgue Raymond, ed. Personal finance. 5th ed. Houghton Mifflin Co., 1997.

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W, Eckert Sidney, and Forgue Raymond E, eds. Personal finance. Houghton Mifflin Co., 1985.

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Book chapters on the topic "Personal finance"

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Price, Terry. "Personal finance." In Mastering Background to Business. Macmillan Education UK, 1989. http://dx.doi.org/10.1007/978-1-349-19833-7_10.

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Teymoorian, Savak. "Complementing Personal Finance." In Essential Business Fundamentals for the Successful Eye Care Practice. CRC Press, 2024. http://dx.doi.org/10.1201/9781003524007-10.

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Johnson, Ashley. "Personal Finance Unit." In Unlocking the Career and Technical Education Classroom. Routledge, 2025. https://doi.org/10.4324/9781003546054-3.

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Giles, R. S. "Personal Income." In Finance and Accounting. Macmillan Education UK, 1994. http://dx.doi.org/10.1007/978-1-349-13486-1_24.

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Luu, Lien. "Insuring personal risks." In Essential Personal Finance, 2nd ed. Routledge, 2025. https://doi.org/10.4324/9781003494638-8.

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Lowe, Jonquil, Jason Butler, and Lien Luu. "Introduction." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-1.

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Lowe, Jonquil. "Conclusion." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-10.

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Butler, Jason. "Jobs, money and happiness." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-2.

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Butler, Jason. "Work and financial planning." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-3.

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Luu, Lien. "Building resilience and wealth through saving." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-4.

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Conference papers on the topic "Personal finance"

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Sawant, Aparna, Aditi Bhat, Pranav Bachhav, Zulfikar Charoliya, Aditya Bhoyar, and Aayush Chavan. "FINAI-Personal Finance Simplified." In 2025 5th International Conference on Pervasive Computing and Social Networking (ICPCSN). IEEE, 2025. https://doi.org/10.1109/icpcsn65854.2025.11034895.

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Shailendra, Niharika, C. Parvathi, Shivangi Gupta, and Gk Ravikumar. "Money Map: The Personal Finance Tracker." In 2025 International Conference on Knowledge Engineering and Communication Systems (ICKECS). IEEE, 2025. https://doi.org/10.1109/ickecs65700.2025.11035699.

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Chhabra, Gurpreet Kaur, Ashutosh Kumar Mishra, Varsha Tyagi, Chandra Mani, Vani Tyagi, and Pramod Kumar Sagar. "Cloud-Based AI Solutions for Personal Finance Management." In 2025 International Conference on Pervasive Computational Technologies (ICPCT). IEEE, 2025. https://doi.org/10.1109/icpct64145.2025.10941085.

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Kaushik, Sujay G., Sumukha S. Kashyap, Surabhi B. V, Chaitra M, Santhosh Reddy, and Anitha N. "Personal Finance Management and Prediction using ML Algorithms." In 2024 8th International Conference on Computational System and Information Technology for Sustainable Solutions (CSITSS). IEEE, 2024. https://doi.org/10.1109/csitss64042.2024.10816949.

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VADUKA, SUDHANSHU, SAI CHARATH REDDY, HRUDAY VIKAS ARIKATHOTA, LOHITH KONCHADA, PRASUN CHAKRABORTY, and ATRI BANDYOPADHYAY. "Optimizing Personal Finance Management through AI-Driven Decision Support Systems." In 2024 IEEE Region 10 Symposium (TENSYMP). IEEE, 2024. http://dx.doi.org/10.1109/tensymp61132.2024.10752249.

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Mogilipalem, Vamsi Teja, Cheera Rajkumar, Mounika Moparthi, Sai Chakri Vasamsetti, and Veeramanickam M.R.M. "Revolutionizing Personal Finance: AI-Powered Solutions for Financial Advisory Transformation." In 2025 International Conference on Data Science and Business Systems (ICDSBS). IEEE, 2025. https://doi.org/10.1109/icdsbs63635.2025.11031758.

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Ablazov, Nurillo, Azamat Qodirov, Zarema Ibragimova, and Khasan Akhmedov. "Robo-Advisors and Investment Management: Analyzing the Role of AI in Personal Finance." In 2024 International Conference on Knowledge Engineering and Communication Systems (ICKECS). IEEE, 2024. http://dx.doi.org/10.1109/ickecs61492.2024.10617229.

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Suganya, M., R. Jayaraj, A. Syed Ismail, and S. Ganesh Kumar. "GenAI - Powered Personal Finance Consultant: Integrating Machine Learning and Generative AI for Personalized Financial Recommendations and Literacy Enhancement." In 2025 International Conference on Data Science and Business Systems (ICDSBS). IEEE, 2025. https://doi.org/10.1109/icdsbs63635.2025.11031897.

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Sahel, Mohammed, Shaik Ismail, Shaik Sohail, Sirasawada Srilekha, and Fatima Unnisa. "Streamlining Personal Finances: An ExpenseTracker Website Study." In 2024 International Conference on Signal Processing and Advance Research in Computing (SPARC). IEEE, 2024. https://doi.org/10.1109/sparc61891.2024.10828675.

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Metenko, Jozef, and Miriam Metenkova. "MANIFESTATIONS OF DIGITAL TRACES AS A PERSONAL AND CRIMINALISTICS OBJECT." In 11th SWS International Scientific Conferences on SOCIAL SCIENCES - ISCSS 2024. SGEM WORLD SCIENCE, 2024. https://doi.org/10.35603/sws.iscss.2024/s02/12.

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This study analysis object digital traces and their influence on the content of modern Criminalistics and the Privacy of individuals. The broad in context and highlight the purpose both of the objects can by useful for better understanding those partly new phenomena in modern live. Basis of the study is to analyze different aspects of the digital traces, including its creation, collection and use. Very complicated is in actual law regulation to correctly capture the balance between the freedom to use information, especially the Internet, and the necessity of control, which is mainly mediated b
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Reports on the topic "Personal finance"

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Vasquez, Gustavo M. Assessing the Impact of the De-risking on Remittances and Trade Finance in Belize. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0007034.

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Since 2015, Belize has experienced de-risking, the withdrawal of correspondent banking relationships. The impact on the banking sector and other financial institutions has been adverse, with repercussions also for the personal and commercial activities of clients. This study contributes to the policy discussion and ongoing efforts to address this challenge. While fully quantifying the cost of de-risking has not been possible, this study nevertheless describes the various effects of the withdrawal of correspondent banking relationships, and identifies the increase in transactional costs as the
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Correia, Diogo, and Ricardo Barradas. Financialisation and the slowdown of labour productivity in Portugal: A post-Keynesian approach. DINÂMIA'CET-Iscte, 2021. http://dx.doi.org/10.15847/dinamiacet-iul.wp.2021.07.

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The aim of this paper is to conduct a time series econometric analysis in order to empirically evaluate the role of financialisation in the slowdown of labour productivity in Portugal during the period from 1980 to 2017. During that time, the Portuguese economy faced a financialisation phenomenon due to the European integration process and the corresponding imposition of a strong wave of privatisation, liberalisation and deregulation of the Portuguese financial system. At the same time, Portuguese labour productivity exhibited a sustained downward trend, which seems to contradict the well-entr
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Auguste, Sebastián, Jordi Prat, and Gisele Braun. Brecha de género en el acceso al financiamiento en Centroamérica y República Dominicana. Inter-American Development Bank, 2021. http://dx.doi.org/10.18235/0003151.

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La evidencia empírica internacional muestra que las mujeres tienen menos acceso al financiamiento, tanto al crédito personal como al crédito empresario (según el género de quién lidera la empresa). Esta brecha de género, que se debe a factores de oferta y de demanda, preocupa, tanto desde el punto de vista de equidad o igualdad de oportunidades, como de la eficiencia, ya que en una economía de mercado el acceso al financiamiento es clave para la asignación eficiente de los recursos, y cualquier imperfección en su funcionamiento se puede traducir en menos crecimiento económico. En este trabajo
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Frisancho, Verónica. Spillover Effects of Financial Education: The Impact of School-Based Programs on Parents. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004736.

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This paper studies whether school-based financial education has spillover effects from children to parents. Leveraging data from a large-scale experiment with public high schools in Peru and credit bureau records on the parents of the youth targeted, this study measures the impact of providing personal finance lessons during secondary school on parental financial behavior. Financial education lessons in the school yield limited average spillover effects, but lead to sizable effects on parental financial behavior within disadvantaged households. Among parents from poorer households, the treatme
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Kraynova, O. S., and E. V. Lichina. Personal finance's modern planning tools. Ljournal, 2016. http://dx.doi.org/10.18411/kray-2016-artc-00060.

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Olafsson, Arna, and Michaela Pagel. The Retirement-Consumption Puzzle: New Evidence from Personal Finances. National Bureau of Economic Research, 2018. http://dx.doi.org/10.3386/w24405.

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Sauer, Jennifer. Navigating Personal Finances: AARP Survey of Adults 50 and Older. AARP Research, 2024. http://dx.doi.org/10.26419/res.00807.001.

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Delestre, Isaac, and Alex Davenport. Covid, personal finances, and policy: evidence from bank account data. The IFS, 2020. http://dx.doi.org/10.1920/ps.ifs.2024.0067.

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Schiantarelli, Fabio, and Arturo Galindo. Credit Constraints in Latin America: An Overview of the Micro Evidence. Inter-American Development Bank, 2002. http://dx.doi.org/10.18235/0010803.

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This paper summarizes and discusses new evidence on the nature, extent, evolution and consequences of financing constraints in Latin America; this evidence is drawn from a recent series of papers. The countries covered are Argentina, Colombia, Costa Rica, Ecuador, Mexico, and Uruguay. All the new contributions share the characteristics of being based on micro data. Most of the data sources are firms balance sheets. For Argentina information on debt contracts and credit history is also available, while for Costa Rica personal information on entrepreneurs was also collected. Some of the papers i
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Johnson, Paul. Public finances may be improving, but personal circumstances certainly are not. The IFS, 2023. http://dx.doi.org/10.1920/co.ifs.2024.0532.

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