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Free standard shipping on orders over $99
Estimated to be delivered on 6-12 Days.
At Lumaryon Universal, customer satisfaction is our priority. If you are not completely satisfied with your purchase, you may request a return within the eligible return period as outlined on our website. Items must be returned in their original condition, unused, and in original packaging to qualify for a refund.
Once your return is received and inspected, we will notify you of the approval or rejection of your refund. Approved refunds will be processed to the original method of payment within a reasonable timeframe. Shipping fees are non-refundable unless the return is due to a defective product or an error on our part.
Customers are responsible for return shipping costs unless otherwise stated. Please note that certain items may be non-returnable due to hygiene, safety, or clearance reasons, which will be clearly communicated at the time of purchase. We recommend contacting our support team before returning any item to ensure a smooth and efficient return process.
by Lien Luu (Author), Jonquil Lowe (Author), Jason Butler (Author)
Essential Personal Finance is a guide to all the key areas of personal finance: budgeting, managing debt, savings and investments, insurance, securing a home and laying the foundations for retirement. The second edition has been fully updated and includes additional case studies.
Lien Luu is an Associate Professor and Curriculum Lead in Finance at Coventry Business School. She is a Certified Financial Planner and a Chartered Fellow of the Personal Finance Society and Chartered Institute for Securities and Investment (CISI).
Jonquil Lowe is a Senior Lecturer in Economics and Personal Finance at The Open University. She has previously worked as an investment analyst and head of the Money Research Group at Which?
Jason Butler is Head of Financial Education at Salary Finance, columnist and podcaster and spent 25 years as a financial adviser. He is a Chartered Fellow of the Chartered Institute for Securities and Investment and the Personal Finance Society.
At Lumaryon Universal, we are committed to providing a smooth and reliable shipping experience for every customer. All orders are carefully processed within 1–3 business days, excluding weekends and and public holidays.
Once dispatched, orders are shipped using trusted carriers, with an estimated delivery timeframe of 6–12 business days, depending on your location and carrier conditions. Customers will receive a shipping confirmation email with tracking information as soon as their order is shipped, allowing them to monitor delivery progress.
While we strive to meet estimated delivery times, occasional delays may occur due to factors beyond our control, such as weather conditions or carrier disruptions. Our team remains available to assist with any shipping or delivery inquiries to ensure a secure and hassle-free shopping experience.
Free Shipping On All Orders Over $99
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30 Day Return Policy
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