JEOLIN, April T.; MANIGO, Jimnanie A. Spending Behavior & Financial Literacy as Predictors of Financial Wellbeing among Department of Education (DepEd) Personnel. TWIST, United Kingdom, v. 19, n. 2, p. 281–289, 2024. Disponível em: https://twistjournal.net/twist/article/view/244.. Acesso em: 21 dec. 2024.