Jeolin, A.T. and Manigo, J.A. (2024) “Spending Behavior & Financial Literacy as Predictors of Financial Wellbeing among Department of Education (DepEd) Personnel”, TWIST, 19(2), pp. 281–289. Available at: https://twistjournal.net/twist/article/view/244 (Accessed: 21 December 2024).