PERSONAL SPENDING MANAGEMENT HABITS AND RESPONSIBLE FINANCIAL BEHAVIOR. Iqtishaduna : International Conference Proceeding, [S. l.], v. 2, p. 1–10, 2026. DOI: 10.54783/vwnph059. Disponível em: https://iqtishaduna.com/proceedings/index.php/iicp/article/view/236. Acesso em: 30 sep. 2026.