Certificate of Publication - Effects of Financial Literacy to the Spending Habits of Selected Senior High School Students in a Private Institution in Gumaca, Quezon

This is to certify that the research article entitled:

Effects of Financial Literacy to the Spending Habits of Selected Senior High School Students in a Private Institution in Gumaca, Quezon

authored by:

Julianna Marie Vital, Maria Celerina Oreta, Melchor Espiritu, Rafael Ramos, and Sara Jane Elaine Ramos

has been peer-reviewed and published in:

Psychology and Education: A Multidisciplinary Journal

Volume: 41 Issue: 10 Pages: 1155-1168

DOI: 10.70838/pemj.411006

Publication Date: July 6, 2025

ISSN: 2822-4353