@article{julianna2025,
title = {Effects of Financial Literacy to the Spending Habits of Selected Senior High School Students in a Private Institution in Gumaca, Quezon},
author = {Julianna Marie Vital and Maria Celerina Oreta and Melchor Espiritu and Rafael Ramos and Sara Jane Elaine Ramos},
journal = {Psychology and Education: A Multidisciplinary Journal},
volume = {41},
number = {10},
pages = {1155-1168},
year = {2025},
doi = {10.70838/pemj.411006},
}