@book{24024,
	author = {Agbayani, Jade Mae P.},
	title = {Effect of financial literacy on spending pattern and budgeting behavior of Mariano Marcos State University- College of Arts and Sciences students /},
	publisher = {MMSU,},
	year = {2024.},
	address = {City of Batac :},
	note = {Thesis (AB Sociology) -- Mariano Marcos State University - College of Arts & Sciences, City of Batac, 2024.}
}