HAFFIQ HASIN; ZURAIDAH ZAINOL. The Effect of Spending Patterns on The Financial Well-Being of Malaysian Consumer Across Income Level. Journal of Contemporary Issues and Thought, [S. l.], v. 16, n. 1, p. 1–18, 2026. DOI: 10.37134/. Disponível em: https://ejournal.upsi.edu.my/index.php/JCIT/article/view/12654. Acesso em: 10 jan. 2026.