Haffiq Hasin, and Zuraidah Zainol. “The Effect of Spending Patterns on The Financial Well-Being of Malaysian Consumer Across Income Level”. Journal of Contemporary Issues and Thought 16, no. 1 (January 1, 2026): 1–18. Accessed January 10, 2026. https://ejournal.upsi.edu.my/index.php/JCIT/article/view/12654.