BAXTOHUNOVA D. N. EFFECTIVE PERSONAL FINANCE. International Multidisciplinary Journal for Research & Development, [S. l.], v. 13, n. 5, p. 116–118, 2026. Disponível em: https://www.ijmrd.in/index.php/imjrd/article/view/6163. Acesso em: 28 jun. 2026.