Ume Habibah, and Mujeeb-U-Rehman Bhayo. “EXPLORING HOUSEHOLDS’ FINANCIAL PLANNING: A QUALITATIVE STUDY IN PAKISTAN”. JOURNAL OF SOCIAL RESEARCH DEVELOPMENT 4, no. 2 (June 29, 2023): 489–498. Accessed February 22, 2026. https://jsrd.org.pk/index.php/jsrd/article/view/191.