00667    a2200133   450000500170000002000220001710000210003924500210006026000500008130000370013152002790016865000600044770000260050720260922140536.0  a978-621-409-337-3  aBautista, Alvin	  aPersonal finance  aQuezon City : bBooks Atbp Publishingcc2026.  aviii, 151p. Includes references.  aA practical guide to managing personal finances, covering budgeting, saving, spending, credit, investments, and other essential financial management concepts. It helps readers develop responsible financial habits and make informed decisions toward achieving financial goals.  a1. Personal finance.z2. Personal financial management.  aMark Adrian P. Macaso