UBONG OKOKON EBUK, and DR. UYAI E. AKPANOBONG. “FINANCIAL MANAGEMENT STRATEGIES AND PERSONAL EXPENDITURE OF BUSINESS EDUCATION STUDENTS IN PUBLIC UNIVERSITIES, SOUTH-SOUTH, NIGERIA”. UNIUYO JOURNAL OF BUSINESS EDUCATION AND ENTREPRENEURSHIP, vol. 3, no. 3, Sept. 2026, pp. 99-112, https://ujbee.com/index.php/UJBEE/article/view/75.