Sritongmas , Saranya, and Watit Intuluck. “Household Accounting Guidelines to Address Financial Planning and Debt Management during the COVID-19 Pandemic”. Dusit Thani College Journal 17, no. 1 (April 30, 2023): 220–235. accessed September 30, 2026. https://so01.tci-thaijo.org/index.php/journaldtc/article/view/267076.