Determinants of Consumer Spending Behavior: An Econometric and Behavioral Analysis of Budget Allocation Patterns. The Journal of Theoretical Accounting Research, [S. l.], v. 22, n. 3, p. 39–45, 2026. DOI: 10.69980/ay1ewd12. Disponível em: https://jtar.org/index.php/JTAR/article/view/125. Acesso em: 11 apr. 2026.