Inayati, Dessy Nur Isna, Isnawati Jamilah, and Agus Eko Sujianto. “Penerapan Konsep Frugal Living Dalam Perencanaan Keuangan Pribadi”. Innovative: Journal Of Social Science Research 4, no. 1 (January 6, 2024): 2264–2278. Accessed June 23, 2026. http://j-innovative.org/index.php/Innovative/article/view/7940.