@book{12119,
	author = {Fong, Wai Mun and Koh, Benedict},
	title = {Managing your personal finance :},
	publisher = {World Scientific,},
	year = {2020.},
	address = {UK :},
	url = {https://portal.igpublish.com/iglibrary/reader/WSPCB0009865/1 }
}