00399nam a22001457a 4500003000400000005001700004008004100021040002900062050002100091100001400112245002500126260002600151300001100177650006500188OSt20250718115905.0250718b        |||||||| |||| 00| 0 eng d  cChuka university library  aHG 179 .J66 2016  aJones Jay  aA change from change  aUSA bjay jonesc2016  a122 p.  a1. personal finance 2. money management 3.financial planning