Financial knowledge is empowering the new generation of the 21st century in the era of transformative marketing (Kumar, 2018), which leads to the well-planned financial structure for long terms. However, it is imperative to know that on what scales they are managing their budgets. Understanding the impact of selfcontrol, financial literacy, and financial behavior is very vital for living a successful life (Sarstedt et al., 2017). The literature shows, people with good self-control and financial literacy tend to behave well compared to people with less self-control and financial literacy. This study examines the relationship between self-control financial literacy, financial behavior and financial wellbeing. A survey was conducted on 416 people from educational institutions, corporate sectors and food courts in Pakistan to empirically examine the impact of self-control and financial literacy on financial behavior and financial well-being of people. Better self-control and financial literacy lead to greater financial well-being. This research paper concludes that self-control and financial literacy affect financial well-being through financial behavior. Financial literacy has a significant direct impact on financial wellbeing, however the direct impact of self-control on financial well-being is insignificant. Impact of financial behavior on financial well-being is stronger than the impacts of financial literacy and self-control on financial well-being. This paper will be useful for economists and companies in Pakistan to better understand consumer market and to make decisions accordingly.

this study aims to identify the application of bureaucratic responsibility to perform certain functions as stated in the hierarchy of responsibility by offering several solutions in the improvement of administrative services in terms of tourism. This research uses a descriptive-qualitative approach with case study approach. Data collection techniques used is interviews, observation, and documentation. The instrument in this research is the researcher himself, while the informant uses purposive techniques. Analytical techniques use an "interactive model" that includes data collection, condensation, data presentation, and verification / drawing conclusions. The results of this study indicate that the implementation of program, procedural and financial accountability in tourism services in the tourism and creative economy of Makassar City has not been in accordance with the expectations of the community. This is based on the implementation of bureaucratic accountability has not been done thoroughly and continuously in accordance with the needs and competitiveness of tourism by referring to the Standard Operational Procedure (SOP) effectively, efficient and transparent based on the principle of justice and propriety as well as benefits for the community. Thus the proposition in this study is in providing services as accountably bureaucracy is sustainable.