Personal finance management: Successful start

Module 1: What are personal finances and why manage them?

• The role of finances in life: money as a tool
• What happens if you don’t keep track: real consequences
• Financial literacy in Uzbekistan: features

📌 Practice: “Financial cross-section”: how are you managing your money now

Module 2: Defining your financial starting point

• Income, expenses, assets, liabilities — at a glance
• How to understand what your salary is spent on in 30 minutes
• Financial diagnostics: identifying key holes

📌 Tool: Income and Expenses Template

Module 3: Budget without pain - how to create a system for yourself

• Main approaches: Zero-based, 50/30/20, envelope method
• Setting a budget for 2, 4, 6 months
• Where to keep a budget: Excel and Google Sheets

Module 4: Money habits

• 5 habits that cost up to 30% of income
• How to implement budget rules and spend wisely
• Developing a financial habit tracker

Module 5: How to start saving — even with a small salary

• Why do you need savings and a “cash cushion”
• Savings formulas depending on income level
• Where to keep the saved money (cash, card, digital currency)
• Savings plan for 6 months

Module 6: Protection from inflation and financial risks

• Inflation in Uzbekistan: what is it and how does it affect your money
• How the sum “depreciates” and what to do about it
• In what currencies and instruments to store money (UZS, USD, gold, digital currency)

Module 7: Financial goal - how to set it and not give up

• Setting goals using the SMART method
• Strategy “one goal in focus”
• Deadlines, stages, financial control
• Financial plan for 3/6/12 months

Module 8: How not to give up: system support

• Why people give up budgeting
• How to protect yourself from breakdowns
• Audit and adjustment of the first results
• Progress assessment

Additionally:

• Calculator “My minimum living wage”
• Template for budgeting on the phone