Financial literacy, step by step
Eight modules — from how money works to investing and fraud protection. Read in order: each module is the foundation for the next one.
Module 1 · 2 articles
Money basics
How money works, inflation and first steps
Financial literacy: where to start managing your money
Financial literacy from scratch: track spending, build an emergency fund, get out of debt and pick a deposit. Six simple steps with examples in so‘m.
5 minInflation in Uzbekistan: the real value of your money
Inflation in Uzbekistan made simple: why money loses value, real vs nominal return, and how to compare a deposit rate with inflation. Worked examples.
5 min
Module 2 · 3 articles
Budget & spending
Learn to control income and expenses
The 50/30/20 rule: a monthly budget that works in Uzbekistan
How to budget with the 50/30/20 rule in Uzbekistan: rent, helping parents, wedding (to‘y) costs and remittances. Worked examples in so‘m for real families.
5 minHow to track income and expenses (and actually keep going)
Tracking expenses without stress: which categories to use, fixed vs variable costs, how to run a 3-month review and the mistakes that make people give up.
5 minHow to cut expenses without pain: 9 ways to save money
How to cut expenses in Uzbekistan: phone plans, taxi vs metro, bazaar shopping, subscriptions, impulse buys and installments. Save 1–2 million so‘m a month.
5 min
Module 3 · 3 articles
Goals & savings
Emergency fund and financial goals
SMART financial goals: how to save for a car or a home
How to set a SMART financial goal: turn a car, a home down payment, education, Hajj or a wedding into a clear monthly amount and track your progress.
7 minEmergency fund: how much you need and where to keep it
What an emergency fund is, how big it should be (3–6 months of expenses), how to build it step by step and where to keep it in Uzbekistan so it stays safe.
7 minCompound interest: how your savings grow on their own
Compound interest with so‘m examples: what 500,000 or 1 mln a month grows to in 1, 3 and 5 years, how capitalization works and why starting early matters.
6 min
Module 4 · 4 articles
Getting out of debt
Loans, installments and microloans without traps
How to get out of debt: a step-by-step plan for Uzbekistan
How to get out of debt in Uzbekistan: list your debts, measure your debt burden, use the snowball or avalanche method, talk to the bank, handle overdue loans.
14 minLoan contract checklist: real cost, debt burden, your rights
How to read a loan contract in Uzbekistan: effective rate, debt burden ratio, insurance add-ons, penalties, early repayment and where to complain.
7 minMicroloans and nasiya installments: find the real price
Microloans and nasiya (buy now, pay later) in Uzbekistan: hidden markups, how to calculate the real price, new limits and when installments become a trap.
7 minCredit history in Uzbekistan: check it at KATM and fix it
What a credit history and score are, how the KATM credit bureau works, how to check your credit history online, what damages it and how to repair it.
7 min
Module 5 · 2 articles
Bank deposits
How to choose a deposit and protect money
How to choose a bank deposit in Uzbekistan: a practical guide
How to choose a deposit in Uzbekistan: nominal vs effective rate, capitalisation, term, top-ups, early withdrawal, UZS vs USD and a comparison checklist.
7 minDeposit guarantee in Uzbekistan: the 200 million so‘m limit
How the deposit guarantee in Uzbekistan works: up to 200 million so‘m per bank, interest and FX deposits, what is not covered and how to check a bank licence.
7 min
Module 6 · 4 articles
Investing
Stocks, bonds, gold and projects
How to start investing in Uzbekistan: risk and return
How to start investing in Uzbekistan: the right order, risk vs return, deposits, bonds, UZSE stocks, CBU gold and halal platforms, with no promised profit.
10 minHow to buy stocks and bonds in Uzbekistan: step by step
How to buy stocks in Uzbekistan: choosing a broker, the UZSE exchange, government and corporate bonds, public IPOs, dividend tax and the main risks.
7 minCBU gold bars: how to buy, sell back and what the spread costs
CBU gold bars in Uzbekistan: where to buy, how banks buy them back, how much the spread costs, storage, and how gold compares with a bank deposit.
6 minHow to check an investment project: a 7-step checklist
Before investing in any project or platform: check the licence, business model, promised returns, referral pressure, withdrawal rules and Ponzi warning signs.
8 min
Module 7 · 1 article
Islamic finance
Halal investing and partnership principles
Islamic finance basics: how halal investing works
Islamic finance in plain words: riba, gharar, maysir, murabaha, mudaraba, ijara, sukuk, the new law in Uzbekistan and how to check a product is halal.
8 min
Module 8 · 1 article
Fraud protection
Pyramids, card fraud and safety
Financial fraud: how to protect your card and savings
How to spot fraud: fake bank security calls, SMS code requests, Telegram scams, fake investment channels and pyramids, plus what to do if you were scammed.
7 min
Put what you learn into practice
Log income and expenses, set goals and make a debt plan in My money.
Go to My money