EFFECTIVE PERSONAL FINANCE

EFFECTIVE PERSONAL FINANCE | Zenodo Skip to main Communities My dashboard Log in Sign up Published May 4, 2026 | Version v1 Journal article Open EFFECTIVE PERSONAL FINANCE Authors/Creators Baxtohunova, D. N. (Editor) 1 Show affiliations 1.

University of Economics and Pedagogy Senior Lecturer of the "Economics" Department Description This article highlights the importance of personal finance and financial literacy in daily life. From a managerial perspective, the author analyzes employees' concerns regarding retirement and the future, providing strategic recommendations on income management, establishing a "financial safety net," and the proper utilization of banking services. Furthermore, the article examines five common mistakes in the process of saving money—ranging from unjustified frugality to the lack of clear goals—and proposes specific solutions. The article is intended for readers aiming to achieve financial freedom and create sources of passive income. Files 116-118.pdf Files (171.1 kB) Name Size Download all 116-118.pdf md5:5155afd46beb892fba54a5dabbaf0bc6 171.1 kB Preview Download Additional details References 1.Law of the Republic of Uzbekistan. "On Banks and Banking Activities" No. ZRU-580. November 5, 2019. 2.Kiyosaki, R. T. (2019). Rich Dad Poor Dad. Tashkent: "Asaxiy Books". Clason, G. S. (2018). The Richest Man in Babylon. Tashkent: "Yangi asr avlodi" 4.Gozibekov, G. Sh. (2010). Issues of Investment Financing. Tashkent: "Moliya". 5.Vahobov, A. V., & Jurayev, A. S. (2015). Personal Finance (Study Guide). Tashkent: "Iqtisod-Moliya". 21 Views 9 Downloads Show more details All versions This version Views Total views 21 21 Downloads Total downloads 9 9 Data volume Total data volume 1.7 MB 1.7 MB More info on how stats are collected.... Versions External resources Indexed in OpenAIRE Communities Keywords and subjects Keywords Personal finance, financial literacy, safety net, passive income, bank deposits, credit history. Details DOI DOI Badge DOI 10.5281/zenodo.20029949 Markdown [](https://doi.org/10.5281/zenodo.20029949) reStructuredText .. image:: https://zenodo.org/badge/DOI/10.5281/zenodo.20029949.svg :target: https://doi.org/10.5281/zenodo.20029949 HTML <a href="https://doi.org/10.5281/zenodo.20029949"><img src="https://zenodo.org/badge/DOI/10.5281/zenodo.20029949.svg" alt="DOI"></a> Image URL https://zenodo.org/badge/DOI/10.5281/zenodo.20029949.svg Target URL https://doi.org/10.5281/zenodo.20029949 Resource type Journal article Publisher Zenodo Published in INTERNATIONAL MULTI DISCIPLINARY JOURNAL FOR RESEARCH & DEVELOPMENT, 13(5), 116-118, ISSN: 2394-6334, 2026. Languages English Rights License Creative Commons Attribution 4.0 International The Creative Commons Attribution license allows re-distribution and re-use of a licensed work on the condition that the creator is appropriately credited. Read more Citation Export Technical metadata Created May 4, 2026 Modified May 4, 2026 Jump up About About Policies Infrastructure Principles Projects Roadmap Contact Blog Blog Support Help FAQ Developers REST API OAI-PMH Contribute GitHub Donate Funded by Powered by CERN Data Centre & InvenioRDM Status Privacy policy Cookie policy Terms of Use This site uses cookies. Find out more on how we use cookies Accept all cookies Accept only essential cookies

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