moliyaviy savodxonlik jismoniy shaxslar uchun shaxsiy moliyani samarali boshqarish va asoslangan moliyaviy qarorlar qabul qilish uchun zaruriy mahoratdir.
ัะธะฝะฐะฝัะพะฒะฐั ะณัะฐะผะพัะฝะพััั โ ััะพ ะฝะตะพะฑั ะพะดะธะผัะน ะฝะฐะฒัะบ ะดะปั ะปัะดะตะน, ะฟะพะทะฒะพะปัััะธั ัััะตะบัะธะฒะฝะพ ัะฟัะฐะฒะปััั ัะฒะพะธะผะธ ะปะธัะฝัะผะธ ัะธะฝะฐะฝัะฐะผะธ ะธ ะฟัะธะฝะธะผะฐัั ะพะฑะพัะฝะพะฒะฐะฝะฝัะต ัะธะฝะฐะฝัะพะฒัะต ัะตัะตะฝะธั.