Tea

Teapots and adorable napkins
The child's soul knows no bounds
It clasps a little a lithe wards dream
A homesickness that grows in your soul
A pungent tea flavoured gift that i picked up
A flower of moth eaten daisies I charm in thee
Bottled and boat necked gifts that churn my soul
A homely affair a stage show for faint hearted
I like to knit sweaters in lulled voice
What if my voice reached you today? 
I will scramble and do the dishes the art of 
Domestic choices still I landed on my fairy tales
I daresay I will write on my behalf 
As poetry becomes a stagecraft for skin and home. 

Girls picking flowers

Makes bouquets

The guys are also gathered

“Ko’pkari” plays the game

Both mountains and gardens 

It is bluish in color 

Swallows are coming

Everyone knows that.

This is the most wonderful holiday

Nowruz, my dears,

Ancient, traditional

Everyone will appreciate it.

Grandmother, grandfather

They always pray

Peace and health

They put it in their eyes

Rasulova Rukhshona Vahobjon’s daughter was born on October 16, 2008 in Rishton district of Fergana region. In 2015, she started studying in the 1st grade of school 34 in this district. Currently, she is a 9th grade student of this school. Rukhshona Rasulova is interested in participating in various competitions, writing poems and stories, and reading many books.

She regularly participates in school and district competitions and takes pride of place. Also she participates in many online contests and earned international certificates. She is a member of various creative teams and the 2024 “Ufq ilmi” 1st place winner.

As a young artist she has unlimited goals in her heart. Her biggest dream is to become a “young reader”.

Rukhshona Rasulova’s poems were published in the book “Youth of Uzbekistan” published by Justfiction publishing house, and in one of the most prestigious British magazines “Raven Cage” and “Kenya Time” in Thailand. And she has been included in various anthologies covering artists across the Republic. 

Saidqulova Nozima To`lqin daughter

                                  Republic Uzbekistan

                   Kashkadarya region Karshi centre

               Karshi Engeneering-Economist Institute

                           Sanoat faculty 3-rd student.

Motherland

To praise the motherland,

My highest wish, my family dream.

In your corners that filled my heart,

My feelings are awakened, in your dreams.

I live to praise your name,

I saw my mother in you.

Be full of love,

I saw my father in you

Courage and strength.

Exalt your name,

It’s a confession.

If I wave your flag,

To another country.

Heard your description,

                  Greatness heard.

Let him wonder surprised,

My heart is white.

Dream rush,

My motherland is mine.

A child of an ordinary person has the most knowledge, but a child of a rich man knows nothing.

Why are you always a rich man’s son?

Why do you say that if a man with money is his father.

Did you see, my friends, this story of mine will still be answered in the Day of Judgement.

Financial Literacy and Saving Money: A Path to a Prosperous Future

Murodjon Asomidinov is the son of Farkhod

Tashkent region, Bostonliq district,

 9^th grade student of a specialized school

                                                  Abstract

Financial literacy and saving are crucial elements for ensuring personal financial well-being in today’s rapidly changing economic environment. This article examines the concept of financial literacy, its importance, and the role of saving in paving the way to a prosperous future. It discusses the importance of making informed financial decisions, the impact of saving on individual economic stability, and the significance of investing for long-term wealth generation. By improving financial knowledge and applying these practices, individuals not only enhance their income potential but also adapt more effectively to economic changes in society. This article provides insights into how financial literacy and saving contribute to a stable and prosperous future.

Keywords: Financial literacy, saving, investment, personal finance, economic stability, prosperous future, financial planning, goal-setting, decision-making.

Today, economic changes, various financial crises and unexpected situations force many people to face their financial situation. Thus, the importance of financial literacy and saving money has increased dramatically. Financial literacy includes not only knowledge of finance and economics, but also money management, saving and effective investing.

A high level of financial literacy enhances an individual’s ability to manage their finances, while also greatly helping to ensure future economic stability. In this, the role of saving money is also important. This article details the relationship between financial literacy and saving money, and how these processes pave the way to a prosperous future.

Financial Literacy: Meaning and Importance

Financial literacy means not only managing financial resources, but also taking a rational and knowledge-based approach to making personal and family financial decisions. Improving financial literacy also encourages people to save money, invest, manage debt and improve their financial situation.

Increase financial literacy

To improve financial literacy, one must first understand the basic concepts of finance. For example, it is important to have financial information, budget, meet tax obligations and know how to pay off debts. An understanding of developments in international financial markets, investment strategies and risk management is also essential.

Another important aspect of improving financial literacy is self-financial education. This can be achieved through distance courses, books, articles and seminars. Today, it is very easy to obtain financial knowledge through online resources, which provides a convenient opportunity to use this knowledge in various areas of life (Shamsutdinova, 2023).

Financial decision making literacy

Literacy is very important in making financial decisions. People need to analyze their income and expenses, determine the necessary savings and investment options in order to make the right decisions. For example, when creating a family budget, it is necessary to plan expenses, monitor monthly income spending and direct it to savings.

With a high level of financial literacy, people make the right decisions about saving, borrowing and investing effectively. Thus, they create a solid foundation in ensuring their well-being (Davronov, 2023).

Saving money: basic principles and methods

Saving money is an important factor in ensuring financial stability. Through the habits of saving money, a person not only improves his current financial situation, but also prepares himself against unpleasant situations that may arise in the future.

Basic principles of saving

The first and most important principle of saving money is accurate planning of income and expenses. It is necessary to spend a certain part of the earned income on savings every month. To achieve this goal, it is important to correctly estimate monthly expenses and income. For example, you should spend 20-30% of your monthly income on savings. For this, it is recommended to classify costs and reduce unnecessary costs (Karimov, 2022).

Another important principle of saving is to create an emergency fund. It is very important to accumulate the necessary amount of savings for unexpected situations such as emergency funds, illness or job loss.

There are several effective ways to save money. One of the most common methods is budgeting and tracking expenses. By having a clear view of their income and expenses, a person will be able to reduce unnecessary expenses.

In addition, using the automatic saving method is also effective. For example, a certain amount of income can be automatically transferred to the fund every month. This method is especially convenient for individuals who require responsible financial management.

Investing is also important as part of financial literacy and saving money. Through investments, it is possible not only to increase current savings, but also to create sources of passive income.

There are many different ways to invest. The most common types of investments are stocks, bonds, real estate, etc. Each type of investment has its own risks and benefits. Therefore, before investing, it is necessary to analyze the market and get financial advice (Shamsutdinova, 2023).

Stocks are investments in shares of companies. By buying shares, individuals can share in the company’s profits. Also, bonds are another form of investment, which means betting on debt bonds issued by various organizations.

Investment and risk management

Before investing, an investor should determine his level of risk. Risk management plays an important role in financial literacy. It is possible to reduce the risk of an investment portfolio by means of diversification (dividing investments into different assets).

Road to a prosperous future

Financial literacy and saving money is one of the most important tools for personal and family well-being. They help maintain a solid financial position in a changing economic environment. Through personal financial management and effective investing, everyone has the opportunity to make their future sustainable.

Summary

Financial literacy and saving money are important in everyone’s life. Together, these two elements play an important role in ensuring personal well-being. By increasing financial knowledge and developing saving habits, one can improve not only the current financial situation, but also the future. It is also important to increase income through effective investment and risk management. Thus, by becoming financially literate and saving money, everyone can take steps towards a prosperous future.

                                           List of references:

1.Shamsutdinova, M. (2023). Moliyaviy savodxonlikni oshirish: Amaliy yondashuv. Toshkent: Iqtisodiyot nashriyoti.

2.Karimov, R. (2022). Tejash va investitsiya qilishning asosiy tamoyillari. Toshkent: Moliya va iqtisodiyot.

3.Davronov, B. (2023). Moliyaviy qarorlar qabul qilishda savodxonlikning o’rni. Tashkent: O’zbekiston iqtisodiyoti.

MY LIFE IN TORNADO ALLEY

--came screaming
through my home
upending it all
in an instant
and then

left
my tattered vacuum
behind, forever--

:the wind and the women

BENEFICE

At my baptism feast
I was immersed
adorned in gown and turban.

The host, swollen with yeast
and drunk with thirst,
cavorted like a merman.

I thrust my jolly priest
into your church
and delivered my sermon.

Hallelujah!


BIRTH-GROWTH-DEATH

We wear our trinity within:
Birth Growth Death.

We place our lots
between these dots:
Birth Growth Death.

Expand the beginning, then end.



Though by zeroes
we are enclosed
--Birth Growth Death--

we still contain infinities.
Birth Growth Death.

I, BIBLIOPHILE

One wife memorized Solomon
to reminisce our marriage.
And another remembered Spenser
in bequest to our sons.
And my mistress archived Milton
to remind me of my sin.
If only I’d had more lovers
I’d have read more libraries.


O FORMER LOVERS

What did you do n my life? Were you the butcher or the bride? My savior? A suicide?
O countess, accountant, or clown: the one who talked all my airplanes down?
Forgotten parents, let's make amends.
(Or is my asking a form of revenge?)
You wanted straighten, I wanted bend.
The times I broke out, where were you then?
hi ho rally ree, hi ho rally ree
hi ho hi ho hi ho rally ree
O life, you're a fife
that plays out of tune.I plug my ears shut
but still hear your song.
Hi ho hi ho rally ree
O former lovers can't we be friends?
So many starting lines only dead ends.
Snippets of love songs lost to the winds.
O former loved ones, why not be friends?
hi ho rally ree, hi ho rally ree
hi ho hi ho hi hom rally ree
Life is a wife
who's made out of tongue,
Who talks while I fuck—
just on on and on,,,
hi ho hi ho rally ree
 O unborn bastards, shall we pretend?
Could we have saved some instead of just spend?
Why can't the onces becomee once agains?
Quit filling rivers with corpses and cans.
Hi ho hi ho hi ho rally ree
O — life is a knife
and it's nine feet long.
We're stuck in the gut
And then we are gone.
hi ho hi ho  rally ree
In your life, what was I? Just one more endless hammer on the anvil of your nights?
Rusty dull umbilical scissors? Unspooled string to your puffed up kite?

Madagascar

He loved dogs, but he didn’t want to deal with the responsibility of owning one, on top of which the concept of  “owning” an animal made him uncomfortable. But he’d always stop to pet a friendly dog on the street or in a shop, and he’d jump at the chance to board a traveling friend’s dog for a few days, even weeks.

His wife was somewhat indifferent to dogs, but she always welcomed the temporary visitor, as long as he did the feeding and walking. She was even happy to steal the occasional stomach pat, or to receive a brief lick.

The friend’s dog, a medium-sized male of unknown lineage, was called Winslow. The friend referred to it as That Winslow Boy whenever it did something naughty.

He was walking Winslow one morning when a passing neighbor said, “Oh, got yourself a dog?”

“Just for a couple of weeks,” he said. “I’m caring for him while his owner is in Madagascar.” He regretted having said “owner.”

“Oh, Madagascar, marvelous!” the neighbor exclaimed, and went on to tell him, in voluminous detail, about her own trip to Madagascar the year before.

Hard Times

He received a phone call, out of the blue, from a childhood friend he hadn’t seen or spoken to in decades. This friend had fallen on hard times and was “reaching out” to his old buddies.

He had fond memories of the guy and did want to help, so he asked, “How can I help?”

“I could use a place to stay,” the friend said.

Oh, no, that was out of the question. Not only would his wife never stand for it, neither would he.

“I’d love to help, but we don’t have the space,” he told the friend.

“I understand,” the friend said. There was a pregnant pause and then the friend said, sheepishly, “Maybe you could help me out with a little money for a motel?”

Should he suggest the friend find a shelter, or would that be an insult? Sure he could afford to give his friend a few hundred bucks, but what happens when that runs out? What about the long term?

He told the old friend to meet him at an ATM downtown. He withdrew $500 and handed the cash to the friend.

“Thanks, this means a lot to me,” the friend said.

He was about to say, “Any time,” then he caught himself and said, “Sure.”

Endgame

Before he met his wife, in a college course on postwar European drama, where they bonded over Beckett’s Endgame, he was dating a girl named Josie, but there had been no real spark; apparently the feeling was mutual, because when he told Josie he’d met someone new, she said, simply, “OK.”

That was thirty years ago. He and his wife had not discussed Beckett for the past twenty of them. Like most marriages.