Abstract. In this article, the concept of financial literacy, its definition, the importance of financial literacy, why financial literacy is important and how it can be learned have been mentioned. The correct distribution of income and expenses of the population, the importance of savings in increasing the income of the population, different methods of savings and their advantages were considered.
References:
1. International Accounts Federation website https://www.ifac.org/knowledge-gateway/contributing-global-economy/discussion/cost-financial-illiteracy#:~:text=Higher%20debt%20and%20bankruptcy%20rates,effects%20on%20the%20financial%20system.
2. Lee Kuan Yew: From the Third World to the First World. History of Singapore (1965-2000) “From third world, to first world” https://asaxiy.uz/uz/product/li-kuan-yu-uchuinchi-dunedan-birinchi-dunega-singapur-tarihi-1965-2000
3. Lee Myung-bak: "Miracles don't happen" https://asaxiy.uz/uz/product/li-myon-bak-muzhiza-sodir-bulmajdi
4. Adam Smith. Nature and causes of the wealth of nations. London 1989: Printed for A. Strahan ; and T. Cadel, in the Strand. Fifth edition https://books.googleusercontent.com/books/content?req=AKW5QadRcf2G-2YVILFJTt1r-A-oQ4O8Vzi7c9Y3M5Y1mDYM1QFQ2uKSoFhpkZnnsgkWlLTTC7Tk7lqznQKLm2ZxWNUXJcjZilZ5AYd2ii4zxznwouIDeRjLzPNZAhZY29d_Y5wyWE--dN302c5-6liYboHbSDAsM6yg5vsbS0mcNnxufQG0AolG3AzBliQz1g-z7RpDWwpqzlYuhobjoeA7wzDZG6hjzR7IDXofTjhO6qRf1vOidwE_r9mGlPokPXpjwKoIiNn-N9H0dJZduxAdDNiCA0oElfrJqOD_a3m3WXfazt0-x0A
5. Larisa Burakova: "How Georgia achieved success" https://asaxiy.uz/uz/product/larisa-burakova-gruziya-muvaffakiyatga
6. Stuart, T.E.; Ding, W.W. When do scientists become entrepreneurs? The social structural antecedents of commercial activity in the academic life sciences. Am. J. Sociol. 2006, 112, 97–144. [Google Scholar] [CrossRef]
7. Perkmann, M.; Tartari, V.; McKelvey, M.; Autio, E.; Broström, A.; D’este, P.; Fini, R.; Geuna, A.; Grimaldi, R.; Hughes, A.; et al. Academic engagement and commercialisation: A review of the literature on university–industry relations. Res. Policy 2013, 42, 423–442. [Google Scholar] [CrossRef]
8. Jin, P.; Mangla, S.K.; Song, M. The power of innovation diffusion: How patent transfer affects urban innovation quality. J. Bus. Res. 2022, 45, 414–425. [Google Scholar] [CrossRef]
9. Sevryukova, S. V., & Korosteleva, O. N. (2017). Formirovaniye denezhnykh dokhodov naseleniya kak sotsial'no-ekonomicheskiy aspekt regulirovaniya urovnya zhizni. Kontsept, (11), 151-155.
10. Sayakbayeva, A. A., Akylbekova, N. I., & Taalaybek, T. (2020). Dokhody naseleniya kak faktor ekonomicheskogo rosta. Izvestiya Issyk-Kul'skogo foruma bukhgalterov i auditorov stran Tsentral'noy Azii, (2), 82-89.
11. Suvorov, A. V. (2008). Problemy otsenki differentsiatsii dokhodov naseleniya v sovremennoy Rossii. Problemy prognozirovaniya, (2), 3-18.
12. Abduramanov X.X, Arabov N.U, Xolmuxamedov M.MningAholi daromadlari va turmush sifati "TAFAKKUR BO'STONI""TOSHKENT-2014"
13. Mukhtarov B. A., Ortikov O. YU. Kul'turnoye i ekonomicheskoye razvitiye turizma v Uzbekistane //Molodoy uchenyy. – 2016. – №. 14. – С. 375-378.
14. G'ayratovna, Q. N., Abdujabborovna, I. N., & Usmonbekovich, Y. I. (2023). AHOLINING MOLIYAVIY SAVODXONLIINI OSHIRISH VA JAMG'ARMA USULLARI. OBRAZOVANIYe NAUKA I INNOVATSIONNYYe IDEI V MIRE, 34(2), 134-139.
15. Nazarova S: “Moliyaviy savodxonlik asoslari”. Tashkent-2020 https://altsul.uz/wp-content/uploads/2021/04/Moliyaviy-savodxonlik.pdf
16. How to check the authenticity of the money? https://finlit.uz/uz/articles/money/how-to-verify-the-authenticity-of-money/
17. Savings techniques - informational and educational website of the Central Bank of the Republic of Uzbekistan on financial literacy. https://finlit.uz/uz/articles/budget/savings-techniques/
18. Theory: 6 Jars Budgeting Method https://readingraphics.com/the-6-jar-wealth-management-system-by-t-harv-eker/
19. Department of Financial Literacy and Public Awareness https://cbu.uz/uz/about/central-office/divisions/moliyaviy-savodxonlikni-oshirish-va-bank-mutaxassislarini-qayta-tayyorlash-departamenti/
20. Informational and educational website of the Central Bank of the Republic of Uzbekistan on financial literacy https://finlit.uz/uz/
21. A free Telegram bot designed to improve financial literacy https://t.me/tdiurobot
22. "World of Finance". Financial literacy website launched by the Central Bank in cooperation with the VISA payment organization https://financeworld.uz/
SCIENCE & INNOVATION