10.1 Ratiba ya Maingiliano - Safari ya Akiba

Lesson Learning Objectives:

  • Reasons to Save – Identify common goals like emergencies, school, big purchases, and future comfort.
  • Goal Timelines – Distinguish short-, mid-, and long-term savings to plan how much and how long to set money aside.
  • Emergency Funds – Explain why an emergency fund is a first priority and how it protects against surprise costs.
  • Growth vs. Erosion – Understand how interest grows savings and how inflation shrinks buying power, guiding where to keep money.

Habari Muhimu ya Somo:

  • Saving = Options – Putting money away today gives you freedom and control over future choices.

  • Safety Net First – A dedicated emergency fund shields you from debt when unexpected bills appear.

  • Make Money Work – Earning interest helps savings outpace inflation, so choose accounts that grow your money.

  • Plan & Stick – Set a clear goal, split it into small steps, automate deposits, and adjust as life changes to keep saving on track.

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