Blog
Financial literacy articles for Uzbekistan
Annuity vs Differentiated Payment: What's the Difference?
Two loan repayment schedules — fixed payments or declining ones. We explain the difference with real figures and tell you when each works better.
What Is APR and Why the Interest Rate Isn't Everything
Banks advertise loans "from 18%", but the real cost is often much higher. APR — the full cost of credit — is the only metric that tells the complete story.
Compound Interest: Why Time Beats Return Rate
The most powerful wealth-building tool is not a high return — it's time. We break down how compound interest works in practice and why starting early matters more than anything else.
DCA: How to Invest Without Worrying About Market Timing
Dollar-cost averaging removes the impossible task of predicting the market bottom. We explain the mechanics and show why consistency beats perfect timing.
Taxes for Sole Proprietors in Uzbekistan: A Regime Overview
Individual entrepreneurs in Uzbekistan can operate under different tax regimes. We explain each option — turnover tax, patent, and VAT — who each suits and when you must switch.
How Payroll Taxes Work in Uzbekistan
12% income tax is withheld from every employee's salary, and the employer pays an additional 12% social tax on top. We explain who pays what and how to calculate the true cost of an employee.
The Real Cost of Owning a Car: What Hides Behind the Purchase Price
The sticker price is just the beginning. Fuel, insurance, maintenance, and taxes can more than double the true cost of ownership. We break down TCO with a real example.
Lease vs Loan: Which Is Better When Buying a Car?
Two ways to avoid paying the full amount upfront — a loan and a lease. We explain the difference, run the numbers, and tell you when each option makes more sense.
Emergency Fund: How Much You Need and Where to Keep It
An emergency fund is the first and most important step in personal finance. We explain why you need one, how to size it, and where to store the money.
Inflation: How It Erodes Savings and What to Do About It
Money sitting idle loses value every year. We explain how inflation works, how much it affects real returns, and how to protect your savings.