<prompt> Ngola bonyane mabaka a 3 a hore na ke hobaneng ha e le habohlokoa ho boloka moralo oa tšebeliso ea chelete.nan  <response>: Instruction in English: List at least 3 reasons why it is important to keep a budget. . Response in English: 1. Helps to manage expenses: Keeping a budget helps you efficiently allocate your resources and prioritize your spending. By tracking your income and expenses, you can make better decisions and avoid overspending on things that you do not really need.2. Enables you to reach your financial goals: Whether you are saving for a new car, a down payment on a house, or simply want to build your emergency fund, sticking to a budget can help you reach your financial goals faster. You can create spending limits and savings targets, and monitor your progress towards achieving them.3. Reduces financial stress: Ensuring that you have a solid understanding of your financial situation by maintaining a budget can significantly reduce stress and anxiety. It will give you peace of mind knowing that you are in control of your finances, and that you can cover your bills and avoid falling into debt. . Response in Sesotho: 1. Ho thusa ho laola litšenyehelo: Ho boloka moralo oa tšebeliso ea chelete ho u thusa ho aba lisebelisoa tsa hau hantle le ho beha chelete ea hau pele. Ka ho latela chelete eo u e fumanang le litšenyehelo, u ka etsa liqeto tse molemonyana me ua qoba ho sebelisa chelete e ngata haholo linthong tseo u sa li hlokeng. 2. E u nolofalletsa ho finyella lipakane tsa hao tsa lichelete: Ebang u bolokela koloi e ncha, tefo e tlaase ea ntlo, kapa u batla feela ho haha letlole la maemo a tšohanyetso, ho khomarela moralo oa tšebeliso ea chelete ho ka u thusa ho finyella lipakane tsa hao tsa lichelete ka potlako. U ka theha meeli ea tšebeliso ea chelete le lipehelo tsa polokelo, me u shebe tsoelo-pele ea hau ea ho li fihlela. 3. Ho fokotsa khatello ea mali: Ho etsa bonnete ba hore u na le kutloisiso e tiileng ea boemo ba hau ba lichelete ka ho boloka moralo oa tšebeliso ea chelete ho ka fokotsa khatello ea maikutlo le matšoenyeho haholo. E tla u fa khotso ea kelello ea ho tseba hore u laola lichelete tsa hau, le hore u ka khona ho lefella likoloto tsa hau le ho qoba ho oela likolotong. 