<prompt> Fana ka mehlala e meraro ea mekhoa ea tekanyetso ea lichelete.  <response>: Instruction in English: Give three examples of financial budgeting techniques. . Response in English: 1. Zero-based budgeting: This technique involves building a budget from scratch, where every expense has to be justified for each new period. It requires examining and reviewing all expenses and justifying their need before adding them to the budget. This approach is useful for cutting unnecessary costs and reallocating resources, but it requires a significant amount of time and effort.2. The 503020 Rule: This technique suggests dividing after-tax income into three categories: Needs, wants, and savings or debt repayment. In this method, 50 of the income is allocated to necessities such as housing, groceries and utilities, 30 to discretionary spending like entertainment and dining out, and the remaining 20 towards savings or debt repayment. This approach is helpful in setting spending priorities and managing finances efficiently.3. Envelope System: This technique involves dividing cash into various envelopes labeled for each expense category. Once the money allocated to each category is spent, the envelope is emptied until the next time the budget is replenished. This approach helps people control their spending, avoid overspending, and stay within their budget. . Response in Sesotho: 1. Tekanyetso e thehiloeng ho lefela: Mokhoa ona o kenyelletsa ho theha moralo oa lichelete ho tloha qalong, moo litšenyehelo tsohle li tlamehang ho lokafatsoa bakeng sa nako e ncha. E hloka ho hlahloba le ho hlahloba litšenyehelo tsohle le ho lokafatsa tlhoko ea tsona pele e li kenyelletsa tekanyetsong. Mokhoa ona o na le thuso bakeng sa ho fokotsa litšenyehelo tse sa hlokahaleng le ho arola lisebelisoa hape, empa ho hloka nako le boiteko bo bongata. 2. Molao oa 503020: Mokhoa ona o fana ka maikutlo a ho arola chelete e kenang ka mora lekhetho ka mekhahlelo e meraro: Litlhoko, litlhoko, le lipolokelo kapa tefello ea sekoloto. Mokhoeng ona, 50 ea lekeno e abeloa lintho tse hlokahalang tse kang matlo, korosari le lisebelisoa, 30 ho tšebeliso ea boikhethelo joalo ka boithabiso le ho jella, me 20 e setseng e lebisitsoe ho lipolokelo kapa puseletso ea mekoloto. Mokhoa ona o thusa ho beha lintho tse tlang pele bophelong ba tšebeliso le ho laola lichelete ka katleho. 3. Tsamaiso ea Lienfelopo: Mokhoa ona o akarelletsa ho arola chelete ka lienfelopong tse sa tšoaneng tse ngotsoeng bakeng sa sehlopha ka seng sa litšenyehelo. Hang ha chelete e abetsoeng sehlopha ka seng e se e sebelisitsoe, enfelopo e ntšoa ho fihlela nakong e tlang ha tekanyetso ea lichelete e tlatsitsoe. Mokhoa ona o thusa batho ho laola tšebeliso ea bona ea chelete, ho qoba ho sebelisa chelete e ngata ho feta tekano, le ho boloka tekanyetso ea bona ea lichelete. 