<prompt> Thathamisa mehato eo u tla e nka ho etsa moralo oa tšebeliso ea cheletenan  <response>: Instruction in English: List the steps you will take to create a budget . Response in English: Here are the steps to create a budget:1. Determine the purpose and time frame of the budget: Start by identifying the goal of the budget, for example, it could be for managing monthly expenses or for planning a big purchase or event. The time frame could be a week, month or year.2. Calculate your total income: Add up all sources of income such as your salary, interest or investment returns, and any other passive income streams.3. List all your expenses: Write down all your monthly expenses, including rent or mortgage, utilities, food, transportation, insurance, entertainment, and any other regular payments.4. Categorize your expenses: Group your expenses into categories such as housing, transportation, food, entertainment, and so on.5. Allocate funds for each category: Based on your income and your expenses, allocate a specific amount for each category in your budget. For example, if your monthly income is 5,000 and your rent is 1,000, allocate 20 for housing.6. Monitor and Adjust: Make sure to stay within the defined budget and track your spending to ensure that you do not exceed the allocated amounts for each category. Adjust your budget as needed, for example, you might want to increase the allocation for food expenses if you find that you are constantly going over the budgeted amount.7. Save for emergencies: It is wise to allocate some portion of your income for emergency expenses or rainy day funds. This will help you avoid taking on debt or overspending in case of unexpected expenses.8. Review and revise: Review your budget periodically and make adjustments as necessary. This will help you stay in control of your finances and achieve your financial goals. . Response in Sesotho: Mehato ea ho etsa moralo oa tšebeliso ea chelete ke ena: 1. Etsa qeto ea hore na morero le nako ea tekanyetso ke efe: Qala ka ho tseba sepheo sa moralo oa tšebeliso ea chelete, ka mohlala, e ka na ea e-ba ho laola litšenyehelo tsa khoeli le khoeli kapa ho rera ho reka lintho tse ngata kapa ketsahalo e khōlō. Nako ea nako e ka ba beke, khoeli kapa selemo. 2. Bala kakaretso ea chelete eo u e fumanang: Kopanya mehloli eohle ea chelete e kang moputso oa hao, tsoala kapa lipeeletso tsa matsete, le mekhoa e meng ea boipheliso. 3. Thathamisa litšenyehelo tsohle tsa hao: Ngola litšenyehelo tsohle tsa khoeli le khoeli, ho akarelletsa rente kapa ntlo, lisebelisoa, lijo, lipalangoang, inshorense, boithabiso le litefo leha e le life tse ling tsa kamehla. 4. Arola litšenyehelo tsa hao: Hlopha litšenyehelo tsa hao ka lihlopha tse kang ntlo, lipalangoang, lijo, boithabiso, joalo-joalo. 5. Abela sehlopha ka seng chelete: Ho ipapisitsoe le lekeno la hau le litšenyehelo tsa hau, aba chelete e itseng bakeng sa sehlopha ka seng sa tekanyetso ea hau. Mohlala, haeba moputso oa khoeli le khoeli e le 5,000 me rente ea hau ke 1,000, fana ka 20 bakeng sa bolulo. 6. Hlokomela me U Fetole: Etsa bonnete ba hore u lula ka hara tekanyetso e hlalositsoeng me u latele tšebeliso ea chelete ea hau ho netefatsa hore ha u fete chelete e fanoeng bakeng sa sehlopha ka seng. Fetola tekanyetso ea hau kamoo ho hlokahalang, mohlala, u ka na ua batla ho eketsa kabo ea litšenyehelo tsa lijo haeba u fumana hore u lula u feta chelete e behiloeng. 7. Boloka chelete bakeng sa maemo a tšohanyetso: Ke bohlale ho arola karolo e ngoe ea moputso oa hao bakeng sa litšenyehelo tsa tšohanyetso kapa lichelete tsa letsatsi la lipula. Sena se tla u thusa ho qoba ho nka sekoloto kapa ho sebelisa chelete e ngata ho feta tekano haeba ho ka ba le litšenyehelo tse sa lebelloang. 8. Hlahloba le ho hlahlobisisa: Hlahloba tekanyetso ea hau nako le nako me u etse liphetoho ha ho hlokahala. Sena se tla u thusa hore u lule u laola lichelete tsa hau le ho finyella lipakane tsa hau tsa lichelete. 