<prompt> Hlalosa bohlokoa ba tsebo ea licheleteHa ho Kenyeletso  <response>: Instruction in English: Describe the importance of financial literacy . Response in English: Financial literacy refers to the ability to understand and make effective decisions related to the management of personal finances. Being financially literate is an important skill that has many benefits and can positively impact ones life.One of the major benefits of financial literacy is that it helps individuals to make informed decisions when it comes to money matters. Financially literate individuals are able to evaluate financial products, such as loans, credit cards, and insurance policies, and to choose the ones that best meet their needs. Additionally, financial literacy empowers people to take control of their financial future by enabling them to create budgets, save money, and invest wisely. This helps to reduce the likelihood of financial stress, which can have negative impacts on ones mental and physical health.By being financially literate, individuals are also able to better navigate the complexities of the financial system, avoid scams, and make the most of their money. This is critical for achieving personal financial goals such as buying a home, funding education, and saving for retirement.Overall, the importance of financial literacy lies in its ability to give individuals the knowledge and tools needed to make sound financial decisions, build wealth, and achieve long-term financial stability. . Response in Sesotho: Tsebo ea lichelete e bolela bokhoni ba ho utloisisa le ho etsa liqeto tse sebetsang tse amanang le tsamaiso ea lichelete tsa botho. Ho tseba litaba tsa lichelete ke tsebo ea bohlokoa e nang le melemo e mengata me e ka ama bophelo ba motho ka tsela e ntle. O mong oa melemo e meholo ea tsebo ea lichelete ke hore e thusa batho ho etsa liqeto ba e-na le tsebo ha ho tluoa litabeng tsa lichelete. Batho ba tsebang litaba tsa lichelete ba khona ho hlahlobisisa lihlahisoa tsa lichelete, tse kang likalimo, likarete tsa ho reka ka mokitlane le inshorense, le ho khetha tse khotsofatsang litlhoko tsa bona hamolemo. Ho phaella moo, tsebo ea lichelete e thusa batho ho laola bokamoso ba bona ba lichelete ka ho ba nolofalletsa ho etsa moralo oa tšebeliso ea chelete, ho boloka chelete le ho tsetela ka bohlale. Sena se thusa ho fokotsa monyetla oa khatello ea lichelete, e ka bang le liphello tse mpe bophelong ba motho ba kelello le ba mele. Ka ho tseba litaba tsa lichelete, batho ka bomong ba boetse ba khona ho sebetsana hantle le mathata a tsamaiso ea lichelete, ho qoba bolotsana le ho sebelisa chelete ea bona hamolemo. Sena se bohlokoa bakeng sa ho fihlela lipheo tsa motho ka mong tsa lichelete tse kang ho reka ntlo, thuto ea lichelete, le ho boloka chelete bakeng sa ho tlohela mosebetsi. Ka kakaretso, bohlokoa ba tsebo ea lichelete ke bokhoni ba eona ba ho fa batho tsebo le lisebelisoa tse hlokahalang ho etsa liqeto tse nepahetseng tsa lichelete, ho haha maruo le ho fumana botsitso ba nako e telele ba lichelete. 