tednju
Tednju is a term used in several South Slavic languages to denote the practice of saving money and living within one's means. In standard Croatian, Bosnian, and Serbian the common term is štednja, while tednju appears in some dialects or orthographic variants. The concept encompasses regularly setting aside a portion of income for future needs or emergencies, rather than spending it all. It also denotes a cultural attitude toward thrift and prudent financial management.
Historically, saving arose from the need to secure stability in uncertain times, such as illness, old age,
Common practices include automatic transfers from income to savings accounts, setting budget targets, and choosing suitable
In personal finance, tednju involves budgeting, risk management, and planning for retirement, education, and emergencies. Critics