text: sun,jab bhi main apne cousin se budgeting ki baat karti hoon, woh hamesha kehta hai ki sab kuch spreadsheet mein rakhna chahiye, kya yeh sahi hai?spreadsheet achha hai, par kabhi kabhi toh ek simple chart bhi kaam kar sakta hai, jo sabko samajh aaye, kyunki sabki understanding alag hoti hai.