text: yaar,jab bhi budget banate hain, mujhe toh lagta hai ki kharchon ka ek list banana chahiye, taaki hum dekh sakein ki kya zaroori hai aur kya nahi.bilkul, lekin agar hum digital tools use karein, toh wo humein suggestions bhi dete hain ki kya kharidna chahiye aur kya avoid karna chahiye, toh kaafi help hoti hai!