text: Arre bhai, traditional budgeting ka system toh samajh aata hai, lekin ab toh sab log apps aur software ka istemal kar rahe hain, kya yeh zyada effective hai?Bilkul, lekin mujhe lagta hai ki kuch logon ko cash flow samajhna mushkil hota hai, aur woh purani tarike se hi zyada comfortable feel karte hain.