text: yaar,kya tumne suna hai ki kuch log traditional budgeting se itne pareshan hote hain ki woh bas khud ka paisa kharch karne lagte hain?haaan, mujhe bhi yeh pata hai, lekin agar hum modern tools se thoda structured approach lein, toh yeh problem kam ho sakti hai, kya tumhe yeh sahi lagta hai?