text: mere uncle kehte hain ki manual budgeting se zyada accountability hoti hai,unka kehna hai ki jab sab kuch likhte hain toh khud par control zyada hota hai.par aaj kal toh sab kuch fast-paced hai, toh mujhe lagta hai ki financial apps zyada effective hain, kyunki woh instant feedback dete hain aur har cheez track karna asaan hai.