text: sun,mujhe samajh nahi aata, financial planning karne ka sahi tareeka kya hai, kya tu mujhe kuch tips de sakti hai, main thodi confused hoon is topic par!bilkul, sabse pehle toh apne kharchon ka record rakhna zaroori hai, bina budget ke sab kuch hawa mein udta hai, samajh gayi na tu?