text: yaar,jab tak hum apne kharchon ka record nahi rakhte, tab tak hum budgeting kaise kar sakte hain, traditional ya modern, dono ka mix karna zaroori hai.bilkul, par mujhe lagta hai ki log apps se jaldi bored ho jaate hain, kya hum unhe engage karne ka koi tareeqa soch sakte hain?