text: budgeting ki baat karte hain,par kabhi kabhi mujhe lagta hai ki koi bhi plan banane se pehle toh humein achhi financial literacy bhi seekhni chahiye!bilkul, samajh ke bina toh hum sirf khud ko hi confuse karenge, basic finance ke concepts samajhna zaroori hai, tabhi toh kuch samajh aayega!