text: sun,mujhe lagta hai ki humare traditional saving methods se zyada kuch innovative karna chahiye, jaise ki budgeting apps ka istemal karna, kya kehati ho?bilkul sahi keh rahi ho, par mujhe thoda dar lagta hai ki kya woh apps sach mein reliable hain ya sirf hype hai, ispe thoda research karna padega.