text: mujhe toh aisa lagta hai ki family budget banake,apne paise ka track rakhna hi jaruri hai. aise toh bina plan ke, saara paisa kharch ho jaata hai, aakhir mein kuchh bachta nahi.haan, par wo sab planning karna itna complicated hai na, aisa toh koi shortcut nahi hai, jisse sab aasan ho jaaye?