text: kal meri dost ne mujhe budgeting ke baare mein bataya,kya tumne kabhi apna kharcha track kiya hai, ya sab kuch bas khud hi manage karti ho?budgeting toh bahut zaroori hai, lekin mujhe toh samajh nahi aata ki kis tarah se shuru karun, kyunki har mahine expenses alag hote hain!