text: yaar,agar hum ghar ke kharchon ka ek budget bana lein toh kaafi madad milegi, kyunki tab hume pata chalega ki hum kis cheez par zyada kharch kar rahe hain.sahi keh rahi ho! budget banate waqt hum sabse pehle fixed expenses ko dekh lete hain, phir discretionary spending ko adjust karne ka sochte hain, kya tumhe ye theek lagega?