text: acha,abhi family finances kaise handle karna hai, ispe baat karna hai. aap log toh old school hai, budget sheet aur piggy bank waale, lekin mujhe toh online tools pe zyada bharosa hai.haan beta, hum toh purane zamaane ke hain, par sab badal gaya hai. modern world mein technology ka use karna jaruri hai. tum hi batao, kya karta hai ye online tools?