text: sun,meri maa toh kehti hain ki puraana budgeting system sabse best hai, kyunki usme sab kuch manually track karna hota hai, toh sab clear hota hai!haan, par mujhe lagta hai ki modern financial tools use karke hum bahut saari mistakes se bach sakte hain, aur sath hi time bhi bacha sakte hain!