text: yaar,jab bhi hum budget banate hain, mujhe toh sabse pehle un fixed expenses ka pata karna padta hai, kyunki unko ignore nahi kar sakte, woh toh hamesha rahenge.true, lekin mujhe variable expenses par bhi dhyan dena pasand hai, kyunki unhe manage karne se hi hum kuch extra bacha sakte hain, kabhi kabhi surprises bhi milte hain!