text: mujhe lagta hai ki budgeting mein sabse bada challenge yeh hai ki hum sabko apne kharchon ki real picture dikhana padega,kya tum yeh agree karti ho?bilkul, agar hum khud ko samjha lein ki humein kis cheez ki zarurat hai aur kiski nahi, toh budgeting ka process bohot smooth ho jayega!