text: mujhe toh lagta hai ki budgeting ke liye ek strong financial plan hona zaroori hai,nahi toh sab kharchon ka pata hi nahi chalta, tum kya sochti ho?bilkul, ek financial plan toh zaroori hai, lekin agar hum sab online tools ka istemal karein, toh yeh planning aur bhi asan ho jayegi, right?