text: sun,aaj kal toh savings karna bhi mushkil ho gaya hai, inflation ne sab kuch ulat-pulat kar diya hai, kya karna chahiye is situation mein?main toh soch rahi thi ki monthly expenses ka ek list bana loon, taaki pata chale ki kahan par cutback kar sakte hain, aakhir budget ko balance karna toh zaroori hai!