text: yaar,mujhe toh yeh samajh nahi aa raha, agar schemes ka fayda hoga toh humari lifestyle kaise change hogi? kya tumhe koi clear idea hai?mujhe lagta hai ki agar hum sahi schemes ka fayda uthaye toh humara saving potential bhi badh sakta hai, par yeh toh sab kuch implementation pe depend karega na.