text: sun,mujhe toh samajh nahi aa raha ki apni savings ko kaise manage karu, sab log investment karne ki baat karte hain, par mujhe toh basic budgeting bhi nahi aata.arre, budgeting toh sabse pehle karna chahiye, pehle dekho ki tumhara monthly income kya hai aur usse kharch kaise distribute karna hai, phir investment ki sochna.