text: arre,tumhe yaad hai jab humare dadaji hamesha cash rakhthe the, unka kehna tha ki budgeting sirf khud par control rakhne se hi hota hai!haan, par ab toh digital wallets aur apps aa gaye hain, unse toh hum zyada efficiently manage kar sakte hain, yeh sab samajhna zaroori hai!