text: arre,meri behan toh kehti hai ki credit cards ko control mein rakhna chahiye, lekin main sochti hoon ki budgeting apps se hum yeh asaani se kar sakte hain!bilkul, credit card ka misuse hone se budget kharab ho sakta hai, lekin agar hum apps se track karein toh kya yeh zyada effective nahi hoga?