text: sun,mujhe lagta hai traditional budgeting karna zyada effective hai, kyunki ismein hum kharchon ko achhe se track kar sakte hain aur kisi bhi unexpected expense ka samna karne ke liye ready rehte hain.par yaar, modern financial tools toh kitne convenient hain, apps se sab kuch manage kar sakte hain, aur investment opportunities bhi dekh sakte hain, toh kyun nahi try karein?