Budgeting

50-30-20 budget rule — salary ke 50% needs, 30% wants, 20% savings. Kaise lagayein, real hisaab aur apne shahar ke hisaab se adjust karna.

Zero based budgeting kya hai aur ye 50/30/20 rule se kaise alag hai — har rupaye ko kaam dene wala budget banane ka step-by-step tarika.