Video narration
What is budgeting? Your salary arrives, then bills, food, and everyday expenses crowd around it. Where did it go? Budgeting is deciding where your money goes before you spend it. For example, give a ₹27,000 monthly salary six jobs: ₹10,000 for family expenses, ₹3,000 for EMI, or a loan payment, and ₹5,000 for personal expenses. Then ₹4,000 goes to a mutual fund SIP, a regular investment, ₹2,000 to crypto, and ₹3,000 to an emergency fund. This is an example, not a recipe. A plan can help control spending, build savings, prepare for emergencies, invest consistently, and avoid unnecessary debt. Budgeting plans ₹2,000 for petrol; expense tracking records what you actually spent. Spent ₹2,400? That's a ₹400 difference-not money automatically saved. Earn, budget, spend, save, invest, review. Budgeting gives your salary a job before it leaves your account-so every rupee has a purpose.