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  • Simple Budgeting Tools (Paper & Apps) 📒📱

    You’ve learned how to divide your income. Now comes the next step — actually keeping track! Whether you love notebooks or prefer your phone, budgeting becomes easy once you find a tool that works for you.

    In this section, we’ll explore both old-school and modern tools. No fancy software. Just simple ways to make your money visible. ✨

    • 📝 The Power of Pen & Paper

      Don’t underestimate a basic notebook! For many women, writing down expenses in their own handwriting feels more personal and clear.

      Start with three simple columns:

      • Date
      • What You Spent On
      • Amount

      You can also keep a separate page each for: Needs, Wants, and Savings. Update it once a day or at the end of the week.

      💡 Tip: Use different colored pens — it actually makes tracking more fun!

    • 📱 Easy Apps That Speak Your Language

      If you prefer using your phone, here are some user-friendly budgeting apps that work well for Indian users:

      • Walnut: Tracks SMS-based expenses automatically
      • Money Manager: Manual but clean and simple
      • Google Sheets: Customizable and shareable with family

      Look for apps that:

      • Work offline (important for low-data phones)
      • Let you categorize your spending
      • Show monthly reports or charts

      Whether it's a ₹50 notebook or a free app, the best tool is the one you actually use. Stay consistent — and it will soon become second nature. 🌼