• Alka Sharma

Since budgeting allows you to create a spending plan for your money, it ensures that you will always have enough money for the things you need and the things that are important to you. Following a budget or spending plan will also keep you out of debt or help you work your way out of debt if you are currently in debt. Budgeting is one of the most important financial habits you can adopt. But if you’ve never lived on a budget, or haven’t experienced the all the benefits that budgeting has to offer, it’s easy to wonder why it’s such a prominent aspect of personal finance. Budgeting is the process of designing, implementing and operating budgets. It is the managerial process of budget planning and preparation, budgetary control and the related procedures.

Budgeting, Efficient, Effective, Management, Performance, Financial habits, Planning.

"A Systematic Review of Budgeting ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 1, page no.238-241, January 2019, Available :http://www.jetir.org/papers/JETIREO06050.pdf

"A Systematic Review of Budgeting ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 1, page no. pp238-241, January 2019, Available at : http://www.jetir.org/papers/JETIREO06050.pdf