I attended Cynthia's budgeting presentation on Thursday November 14th. It was very well-done. I learned from Cynthia's experience that I am on the right track. I am already doing everything she covered, which was very reassuring. It was especially comforting to hear that she had faced the same challenges that I face e.g., reducing your monthly spending on food is not always possible. It was wonderful to learn that I have been practicing formalized budgeting techniques.