I always tried to budget, with kids it can be a challenge with a lot of unexpected expenses, over the years with talking to friends and getting information through the Internet and reading I have slowly turned my uncontrollable budget into a organized way of spending and saving. I have a pretty solid budget now and it helps me save for retirement and for unexpected expenses, Its easier to stay in the black monthly now which is less stressful, Cynthia's seminar was informative, I was happy to learn that I knew and understood everything she was going over and I use a lot of the techniques in my own budget. I know there is always room for improvement. I have recently registered for Mint.com and I'm excited to start using it. It's very visual and so many tools in there that make budgeting not such a chore. Its all about educating yourself, “When you know better you do better.” Maya Angelou.