Most people think budgeting is like a harsh diet. It's not about doing without the things you enjoy, it's about learning the importance of identifying cash flow within a flexible and personalized budget. Creating a realistic budget doesn't have to be painful! This is a fundamental class in documenting your expenses, learning to track with or without personal budgeting software and working together as a family to achieve common financial goals. You might even find that you can start or increase your retirement savings! Take control of your money and avoid letting your money take control of you!