I have made budgets before & found them to be quite complicated. Sylvia Bowden's Budget Kit & advice is straightforward, easy to understand & the easiest by far that I have ever followed. After completing the instructions in the kit ,I have a budget that is easy to follow & stick to. So much so I cant understand what makes all the others I have followed, so difficult. What makes it even better, it is so realistic I am completely confident I have everything covered for the future & this makes a huge difference to my stress levels. Thanks Sylvia.