Dollars & Sense: A Compassionate Guide to Budgeting and Financial Wellness

Created by Katie Kadane, M.A., LPC at Reflections Therapy, LLC, this beautifully designed, interactive workbook offers a practical and reflective approach to personal finance. Blending real-life stories, hands-on worksheets, and therapeutic insights, it helps users understand and transform their relationship with money—whether they’re living paycheck to paycheck or aiming to save for the future.

Inside, readers will meet relatable characters like Jasmine, Andre, Malik, and Sofia—each navigating unique financial challenges—and see how small, consistent steps can lead to greater financial confidence and peace. The workbook covers essential topics, including:

✅ Understanding needs vs. wants
✅ Creating and adjusting a spending plan
✅ Managing income vs. expenses
✅ Living within your means
✅ Building savings—even when it feels impossible
✅ Tackling debt with a sustainable plan
✅ Preparing for long-term and irregular expenses
✅ Exploring cultural money myths and personal money motivations

Each section combines educational content, reflection prompts, and practical tools like budgeting worksheets, spending trackers, and balance sheets. The workbook is grounded in self-compassion, encouraging users to replace shame with curiosity and to view budgeting not as restriction—but as a path to freedom and purpose.

Perfect for individuals, therapy groups, or anyone who has ever struggled to manage their finances, this workbook makes financial wellness approachable, human, and deeply meaningful.

Learn more at: www.reflectionstherapytexas.com